davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (TX)

FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS SOUTHWEST CREDIT SYSTE Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX SOUTHWEST CREDIT XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account type Credit card Status Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX
Consumer complaint received 2019-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have been trying to get XXXX to correct the incorrect information on my report since XXXX. XXXX stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE XXXX  REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A CAPITOL ONE CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A CAPITOL ONE CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF CAPITOL ONE CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND XXXX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE CAPITOL ONE INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME XXXX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (HI)

Approximately XX/XX/XXXX I discover an unauthorized charge of {XXXX} to XXXX XXXXXXXX XXXX  on my XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX days XX/XX/XXXX to XX/XX/XXXX. I immediately contacted XXXX who closes the account, removes the unauthorized charge and issues me a new charge card. I notice in my statement dated XX/XX/XXXX that the charge is reinstated and I receive a letter dated XX/XX/XXXX that XXXX is referring this transaction to a dispute specialist. I them received a letter date XX/XX/XXXX that concluded the transaction is not fraudulent. 
I receive a call on XX/XX/XXXX from the Dispute Department at XXXX saying I am being held responsible for this charge of {$XXXX}, primarily because I was in XXXX XXXX at that time and my email and phone number was used and credit card was used. 
My communications to XXXX included an email XX/XX/XXXX stating I contacted XXXX for a refund. On XX/XX/XXXX I send a letter to XXXX detailing my attempts to get a refund from XXXX because no-one showed up for the reservation. On XX/XX/XXXX I send another letter to XXXX with proof that I stayed at XXXX XXXX  during this trip to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX FREE. On XX/XX/XXXX I send another letter to XXXX enclosing a copy of my Boarding pass from XXXX to XXXX XXXX arriving at XXXX am PST ( XXXX HST ). The reservation for the {$XXXX} was made on XX/XX/XXXX at XXXX HST. I am already in XXXX XXXX at XXXX HST so I could not possibly have made this reservation with XXXX. My next letter to XXXX dated XX/XX/XXXX informs XXXX that XXXX has refunded XXXX  all monies except for {$XXXX} a one night no-show fee. On XX/XX/XXXX I send a letter to dispute the decision made by XXXX that this was not fraud. 
I receive a letter today dated XX/XX/XXXX from XXXX stating that this was not fraud and I am liable for the {$XXXX} and it is now due.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/year> I was scammed by someone who was pretending to be my uncle XXXX XXXX. They had hacked his XXXX account and pretended to be him selling a vehicle. I sent him {$600.00} dollars via Cash App XXXX on XXXX at XXXX to a wallet address he gave me, XXXX. He then stated he gave me the wrong address and never sent received the bitcoin. He tried then to get me to send money via XXXX XXXX, XXXX or gift cards. 
This person used an email address XXXX for XXXX, had a text now type phone number XXXX. And used an XXXX email for text messages, XXXX.
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc. (CO)

My card was locked on the day I was supposed to make a payment. The company called and I told them I was in a meeting at work. They kept being insistent and rude. I called to complain and the XXXX of XXXX threatened legal action and threatened to cancel my payment plan. I explained to him the situation about my card and he insisted on telling me that I was making excuses and I dont know how to manage my money or responsibility. I ended up making a payment later that day to resolve the issue.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS BANKRUPTCY XXXX XXXX XXXXXXXX TO BE REPORTED / FURNISHED ON MY CONSUMER REPORTS, XXXX, XXXX. I DIDNT GIVE XXXX XXXX XXXX XXXX TO GET INTO MY PERSONAL BUSINESS OR TO REPORT MY PRIVATE OR PUBLIC INFORMATION TO ANYONE I HAVE NO BUSINESS WITH XXXX XXXX. IF YOU BELIEVE I DID PLEASE PROVIDE DOCUMENTS WITH MY HUMAN NATURAL XXXX  LIVING WOMAN WET SIGNATURE CLAIMING PROOF THAT I GAVE XXXX XXXX CONSENT. IM DISPUTING THIS TO THE FULLEST AGAINST XXXX, XXXX XXXX XXXX IF THIS ISNT DELETED I WILL MOVE TO LITIGATION DEMAND DELETION IMMEDIATELY.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (HI)

An email was sent to me dated XX/XX/year>. My credit score was obtained on XX/XX/year>. The credit card company is called fnbo. I did not apply for this company. I also want to know if ANY other cards were open under my name. I want to freeze these accounts that opened under my name that I do not have any collection of.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (NC)

Fortiva Credit I received a bill in the mail ... out of the clear blue ... for {$51.00} and annual fee and a paper statement fee. I NEVER APPLIED FOR this card. I called the number on the statement XXXX and spoke with XXXX on XX/XX/year> indicating that I never applied for the card, not sure why I'm getting a bill and an annual fee particularly for something for which I never applied. She stated the account as sent for {$1500.00} you know a credit card to shop for things. I told her as plainly and as direct that I could - that I did not apply for nor did I authorize a credit card. She said I understand ma'am and closed the account. I said what guarantee do I have that the account is closed, because I don't want to have to call back in again ... She assured me the account was closed. On XX/XX/year>, I received a text message (???? ) Fortiva Alert : Your Fortiva Credit Card payment of {$27.00} is scheduled to be processed on XX/XX/year>. I immediately picked up the phone to call them, where I was transferred 5 times ( XXXX, XXXX, XXXX, XXXX, and XXXX agent # XXXX or XXXX... which she would not confirm ) XXXX wanted me to verify by giving my dob, the last 4 of my social, my zip code ... which was a change from what was asked from the other agents. I immediately became even more suspicious - how did they get my information???!!!!
Consumer complaint received 2023-05-26
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX. Please delete the following accounts. CREDIT ACCEPTANCE CORPOR XXXX AMOUNT {$510.00}, US DEPT OF EDUCATION ACCT XXXX, XXXX XXXX XXXX ACCT XXXX AMOUNT {$970.00}
Consumer complaint received 2024-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (FL)

I purchased my home on XX/XX/XXXX. My adjustable-interest rate mortgage payment increased from {$2800.00} to a whopping {$3800.00} since my initial purchase making it impossible to keep current. 

In the past 46 months my economic situation has gotten worse due to the loss of employment. The organization that employed me for XXXX  years shut down permanently due to XXXX XXXX XXXX. Afterwards, I loss a sizable number of loved ones including my pastor, XXXX sisters, a brother, my mother, and my only son. Also, besides my family losses I have XXXX  XXXX in my XXXX XXXX, and XXXX XXXX XXXX. Including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I suffer with mental health issues including XXXX XXXX XXXX which put a decline in my mental health causing weaken ability for gainful employment. 

I am a XXXX XXXX XXXX XXXX health issues. I love my home, and it means the world to me. This is my only dwelling at the present. This trauma has caused a decrease in my finances making it hard for me to afford the new payment. I'm trying to avoid my foreclosure date of XX/XX/XXXX. I would like to sale my home so I can have funding for sustainable housing, so I won't be homeless.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NCB Management Services Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or specialist 2. Providing additional documentation or proof that the inquiries were made without my consent 3. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I was at camping world a week or 2 ago I was speaking with a sales associate about potentially buying a RV. I asked numerous times ( at lease 3 times ) if it was going to be a hard inquiry on my credit to which I received the reply I just talked with our finance director and he said its a soft inquiry. I check my credit about a week later to find multiple hard inquiries on my credit. They said because I signed a piece of paper I have them permission even though I was told numerous times it would not be a hard inquiry on my credit. They originally said I talked to 3 different people who warned me ( even though I only spoke with 1 individual ) that told me they would pull my credit, then they switched the story to well inform the employees at the location not to use the terms hard/soft inquiry. Obviously they talked to their salesman and found out he told me it was a soft inquiry and are trying to cover themselves. I have email proof from camping world. I also have witnesses that heard the salesman say it was a soft inquiry not a hard inquiry. I would like to have them marked as a company who runs credit without asking as well as have the hard credit inquiries removed from my credit.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

received on my credit from collection management co XXXX XXXX dont know or never received any services if they do have please supply a bill my signature and id showing i recieved any services. THIS IS DEFERMATION WILL BE SEEKING LEGAL HELP TO RESOLVE THIS CASE
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NC)

In the process of applying for a refinance of a current mortgage of my home, underwriters at Greenlight Loans determined I had XXXX outstanding liens against my home, XXXX of which was invalid and required release from the prior lien holder, XXXX XXXX XXXX. After nearly a year, Greenlight made little-to-no progress in getting the invalid lien released. So, I took matters in my own hands and contacted XXXX about the invalid lien and they said all they needed was the title search information from Greenlight and they could then expedite lien release, enabling me to refi my loan and move forward. I advised Greenlight all they needed to do was fax the title information to XXXX to move the process forward and the underwriter agent at Greenlight, XXXX XXXX XXXX whom had been " working '' my case for almost a year, said she would fax it over immediately. It has now been several weeks and Greenlight has yet to fax the title search information to XXXX, further extending my refinancing problem. I 've tried calling XXXX and multiple levels of her management, but not getting any reply. It is now obvious to me that Greenlight is only interested in processing " low hanging fruit '' loans and provides intentionally bad service to everyone else, effectively discriminating. I need CFPB intervention to help move this process forward.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TN)

Credit Karma conveyed to me that they had a loan product through on of their partners that I had an excellent chance of approval or I would receive {$50.00}. I did not receive the loan, nor the promised {$50.00}.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> at XXXX EST I received a phone call and subsequent voicemail from an automated message telling me to call XXXX. My account was late by a couple weeks, which I hadnt realized until this voicemail. I was surprised that I had received no email communication regarding my due payment for last month or a missed payment. 
As soon as I got that call, I logged onto my account and paid the balance of {$93.00}. XX/XX/year> I received another call at XXXX EST that went to voicemail with another automated message left. Upon waking up, I did a quick XXXX search of the number thinking that it was a scam call. I called back the actual company number listed on my card, and I was informed by the agent XXXX that he could see the payment reflect on my account, but he could not give answers as to why I had received the initial call at an inappropriate time or why I was receiving the second call at all if my account showed my payment that I had made. Not only did they violate my rights under the TCPA, it appears they violate many peoples right under a daily basis from the number I was called from that I XXXX searched.