davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Debt Group of NY (IL)

I received an 'Important XXXX Notice ' ( I never received a XXXX notice ) on pink paper on XXXX/XXXX/2015 from a company that did not even put its name on the notice - I found it in the return address. 

When I checked the XXXX, this company ( National Debt Group ) has had several complaints, and an 'F ' XXXX rating. An internet search brought up a plethora of complaints and actions against this company, including a Complaint pleading from the State of Oregon, that they were n't even set up as a corporation, nor were they registered as debt collectors. 

I have no outstanding unpaid debt, so I have no idea what debt this is supposedly about. The 'Est. Creditor Balances ' = {$20000.00} according to them, with a settlement offer of {$10000.00}. I am sure that this is a scam to scare people into paying money that they do not owe. I BEG YOU to look into this company and do something about this. These kinds of places are a scourge on our society. If I was XXXX or not too smart, they could very easily have duped me into paying money that I do n't owe. 

Thank you very much for all of your work!
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

XXXX XXXX in XXXX Indiana filed an eviction against me on XX/XX/XXXX saying i was still living there even though i told them i was not but they said they would not consider me out of there until i return the keys that i had lost. On XX/XX/XXXX the case was dismissed without prejudice for the reason that all parties fail to appear. They ever filed a lawsuit against me, or a Judgement against me and they still illegally reported the eviction to the credit bureau and its been hard for me to get my own place ever since. I disputed the credit report i think this is my second time providing evidence that the case was dismissed in court and XXXX responded to them saying that the information on file was correct and that mine was not you can see the entire case here at XXXX XXXX XXXX XXXX XXXX from what i researched this is illegal as they did not file a lawsuit or a judgement against me that was approved i need help getting this off my credit and holding these guys accountable im XXXX and get SSI every month i cant afford an attorney let alone to pay off the debt that i supposedly owe even though i notified them that i was no longer living in the apartment and they continued to charge me rent and kept my deposit when there was absolutly no property damages done
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

All of my credit and bank cards were stolen from my wallet on XX/XX/2023. Five cards, two credit cards, two bank cards, and one prepaid DirectExpress debit card. I am the recipient payee for my XXXX son 's XXXX benefits, so the card is in my name. As soon as someone attempted to use the cards, I received text notifications from four of the cards, saying it was suspicious activity. I responded to all of the texts saying that I has not authorized the charges and reported the cards as stolen. All I got from Direct Express was the fact that purchases had been made, with no option to reply in text to decline the charge. 

I called Direct Express immediately to report the card as stolen, and I was told that they could cancel the card, but that I would have to call back on the next business day ( XX/XX/XXXX ) to dispute the charges. I did that, and was sent an email form for each of the two charges, which I immediately sent back with all the information they requested. The next day, I received an email back saying that " no error was found '' and that they would not credit the amounts back to the account, and that they considered the matter resolved. No additional explanation was given. 

There was a phone number on the email, under " Dispute Resolution '', which I called, and out turned out to be their regular customer service number, where I was told that there is no direct phone number to the dispute resolution team, and that their decision is final. Naturally, I was angry, and they hung up on me. Twice. They offered no explanation for why they didn't credit the stolen funds back to my account, and no further ways to protest, no escalation option, no other numbers to call.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

The unauthorized transaction happened on XX/XX/2023 XXXX. The item was purchased on Apple online and pick up in the store ( XXXX XXXX Apple store ). As soon as I saw the notification, I reached out to the Goldman Sachs Apple support team. I told them it was an unauthorized charge. The charge was disputed and I had all my card numbers replaced. Few days later, the transaction still went through and someone picked up the item in the store by using my ID. My dispute got rebilled several times till now. Got a report from Goldman Sachs showing details that I made the purchase and picked up. Seems like the thief has all my personal information including my name, address, phone number, card number, and even my XXXX address. However, I was never there when the item was picked up. I do not own the item, and I do not know who has it. The person used guest checkout when making the purchase. The support team from Goldman Sachs refused to do further investigation. 

( XX/XX/2023 ) I made complaints on XXXX  and CFPB. I also went to my local authority to file a report. However, officer there said that I needed an affidavit letter from Goldman Sachs stating that this transaction was a fraud. I reached out to GS support and asked about the affidavit letter but the person said she couldn't help me with that. I didn't know who to reach out. I held on the report and waited to see if XXXX  or CFPB would push them to do more investigation. But no. 

( XX/XX/2023 ) One of the GS support team manager reached out to me earlier today said that he saw the complaint on XXXX  and told me that there's nothing else they can do unless I provide additional evidence or I can just file a report to my local authority. He couldn't even tell me what kind of additional evidence I can provide. I told him that I want to file a police report and the police officer so that they can know what actually happened that day in the store. The police officer told me that I need an affidavit letter from GS stating that this transaction was a fraud, so that they can start with the investigation. But the GS manager refused to provide the letter. 

I don't understand the logic here. GS wants me to file a police report and provide additional evidence, but they refuse to let the progress start. I even filled out FTC Identity Theft Affidavit report. I now have all the documents ready for filing the report, except for that affidavit letter.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Loan modification offer has been altered from the original offer. The " Principal Reduction Alternative '' clause was removed in the third modification package I received. 
HAMP affidavit has a " Rental Property Certification '' clause. it has been established that I am living in the property. 
The " Clarity Commitment '' sheet is missing in the third packageI received. 

Nationstar has been sending me package after package. that I have signed and sent back. The events are as followed. 
-On XXXX 2016 Nationstar sent the Loan Modification Package. I signed it and sent back. 
3 weeks later I inquired about it. They say that one of the papers was not signed. 
-Mortgage company sent a second set, replica of the first set. Signed and sent back. 
Did not hear from them in weeks, when inquired by phone, they say to wait for it to be " booked ''. 
-A third modification package was received on XXXX XXXX. This one is different in the following ways. 
1-In the summary page, the " Principal Reduction Alternative '' Clause that was in the original package is missing. 
2-HAMP affidavit was included this time, but it has a " Rental Property Certification '' clause, even though it has been establish that I am living in the property. Is this right? 
3- '' Clarity commitment '' sheet missing. Which I do not even know if it is necessary, but it was on the original package. 

On XXXX XXXX, email and an followed by a voice mail to my assigned loan agent. 
With these concerns. 
I do not received any answers. Few weeks later, what I got in response, was a XXXX package. Replica of the third one, urging me to sign and send back. 

XXXX XXXX, left a voice mail to my loan specialist, followed by an email on XXXX XXXX to ask him about the HAMP " rental property certification '' on the affidavit. 
And the other two issues listed above. 

Today I got a letter from Nationstar stating that they are going to look into the matter and will respond, latest XXXX XXXX. 
The issue with this is that Loan Modification Package is due by XXXX XXXX! 

This is really frustrating. It feels like I am been played around. 
Voice mail and emails addressed to my loan specialist are not been returned. 
I will attache the supporting documents to this complain.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PR)

In XXXX, I discovered that I was a victim of Identity fraud and took all the steps to solve the issue. I had XXXX negative account on my three credit reports, and the account is from XXXX partial act # XXXX. I contacted them and told them I had no idea about this account. Also, I sent letters to all the credit report agencies. The item got deleted from my credit report from the three agencies. Still, suddenly now, after Experian deleted it from my credit report, they sent me a new credit repport, including again the negative account. I know my rights, and after 30 days, if they do not answer, they have to delete it, and they did, but they got it back again. Only Experian did this. They cant delete something and put it back again. Please help me because I Wrote letters and letters to Experian and nothing. 

Thank You
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I WANT TO EMPHASIZE THAT EXPERIAN DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM.

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME SCREW UPS AS OTHER REPORTING AGENCIES ESPECIALLY XXXX AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. TWO CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE XXXX XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT XXXX. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF EXPERIAN AND I WILL ALSO BE CONTACTING XXXX WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS STUPID PATHETIC DISGUSTING INEPT COMPANY THAT DOES NOT GIVE A XXXX XXXX XXXXXXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, XXXX UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED TWICE TWICE AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX STUPID, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX