davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PR)

Equifax again removed almost all of my accounts from my credit report and also has as main address a property I have already sold in 2021. This is the second complain regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, but yesterday they removed most of my credit information again. I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I create an account with Capital One Bank on XX/XX/XXXX I was with customer service on the phone and they had technical difficulties verifying my identification so I had to verify XXXX times in order for them to create my account once my account was created no funds have an inserted into the account until 2 months later in which I connected my partner 's bank to my bank to transfer a certain amount to keep my account active I've done that successfully and my account has been active since I've recently started to receive donation beginning in XXXX and continuing in XXXX and once I've accumulated {$350.00} and {$0.00} Capital One Bank restricts my account and says that I have to verify my identification on a branch requiring me to physically go to a branch now I'm not able to physically go to branch because you don't have a vehicle and I'm not XXXX and they have already verified my information when I first created the account They already have all the information they need to verify my information but I call them and asked why my account is restricted and explain that they need to see my physical card on a branch and they need to see my physical social security card to a branch and so to my confusion I simply ask why was that not required in the beginning of the account creation They said that they deleted the information of my ID and they needed me to physically go to a branch to have them verify the cards I saw that as ridiculous because not many people are required to physically go to a branch to verify their IDs but because of their lack of understanding and their refusal to cooperate they threaten to close my account if I do not go to a branch at this moment I'm unable to withdraw from the bank account that I have accumulated {$350.00} in and I find it very suspicious as to why they want to verify my ID now when the first XXXX months I didn't have any money They had XXXX months going to 3 months now where they could have at any point asked to verify my ID again for decided to wait until you need money in order for them to them ask for more identification. They were perfectly okay with verifying my ID online but now they require me to physically verify it That does not make sense And when I called again in which I threaten to file a complaint to you in order to resolve this The whole purpose why I even made a bank account with Capital One is because I do not have to physically go to a branch It is for me to stay XXXX and stay XXXX That is why I made a bank account with Capital One. I'm not able to go out because I do not have transportation I do not have a vehicle I did not have money to go anywhere and I'm not XXXX.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XX/XX/year> I moved between two apartments both at XXXX XXXXXXXX XXXX  in XXXX, Texas. On XX/XX/XXXX, I was informed by XXXX credit monitoring that a collection for {$210.00} was in my name. I immediately called Procollect ( the collection agency ). They notified me it was from my apartment complex under my prior unit 's address and I immediately paid in full expecting the collection to be removed. I had received absolutely no communication concerning the debt prior to this. Two days later, XX/XX/XXXX, Procollect sent me a paid in full letter that still used my former address. After requesting more information from Procollect I found that all communication had been sent via mail to my former apartment number where it could not be received. Given that I had moved within the same complex XXXXProcollect knew or should have known my correct current address and also knew or should have known that the address they mailed communication to was incorrect. Sending notice to this incorrect address reflects either gross negligence or malice on their behalf. Despite XXXX having my phone number, current address, and email no effort was made to contact me by any of those means at any time. Procollect and XXXX have rejected multiple requests I have made to them for removal of the collection from my credit report on grounds of insufficient notice.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IN)

Last year around XXXX my mother, XXXX XXXX XXXX ( XXXX ), asked me if I could co sign for an apartment for her. I said yes, but she did not use my information to co sign. Instead, she used my information to lease an apartment under my name and forged my signature on documents. She also provided false employment information and residential history about me. She eventually got evicted and did not pay the apartment the balance which was the {$2300.00} on my collection account. I have proof that I did not live there despite it being in my name and that there was no cosigner for the apartment.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (CA)

Mailed a letter on XX/XX/year> about this account that i am not aware on any transactions with this company, no signed documents, notes with me and this company. i did not provide any of my private personal information to them and dont know how they got it. 

I requested these documents and also gave a cease and desist order. They are continuing to contact me through my private personal credit report medium without my consent or having any of my permission. 

Provide these documents or i will see you in court and youll be hearing from the irs as i file identity theft as you trade and make compensation off my name and not paying me the interest for you using my name. 

XXXX. A full accounting per XXXX, including a certified accounting ledger. 
XXXX. W9 form for IRS tax purposes filled out by a corporate officer XXXX. A true and certified copy ( not a photocopy ) of the Original Note ( Credit Agreement ) accompanied by a statement under penalty of perjury confirming the non-sale of this Note. 
XXXX. Any and all relevant tax documents ( e.g., XXXX, XXXX, XXXX, XXXX ). 
XXXX. Details of any additional documents relevant to the disputed charge-off. 

Attached is the first letter that was sent to them and also the second letter i will be mailing out. You will pay for damages.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (CA)

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PR)

First of all, I have never had any service with the XXXX XXXX XXXX XXXX company. From what I understand this is a fraud from ENHANCED RECOVERY COMPANY trying to rip me off. These debt collection companies always use XXXX since it does not appear on any other credit report. It seems that any credit fraud is allowed by XXXX. I request that it be removed as it is a fraud and I have never had a relationship with this account.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NJ)

ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE AND XXXX TO BE PROVIDED WITH A FREE COPY OF MY CREDCO CONSUMER CREDIT REPORT. WITH THAT BE SAID CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. AS WELL AS A FREE COPY OF CREDCO REPORT. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENSE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CORELOGIC CREDCO CONSUMER CREDIT REPORT. THEY ALSO SENT A REPLY TO THE REQUEST FOR A FREE COPY BY SAYING THEY COULD NOT IDENTIFY ME EVEN WITH I SUBMITTED DOCUMENTS THAT CLEARLY IDENTIFIES MY IDENTITY. 

ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND FOR A FREE COPY OF CONSUMER CORELOGIC CREDCO CREDIT REPORT. ALSO ATTACHED IS THE ERRONEOUS REPLY TO BOTH OF MY REQUEST. IF BOTH OF MY REQUEST ARE NOT HONORED I WILL SEEK DAMAGES IN A COURT OF LAW. 

CORELOGIC CREDCO HAVE ALL ORIGINAL DOCUMENTS IN THERE POSSESSION AS OF XX/XX/2021 WITH OUT THE REDACTIONS
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.
Consumer complaint received 2024-06-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NE)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XX/XX/XXXX XX/XX/XXXXaccount and shows a balance. I attempt to use this on XXXX ( with a purchase that was almost {$300.00} less than the current balance ). And the transaction is declined. On top of that, it looks like I am being charged {$0.00} every time I try to charge the card with XXXX, yet the payment itself for my actual purchase does not go through. 

After looking online, it appears that many people have reported having this problem starting this past year.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION (TN)

Foreclosure sale for my home was XX/XX/XXXX, XXXX Letters from my mortgage company are being sent to another address that I did not authorize in the last 5 months. 
On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SN Servicing stated the foreclosure sale is active but there is no sale date scheduled for my property, but the foreclosure was held XXXX XXXX. The modification was previously denied because my income was insufficient for the payment. I resubmitted mortgage assistance request with my daughter income who lives with me XXXX within the appeal time frame. Did not receive denial letter for that submission or the appeal for the denial. I had until XX/XX/year> to appeal. 
I am being mistreated because I am on XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

I received a loan through XXXX XXXX services, which was then provided by Chase Bank. I paid $ XXXX for a product that promised me a host of features and services over the next 10 years, and XXXX XXXX is now in XXXX  XXXX bankruptcy and I will likely never see any of the features I was charged for ( warranty, self-driving, advanced safety features, regular software updates, parts etc. )
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I don't have credit I am always denied if this is insurance I always have a month to month policy and go with the cheaper company but always current with the state law and stop updating monthly the credit bureau don't know you and your the reason I'm denied a mortgage
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PR)

It appears in XXXX  credit report to accounts from citi bank with late payments, this information is incorrect since I never pay late and I spoke to the bank and they said they don't have any negative information from me in there records. I also dispute this accounts with XXXX and they return it saying that everything is correct which is not.
Consumer complaint received 2021-08-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C. (OK)

On XXXX I got letter from Morgan XXXX  pc the debt collection lawyer group saying they are collecting money for XXXX XXXX XXXX XXXX, XXXX but sent the account statement that has XXXXXXXX XXXX XXXX XXXX For {$5800.00}. I replied I do not owe money to XXXX XXXX XXXX XXXX XXXX and I dont even know that company. Morgan XXXX pc sued me on XXXX XXXX XXXX. I went through 3 hearings asking judges prove the evidence by contract of assignment assignor to assignee judge said its out of her power to ask such evidence to opposing counsel. Finally without even other evidence I requested judge ignored it. And gave other party summary judgment. I am requesting FTC to sue the debt collector or company due to not using own name which are the rule of FDCPA statue 15 USC 1692 803 ( 6 ). I asked who is the Real party in Interest in Hearing also affiant on Affidavit her prove of employment but judge overruled me which is violation of Due process 14 th amendment in our Constitution. Small courts judge dont care taking side on debt buyers favoring them. I spent well over {$700.00} dollars or more on this hearings getting transcripts court fees alone not counting money I spent on consultation from friends. Not counting ours and ours of writing answers to file at the court and missing work. The things I mentioned above for evidence was all in the state courts statue yet judge ignored it thats fraud upon the court by the court.Morgan XXXX pc sued me on XXXX.
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MO)

I was offered an XXXX on my Macy 's card to a Macy 's XXXX XXXX. I accepted the offer and did not receive a card. I called They said to wait XXXX billing cycles which I did and still never received a card. I called back and was told that after reading the notes the card would be sent and I was given a credit to my star rewards for my inconvenience. ( which didn't even post correctly so i couldn't even use it ) But I never received the card. I spoke to another associate XXXX weeks ago and was told I would get my card in XXXX days. And I still have not received it. I just called into customer service today to get help with this issue and the representative was very rude to me and spoke over me. I asked for a supervisor at which point he still did not want to transfer me to a supervisor. I demanded to be transferred. He placed me on hold and the call was disconnected. 


I just want to receive the Macy 's XXXX XXXX card that Macy 's approved and upgraded me to. 

The screenshot that I have included shows the XXXX logo on my account which was not there before they upgraded my account.
Consumer complaint received 2023-02-25
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.