davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-01-07
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NV)

Purchased back in XXXX XXXX expensive watch for my wife in XXXX store in XXXX XXXX. 
I was offered credit promotional credit card 24 month free interest. 
Opened account and since then keep receiving statements with interest charged. 
Called XXXX  numerous time. Even opened dispute case. 
Nothing happened. 
Still getting statements with interest charged.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital One on Friday ; XX/XX/XXXX about my payment being late for the month. The XXXX  said ok. 

I paid on XX/XX/XXXX, XXXX {$51.00}. I also paid on XX/XX/XXXX, XXXX {$30.00}. 
I received a letter in the mail on XX/XX/XXXX that my credit card was closed.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I attempted to log in to my account and transfer money to pay a bill via XXXX through my bank account. Their software would not allow me to transfer the funds via XXXX. I called multiple times trying to fix the problem and the customer service reps either did not know how to fix the problem or did not want to fix the problem. At XXXX point they transferred me to an XXXX  person, but once that person understood that I had to use a XXXX  when accessing my account online, the XXXX  person had no interest in solving the problem and did not care that I was unable to use XXXX 's online service provided by my bank account. I am XXXX and do most of my business online via my XXXX  computer.
Consumer complaint received 2024-01-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX and XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.
Consumer complaint received 2022-12-19
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. (FL)

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT 1. XXXX XXXX  # XXXX INQUIRY 1. XXXX XX/XX/22 EMPLOYER 1. XXXX XXXX XXXX XXXX ADDRESS 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I filed a borrower defense application back in XX/XX/2023. I chose the option to not put my loan in deferment or forbearance while it was being processed. I just received a letter stating that it was put into forbearance. I have not authorized or requested any forbearance. I am applying for a mortgage and this is making things difficult. 

I want them to remove the forbearance immediately.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

XXXX  XX/XX/2023 : I had called about the debt collection, and I was trying to get resolved by stating to them that I have not open the account They have asked me for the number and address associated with the account I have asked them, can I use another method such Social Security Number like any other debt... 
They have refused and stated that No, I can't.. 
I do have an police report stating that my identity was stolen.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I lost my phone and card inside a XXXXXXXX XXXX! My card was used online & in multiple different other places. I contacted the banking company when after I was able to locate my personal things. Some of my cards were missing as well as my medical cards. They sent me out a new card and disputed the transactions but immediately denied my disputes although some of the transactions were not made by me. The disputing process takes up to 90 days the took one day to review closed the investigation. They did not try to refund my money. I let them know the dates I used my card and the dates I did not use my card which were the days the unauthorized transactions were made. My card was closed for fraudulent activity yet I couldnt receive a refund for the fraudulent activity.
Consumer complaint received 2024-01-07
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. (TX)

I am concerned about the validity and accuracy of your recent investigation of this account thats reported in my credit report. 

You responded by saying that Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. 

" XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. " On XX/XX/2023 ( please listen to recording XXXX company ) I was told by XXXX of your representatives XXXX in XXXX department and XXXX in XXXX Department XXXX XXXX why I have not received anything in writing showing validation of documentation with signature and date signed both reps who clearly stated to me that Equifax would only use computer system to verify information and they DO NOT speak with creditor or collection company to validate anything in writing. 

So, I find it funny that you claim to verify all the accounts I disputed listed below when again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ). 

XXXX. CC BANK/OPPLOAN ( Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent account be deleted and blocked from my credit file. 

XXXX. BANKRUPTCY ( XXXX could not verify so how is it your verified ) XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX Your company is in violation of XXXX XXXX. XXXX. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA XXXX ( XXXX U.S.C. XXXX ) ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 I want verification on all accounts listed showing documentation you claim to have. I want a response within 15 days of receipt of this dispute. I expected and updated report to be sent to me.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rossman & Co & PCB (OH)

Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX
Consumer complaint received 2023-11-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/2023, I unfortunately fell victim to a scam perpetrated by an anonymous CashApp user with username " $ XXXX. '' This individual whom I engaged via XXXX XXXX under the name XXXX, promised to deliver a listed XXXX XXXX in exchange for XXXX USD via XXXX after making an upfront shipping fee payment of {$50.00}. After the said payment was successfully received and confirmed, the scammer left the chat group and most likely blocked me from previewing his account. 
I created another XXXX profile purposely to track and reconnect with the scammer, it turns out that he had changed his profile name to XXXX XXXX and still lists the said phone for sale. After interacting with the scammer under my pseudo XXXX profile, he asked me to send a sum of {$200.00} to another CashApp username tagged $ XXXX, before delivering the phone, just like before. When I probed further and asked for a meeting place to inspect the said phone, he indicated that we should meet at : XXXX XXXX, XXXX XXXX XXXX, XXXX, Indiana. I have not received the promised goods or any further communication from the seller ( scammer ) but I believe I have been defrauded ( I have documented evidence of the transaction and chats on XXXX XXXX ). Unfortunately, despite reporting the fraudulent account and transaction to CashApp ( Block Inc. ), they refuse to investigate the transaction neither did they block the user, exposing other vulnerable online customers to such scams via their payment channel.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We finally received a modification after almost 5 years from Capital One Bank. After 2 months of paying the amount agreed in our signed modification I started to receive phone calls and letters from Capital One saying that I 'm in default. I thought for sure that it was a mistake and just kept paying the amount agreed upon. We Just gave them our life savings of {$100000.00}. I called my lawyer to find out what was going on. Capital One 's Lawyer had no idea so it took weeks for him to get back to my lawyer when he did he stated that Capital One made a mistake when they set up the modification Agreement by not taking into account an escrow shortage of {$10000.00}. They then proposed 2 options : Lump sum of {$10000.00} or 12 monthly payments of {$830.00}. We do n't have any more money. We agreed to this modification because we felt we would be able to afford the monthly payments. The reason we kept getting denied for the modification for the last 5 years was because of ratio of debt to income will if they add this {$830.00} to our monthly mortgage it is almost the same as my original mortgage. The amount in which for 8 or 9 times in court we were told we could n't afford. So now because they made a mistake we can all of a sudden afford it. They should have put some of the {$100000.00} towards the shortage. They made a mistake. We never would have agreed to this modification if the monthly payments were any more money than what we agreed upon.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) are reporting a account that does not belong to me! 

I called XXXX XXXX and spoke with representative " XXXX '' on XX/XX/23 " XXXX '' could not find where I owed for this account. XXXX 's direct phone number is XXXX. 

XXXX XXXX are violating my rights under the credit laws. please delete immediately.
Consumer complaint received 2016-05-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NAM National Arbitration and Mediation (WA)

I was contacted by ADR XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called XXXX XXXX XXXX. 

XXXX XXXX XXXX has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

ADR XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
Consumer complaint received 2017-03-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCalla Raymer Leibert Pierce, LLC (GA)

McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX 

Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. 

McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). 
XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). 

The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). 

The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). 

They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. 

McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).
Consumer complaint received 2017-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NC)

Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. 

On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. 

XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC.