davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX. As I have said before the account by XXXX is not mine. All Midland Credit Management has done is send a Warrant in Debt and a dispute response. Which shows nothing. I have had this done in the last XXXX  years over XXXX  times. XXXX with XXXX, they created an account without my consent with my name and by bank account linked to it with my social security number. This went on for months without my acknowledgement they charged hundreds of dollars to the card. That I had to go to my Bank and get the manager to contact the police department because they didn't not believe me. Which there are records of this happening. I have had my XXXX account hacked for over XXXX weeks straight. I had to lock the account. 

Today, anyone can get your information and do whatever they want to do. Anyone can manipulate anything and everything about who you are, where you live, your bank account, also your social security number. As I have said this has happened many times to the point, I can't keep up with it. As I am typing, I'm also going through another fraudulent claim it is endless. 

I am going to state this XXXX last time, the XXXX card is not mine. What I want to know is if what Midland Credit Management is saying is true then why didn't XXXX give me a Warrant in debt? Why didn't XXXX take me to court? Last why did XXXX supposedly sell my debt? 
I haven't heard anything from XXXX only MCM. 

Another question where is my signature on the contract from XXXX? The only thing MCM has proved is the same statements which anyone can make up. Where is my signature on the original contract from XXXX? Please let 's see it. Cause There isn't XXXX. XXXX sells fake debt all the time that is why they sell it because its fake. So, again do whatever your heart desires, whatever makes you feel good at night do whatever you want. Please do it. 

MCM has no proof that has my consent to the contract by XXXX cards. Anyone can use my name to open an account with my social security number it has been done with XXXX. As I will attachment a police report that shows XXXX got into my bank account. The police department doesn't care about credit cards or even money getting stolen. I sat there for over XXXX hours as I stated I had to get the bank manager to call because they didn't care. I live with my XXXX grandmother that got $ XXXX of XXXX stolen from her account, the police department wouldn't do a thing. 

Show me where my signature is on the contract? At this point it is a he said she said. This is the last time I am writing I'm tired of it. 

I don't have proof of any documents from a XXXX card because it isn't mine. 

This is nothing but a he said she said. There is no proof of a contract with my name on it from XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Looking further into my report and at my age i am noticing a lot of fraudulent inquires accounts and addresses ive never lived in Hard inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX 2024
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I am writing to complaint to CITICARDS CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I got a XXXX XXXX XXXX from XXXX. It's form XXXX. The card is issued by XXXX XXXX XXXX XXXX. I set up the card on the website, thereafter it has not worked anywhere. It is rejected. When I try to call I keep getting forwarded and then the call drops. 

I can't even log onto the website with the card information anymore.
Consumer complaint received 2019-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am the co-signer of a loan for my son. I have been paying on an account with Navient I co-signed for about 3 years. The account was approved for XXXX. My unpaid principal on the account is XXXX. I have been given several different addresses to make the payments for this account. I have come to find out I have not been paying towards the co-signed amount but to his federal loans as well. I have called and continue to have been transferred and hung up on. A representative gave me a webpage to send a list of my payment history to in order for them to research I have made payments. I sent them payments from my bank account to Navient XXXX. I sent them payments for 18 months showing my history each month. I don't understand why I have been given so many addresses to pay on one bill I co-signed for and it is not getting to the right account. Each time I have spoken with an account representative I have been reminded I co-signed for his student loan. The last time they said they received a payment was XX/XX/2019 which is incorrect payment history. I have a history of the payments I have online with XXXX XXXX. Please assist with getting this account under control. Thank you ... XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.
Consumer complaint received 2024-06-26
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: JPMORGAN CHASE & CO. (UT)

I am writing to formally dispute unauthorized transactions on my XXXX online account, which occurred on XX/XX/2024. My account was hacked, and the perpetrator used my Chase business card, saved on file, to purchase XXXX {$25.00} gift cards. Subsequently, the hacker deleted my saved credit card and added their own, receiving the payouts from these transactions. I have a screenshot of the credit card information that is not associated with our business. 

Our company is based in Utah, and all our transactions, including billing addresses and credit cards, are within the state. The fraudulent credit card information indicates a California name and address, which clearly does not align with our business operations. Furthermore, we have never purchased any credits from the XXXX store ; our only purchase is an annual subscription to XXXX XXXX. 

I noticed these charges on XX/XX/2024, and immediately contacted Chase. They reversed the charges and issued new credit cards. I also changed all my passwords to secure my accounts. However, I received a letter from Chase dated XX/XX/2024, stating they found the charges to be valid. This conclusion is perplexing as Chase did not contact me to discuss the incident or request any supporting documentation at the time of my initial report. 

I urge you to reconsider this matter and review the evidence provided. It is clear these charges are fraudulent and not authorized by our business.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

We have a second home in XXXX XXXX, Florida and our house was impacted by Hurricane Ian back in XX/XX/XXXX. We had severe flooding and wind damage. The house had to be completely renovated and was un-livable for over a year. We did have flood insurance and received a claim to cover our damages. We worked closely with US Bank during this process. They set us up on a forbearance program because of the hurricane damage. We worked with their loss payee department during the renovation. Our entire flood insurance claim dollars were sent to them and then they dispersed funds so we could pay our contractors. We agreed that on XX/XX/XXXX our house was completed and we could start making payments again so we signed off on a loan modification program. We made our XXXX, XXXX, and XXXX payments on time on the XXXX of each month as agreed upon. After completing this trial loan modification period they refinanced our loan and we have made on-time payments YTD. 

In XXXX I noticed our credit scores dropped significantly due to the fact that US Bank reported that our mortgage loan was delinquent and we were late on payments. This is frustrating because we followed their recommendations and appreciated their help during the forbearance and loan modification period which they never reported us late but now they are reporting delinquent the whole time which clearly has negatively impacted my wife and I credit report. It just seems unfair and incorrect for them to report our information like this. 

Do you have any suggestions for us to address this? 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PulteGroup, Inc. (FL)

Pulte Mortgage uses an unreasonable amount of pressure and financial penalties to ensure that you use them when buying a Pulte Home. They delay, delay, delay and come back with numerous " final offers '' and " best offers '' only to continue to add delays to the timeline as you shop for alternative lenders and competitive rates. Then, if you do not choose them as the lender, the builder ads fees for delaying close despite the reason for the delay being their own preferred lender making it all but impossible to get a truly competitive alternative to using their own in-house lender. They are dishonest, unclear about the impacts to you as the buyer, call and verbally pressure to use their products only, and then add fees.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

XX/XX/year> First Progress sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reporting.XXXX I sent the bureaus the information first progress provided PROVING there should be an update. USPS Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am using Toyota for the last XXXX years, and he has never ever had late payments I even paid earlier the full balance of my finances now I want to apply for a lease and finance from two Toyota dealers Toyota denied me even if I have very good credit XXXX I asked them why it says red flag they're not providing any more information that's 100 percent discrimination that's 100 % hate after being all the years such a good customer doing this I need a phone call explaining exactly what's the red flag and how I could take it down because all other banks are approving me for a car lease including XXXX XXXX XXXX XXXX and all other banks so the problem is not with a credit something in Toyota please accept me for a loan as soon as possible
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (CA)

I have made 4 consecutive payments from XXXX, XXXX XXXX, XXXX to pay First progress credit card company. I attempted to make a payment and set up autopay and it was unsuccessful. I found out not by email, letter or phone call that it didnt go through. I found out by my credit bureau that I had a late fee and it brought it down XXXX points. I called first progress immediately to find a resolution and they communicated that if I fax them a goodwill adjustment it can be reversed. As instructed I did just that. The same day, I went a step further on XX/XX/XXXX and paid the total {$260.00} that I owed. I received an email confirmation that they received the payment. To my awareness I did my due diligence. I still called 3 days later to follow up, since the representative of the company communicated that they would have reviewed the goodwill adjustment by then. When I called they said it still was not reviewed yet and it could actually be up 3-6 weeks, not 3 days. I was first told 3 days, and now told weeks. There has been deception, inconsistency, and negligence in the basis of this company. I have tried as a consumer to pay my bill, follow up with calls and fax. I called yesterday, XX/XX/XXXX to get an update on this matter, the representative said you will have to talk to the collections agency, let me give you their number. I then said, I have paid my debt and have not been disclosed this at all, again. She then put me on hold for 3-5 minutes to tell me to disregard. I have not had any resolution, just amplified confusion. Not only that, I have XXXX points on my credit report that was not even disclosed that they would report a late payment. I have evidence of multiple attempts of payment, and this company has not done their part in responding or resolving this matter. I am reporting to request my negative credit score to be removed due to this unjust act. I am beyond disappointed, I am harassed emotionally and lost respect for this credit card company for how they manage their business in basis to help consumers to build their credit scores like myself. This is a fraudulent business and needs to be exposed with a thorough investigation.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2019-Chase Credit Card bill received in mail was for {$180.00} payment due date of XX/XX/2019. It included a credit card fee of {$37.00}. I called Chase to dispute the " PAST DUE '' charge. Over the phone Chase said they would dismiss the {$37.00} late fee received on the XX/XX/2019 Bill. I paid  my minimum in full of {$150.00} on XX/XX/2019. 

XX/XX/2019 - Chase Credit Card bill received in mail was for XXXX with payment due date of XXXX XXXX. Once again including a late fee of {$37.00}. 

XX/XX/2019 - Email received from Chase Credit Card via XXXX that bill received on XX/XX/2019 with a payment Due date of XX/XX/2019 was at least 16 days past due as of XX/XX/2019. I also received phone calls from XXXX urging me to make the " Overdue '' payment. 

Statements are not correct. Statements don't reflect proper payments made. Unnecessary " Past Due '' charges. Claims that my payments are late when they are not.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied to a XXXX XXXX for XXXX XXXX in XXXXXXXX XXXX on XXXX in late XXXX ( it was to be a remote job ). The supposed employer got back to me and instructed me to cash a check of {$2100.00} in order to purchase materials ( a computer, printer, etc ). I did so and I was able to cash the check at Bank of America. After a series of messages ( on XXXX through a supposed person named XXXX XXXX ) raised concerns for me, I told them that I no longer wished to work with them and would return the funds. I initiated a wire transfer ( to return the {$2100.00} to XXXX XXXX at XXXX  XXXX XXXX  ), as I was still under the impression through Bank of America, that the funds were in my account. Days after sending over the money, I checked my account only to see that the wire transfer went through and that the check that they originally sent to me was fraudulent. I contacted Bank of America, but they were not able to reverse the transfer and did not offer any assistance regarding the fraudulent check that was supposedly cashed in my account. As a result, I sent over {$2100.00} of my own money. I initiated a fraud claim with Bank of America on XX/XX/XXXX and filed a police report that same day. On XX/XX/XXXX, they alerted me that they were unable to retrieve the funds and the case was considered closed on their end.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-27
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: STATE EMPLOYEES CREDIT UNION (NC)

XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

Subject : Opt-Out Request Under Privacy Laws I am writing to formally request that LexisNexis Risk Solutions immediately cease the sharing and distribution of my personal information indefinitely in accordance with my rights under privacy laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Legal Basis for Opt-Out Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions are required to provide consumers with an opportunity to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. Additionally, the FCRA provides consumers the right to opt out of prescreened offers of credit and insurance, which directly relates to the sharing of personal information. 

Infringement on Consumer Rights The sharing of my personal information without my explicit consent constitutes an infringement on my rights as a consumer. It is imperative that my privacy preferences are respected and that my data is protected from unauthorized use and distribution. 

Risk of Identity Theft and Harm I would like to bring to your attention that my personal information was compromised in the XXXX data breach. This breach has significantly increased my risk of identity theft and potential financial and physical harm. Given these circumstances, the unauthorized sharing of my personal information exacerbates these risks and exposes me to further potential threats.