davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (MS)

On XXXX XXXX XXXX  sold my mortgage to Fay Servicing XXXX Fay Servicing is saying that they took over the loan in XXXX XXXX. XXXX payment was sent to XXXX as the letter clear states. Fay Servicing put me in illegal default for this payment which they say is owed to them. This prevented me from making XXXX payment which was not taken out of my account as scheduled. I sent the XXXX payment certified mail and XXXX payment which was sent back to me. Fay servicing initiated a pre foreclosure process and had someone verify occupancy before I even had a active account number with them. I did not even receive my account number until after a default letter was sent to me.
Consumer complaint received 2018-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Rewards — 
Company: BANCO POPULAR DE PUERTO RICO (CA)

For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these calls.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NJ)

With Macy 's Credit Card they are showing late payments during XXXX  I moved hadn't gotten bills and asked the to remove the negative and they haven't it's XXXX negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am submitting this follow-up regarding my formal complaint about unauthorized inquiries currently recorded on my credit report, which contravenes federal law. Despite previous communications and my explicit instructions, the credit bureaus have not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to eliminate these inquiries. The inquiries in question are as follows : 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

My dispute is with Navy Federal Credit Union ( NFCU ). I was disputing XXXX charges i did not authorize. All of the charges I am disputing are XXXX and XXXX pay charges that were withdrawn from my debit card. I have had identity theft in the past, and I had to get new account numbers with NFCU with in the last 2 years and add a password to my account 8-10 years ago. It was brought to my attention when someone was trying to charge my debit card. I did not loose my card i had both my debit cards in my possession when I called in about attempted unauthorized charges on my account. I then look at my previous charges and found a total of {$5000.00} unauthorized charges. I have had a password on my account for several years and when I call in they dont always ask for it. I had for remind them and tell them to require because Ive had identity theft. I have two debt cards with two different checking accounts and both cards were compromised. It was clear someone has been using my information to compromise my account and NFCU refuses to return my funds that were fraudulent taken. They claim it was conflicting information, but I told them initially the representative that took my claim had some of the inform wrong. I even called back to tell them that one charged that was being disputed was the the wrong charge and it was actually my charged and the representative mistakenly disputed the wrong charge. I started disputing my charges in early XXXX and have been going back in forth with the investigator via NFCU App. They will not talk to me, call me or email me, they only send me two sentences so they claim is denied and no further information can be provided. Ive stopped my direct deposit to the bank because they took all the money back at once and I had to get money out my XXXX to pay my mortgage m, which is with then and I have never been late.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Credit card debts were charged off. Bought by Midland Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX illegally. I did not received validation of debts. Asked numerous times. Debts placed in judgements. Harassed my employer, garnished my wages and my federal and state refunds without my knowledge.
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NY)

I've been contacted by a few debt collection companies for collections I do not owe. They are all from energy companies I have no relation to. Many of these companies seem to be from XXXX, a state I do not not live in. I've never had any dealing with any of the companies the debt claims I have. 

The energy companies involved are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Most of these accounts seemed to be created in XX/XX/year> and a few in XX/XX/year>. The debt XXXX involved are XXXX XXXX, XXXX XXXX XXXX, and most recently Online Information Services. There are multiple accounts with each of these companies under many different dollar amounts. 

I'm not sure if maybe my information was leaked or they added my name to all accounts under a different address. I've told the debt companies multiple times the debt is not mine and have sent letter to them. I tried contacting the energy companies and can never get a hold of any real person on the phone except for XXXX XXXX XXXX who couldn't help me with any additional information. I've sent identity theft reports for a few of the claims. 

These account are damaging my XXXX XXXX and I'm not sure what other steps I need to take. I've sent several dispute claims to places like XXXX to inform them the debt is not mine. I'll send some of the documents I've received and the letters I've sent as well as other information related to all of this.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In according to the fcra Section 605B it is is illegal to report information on my credit report without my permission thank you please remove this from my credit report now. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OR XXXX ; XXXX XXXX XXXX XXXX XXXX , OR XXXX ; XXXX  XXXX XXXX Balance Owed : {$13000.00} ; 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 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 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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$820.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NY)

the company Midland Credit Managem is calling my phone all hours of the morning and night. They are telling me i owe {$720.00} i've never did any business with this company. And i've made that none to them, and the continue to call and harass me. 


15 usc 1692c That law clearly states '' Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-09-10
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXXXXXX XXXX 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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

My mother also banks at the same bank and one of the workers there oversteps her position and contacts my mother for issues with my account when my mother is not on my account. She does not now nor has she ever had permission to do this or make any changes to my account. She changes my account adds and subtracts fees and the two of them cost me money. I am tired of this she has broken the law time after time. I demand something is done
Consumer complaint received 2024-09-05
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. (CA)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-05-03
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. (OR)

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the several unsuccessful attempts to have them corrected and removed. Despite repeated efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts and charge off accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Received a collection notice in XX/XX/year> regarding XXXXXXXX XXXX account. Filed complaint with you and collection notice was removed from my account. Today I received a notice that IC Systems was attempting to collect a debt. I contacted them and they said it was for XXXX XXXX. Again I am the victim of Identity theft. I filed a notice with Federal Trade commission. All of my credit reports are locked. No one checked to see that my credit was locked. After discussing with XXXX XXXX I was issued a PIN so no one can turn on power with out it. PLease have XXXXXXXX XXXX  remove this from my credit report. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Case # XXXX