davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Filed for bankruptcy in XXXX  but still made mortgage payments while covered under the bankruptcy law. Mortgage company ( Rushmore XXXX ) received my payments for XXXX, XXXX and XX/XX/year>. At this time I was applying for a modification. XXXX which was not my mortgage company at that time, foreclosed and had a sheriff sale on my house without court order.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. There are late payments list XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (GA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (GA)

I've tried Several different times to resolve this issue with experian there are serveral inccaurices one my personal information my consumer report such as addresses and inaccurate items attached to those addresses
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Approximately one month ago, a debt collection company named XXXX XXXX XXXX XXXX ( XXXX ) sent me a letter directing me to pay them {$8700.00}. I then reached out to them by calling XXXX. A representative answered and I explained to them that I do not have any such contractual obligation to pay them any money. The representative kept telling me that if I did not pay I would be arrested. I asked them to send me a contract that states that I have any obligation to pay them and all they kept stating was that I will be in big trouble if I don't make a payment. Again I explained to them that I do not owe them or any of their affiliates any money for any reason. The representative called me names and then I disconnected the call. They have yet to prove to me any type of contract bearing my name. I do not owe these people and do not have any contractual obligation to pay them.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Hello My name is XXXX XXXX There is a debt collection under I C System for {$1300.00}. This is for a hospital bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This was during a car accident which I had a lawyer and XXXX the case. All bill were paid through the lawyer and the insurance given. I was not in charge of any medical bills for any of my visits to the hospital nor XXXX. I also have the break down of the bills and payment distributions from the attorney. 

This bill is for the below attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications and billing were handled through this lawyer.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nevada Credico, Inc. (CO)

I got my XXXX XXXX XXXX XXXX. My mother helped me find financial assistance through the hospital, a hospital in Nevada, and from her understanding the debt was taken care of. Then on XXXX XXXX there was a garnishment on bank account for the amount totaling XXXX. Which included more than my paycheck. When we got a hold of the attorney for quantum collections, they just said they had basically won the lawsuit which entitled to collect on behalf of the hospital. I have not once, received any form of notification or attempt to collect a debt. I pulled my credit report on XX/XX/XXXX, XXXX there is no inquiry or credit pull or debt showing either open closed or transferred. Then today XX/XX/XXXX the same collection agency called again saying there was still an open balance of XXXX because there was still left over fees. 
The clinic we visited XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, this business is now permanently closed. I am currently XXXX XXXX XXXX XXXXXXXX, with a XXXX  that doesn't have a legal office. I've attempted to reach out the legal help in the XXXX  nearby but have only gotten as far as initial contact no further follow up from them. At this point I would hope I could receive my money back if possible or receive more information.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. XXXX Transunion and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with XXXX,, XXXX, Transunion,,, and the account XXXX is reporting inaccurate and missing information,,, XXXX is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With Transunion Credit report the XXXX account is showing to be sold to another lender ... so how is it that XXXX showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per Transunion report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, XXXX Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
Transunion is showing its sold with XXXX monthly payments,,, sold to another lender XXXX is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/XXXX I was leaving for a vacation out of the XXXX XXXX and XXXX reps were trying to sell credit cards based on benefits when you fly. I never do this but they kept trying so I said yes. They went through the high points and I didnt know it was an XXXX XXXX that it had fees til much later. I received the card weeks later but I never used it til over a year later XX/XX/XXXX and BOOM they hit me with a {$XXXX} annual fee. I politely called them and said let me pay my balance in full now because I dont use credit cards with fees. They took my payment then told me I was still liable for the fee. I told them I wasnt going to be hijacked by a major credit card. I tried several times to get them to change their tune but they wouldnt. Its XXXX XXXX of the matter with me, I was unaware of the fee, I paid my balance and said I dont use cards with fees and lets part ways. I closed the account. Is this how a major company should be treating people? This is the lengths they are going to now and theyre hurting consumers. I have had a pretty decent XXXX XXXX for years by being careful. My score has been XXXX for years, now XXXX down to XXXX because they are sending me a bill every month with interest which is now up to {$XXXX}. This scandalous company comes along and wants to take me down over {$XXXX}. Im holding my ground!! They are ruining my credit and I want it to stop. They are making it look like Im delinquent on my bills on my credit report.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX  are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX   } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

This is related to communication that happened over this weekend - including Thursday and Friday of this week. My credit card number information was stolen without my knowledge for an unknown perpetrator to go on a spending spree. Three police departments ( my hometown police department, and the two police departments where the merchant has locations of business ) have opened up felony criminal credit card fraud investigations. Nevertheless, I was discouraged from Citibank staff to send in any written documentation proving my side. When I asked would this then just be resolved in my favor, I was told that was a loaded question. Well, if Im not allowed to submit the police reports and written documentation proving there was NO legal authorization, then is Citibank going to just flip a coin? So I did go ahead and submit all the relevant documentation- including proving the signature provided was NOT mine and the authorization was NOT made by me. I also submitted the 3 open police reports or case informations from the police departments. I was told I should do my criminal investigation against the merchant and contact them, but I do not want to dabble into vigilante justice. This is why we have the police, and FCBA requires Citibank to remove ALL fraudulent transactions- and I should NOT have to put my life in imminent jeopardy.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MN)

I ordered some items from target that I did not receive I reached out to them and they refunded those items to me via XXXX because I paid using my XXXX thats connected to my bank debit card. On XXXX side they say they refunded the full amount but when I check my bank I was still charged the wrong amount. 
The original amount I was charged was XXXX on XX/XX/year>. XXXX initiated XXXX separate transactional refunds. XXXX in the amount of {$34.00} and the other in the amount of XXXX cents so in total a refund of {$53.00} cents should have been the total amount refunded out of the charge {$67.00} It appears that only XXXX of those refunds actually went through on my checking account so Id like for it to be adjusted to receive what I was supposed to.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NH)

This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it! 
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter XX/XX/XXXX which is a FDCPA violations.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Amount owed is false amount and Midland Credit Management has no copy of original contract or witness to me signing such. My information was obtained without my consent and is in violation of my privacy according to 15 USC 1681 Section 602, 15 UUSC 1681 Section 604 A Section 2, also 15 USC 1666B.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

Disputed navy federal credit union auto loan that was opened on XX/XX/XXXX.  After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.