davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 i mailed Notice of Subrogation seperating the living man, XXXX XXXX XXXX, from the DEBTOR, XXXX XXXX XXXX, Therefore making the living man NOT responsible for the alleged DEBT. XXXX XXXX a Executive for Capital One received my documentation. XXXX XXXX never responded, so my contracts stands as a legal contract. Secondly, I was tricked into thinking i was getting a loan. I never received a check for {$24000.00}, therefore there is no DEBT. When I inked my signature on the security agreement it gave it value and paid in full for the value of goods received. Around XX/XX/2023, i called and requested 2 months be deferred to the back end of loan, they denied me. A few days later i called to make payment arrangements and was denied because i refused to give my banking information. I then requested a complete copy of the contract, the copy with my wet ink signature. I stated if they can not produce the original wet inked contract then it is voided. I paid the account off in full on XXXX of XXXX. Confirmation No. XXXX
Consumer complaint received 2023-11-22
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. 

On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (MI)

Since the beginning of Covid ; I've had a lot of problems with unauthorized card use, and inability to access my account correctly, while banking with BMO Harris Bank located on XXXX XXXX XXXX XXXXXXXX, WI. Starting around the beginning of Covid, BMO chose to switch to needing a " temporary phone password '' to access anything via their XXXX customer service line. This also includes their " card member services line '' as well. Since the beginning of Covid, I've had a couple of unauthorized transactions. The most recent was on XX/XX/XXXX I believe, where the bank finally offered the shut my card down, but then still authorized transactions on XX/XX/XXXX to XXXX XXXX in the amount of {$200.00}, and to XXXX XXXX in the amount of {$330.00} ''. 

There was also a secondary account setup in XXXX of XXXX by one of my sole-proprietor business clients in my name, which I'm not able to access at all. I was at the bank with my client in XX/XX/XXXX to setup the account. I even received the follow-up call a day or 2 later from my banker, checking on the account. But, when my client tries to put $ into the account using the account # giving to use, they're not allowed to, being told that the account doesn't exist. And I get told the same thing from BMO teller when trying to access the account on my end as well. 

As stated, this has been an ongoing issue with BMO Harris bank since Covid. They have no right to be doing this to customers, as it violates federal banking laws, yet here we are. Because of their unwillingness to cooperate at this point, I'm requesting any and all accounts information, ran based of SSN for the financial institution over the last XXXX years.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (GA)

My father died XXXX of this year XXXXand he left me and my sister the house and going threw probate and court to get things changed over they wouldnt help me and know Im in foreclosures and I cant get them to work with me been trying since my father passed away
Consumer complaint received 2023-09-04
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Security Credit Services, LLC (OH)

I have contacted several times and disputed with a few companies to get this collection removed Due to identity theft UNAUTHORIZED CHARGES I am not familiar with XXXX I disputed this through XXXX if you guys do not remove this collections off my credit report i will exercise my rights to the Ohio Attorney General and make this news media if this is not removed! Please remove this so i don't have to keep sending in complaints and letters repeatedly weekly.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

Express Recovery Utah represented by XXXX XXXX XXXX is trying to collect on medical debt from the XXXX XXXX XXXX XXXX. They illegally obtained personal medical history to include medical procedures and medication on the billing. This personal medical information contained several errors and duplicate charges. I brought these errors to the attention of the attorney with no change to reporing, collections or lawsuit. XXXX XXXX XXXX XXXX XXXX is subsidized by the State and the State finance division has already garnished funds on behalf of the hospital also the State is the  authorized collector of this debt per uca XXXX. I contacted the State finance to take care of debt and they referred me back to the university of Utah hospital, the hospital stated that as of XXXX my current bill was XXXX. This information was made aware to attorney for express recovery in discovery and still no change in processing with lawsuit or amount they are seeking. Express recovery has violated hippa by not safeguarding personal medical information by including more than my name contact information, acct # and amount owed.
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX Dept of EDXXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (NJ)

I'm enrolled in the XXXX Medicare program and received a letter from Revco Solutions a debit collector for the amount of {$45.00}. They don't specify what the debt is for in the letter. I assumed it might be a medical debt.
Consumer complaint received 2023-11-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

On XXXX I called to close my account from XXXX XXXX  or XXXX XXXX XXXX XXXX. After several weeks waiting to receive my refund, I called again on XX/XX/XXXX the customer office said that they have to do something manually, so they closed the account. In that time, they said my refund will be send directly as a transfer to my check account no by check. Again, I wait almost two weeks and nothing I called again they said that I will receive my refund of XXXX by check. I told them that is impossible because I paid almost XXXX dollars for 9 months. I requested who was the accreditors that they paid, and which was the honorary that they took. The customer officer says : " is in the contract ''. I asked for the contract again and nothing. I sent two emails with my frustration ; they said that I have to call because they can not resolve the issue through email, so I called again yesterday XX/XX/XXXX. I requested again to the customer officer which was the accreditors that they paid. The customer officer said : " the name of the company and was XXXX. So, I responded and the rest of the money? which was the amount of the honorary : the customer office said : " I don't know is in the contract that you signed '' " but I saw these 4 charges : XXXX, XXXX, XXXX, XXXX ''. 
This still unacceptable and XXXX XXXX didn't respond to me in a fair and accurate manner. 
For at least 9 months they deducted at least XXXX dollars from my account. 
Im very dissatisfied and disappointed about this service from XXXX and Im requesting the fair and accurate reimbursement from my money that I put with a lot of sacrifice.
Consumer complaint received 2023-05-06
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I have numerous inquiries viewed by others and me on my Chex Systems Consumer Report which is preventing me from opening up a checking account. I shouldnt have any inquiries listed or showing on my Chex Systems Consumer Report. The inquiries currently listed and showing on my Chex Systems Consumer report are unauthorized and not my inquiries.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (VA)

I was approved for a trial modification earlier this year that was for 6 months, ending with the last payment XX/XX/XXXX. I made every payment on time. When it came time to sign the paperwork, I did not sign it, because Selene Finance made a mistake with the names of the people they wanted to sign the paperwork. From mid XXXX until XX/XX/XXXX, I reached out several times to the XXXX I had been working with by the name of XXXX and she never returned my calls. It was on XX/XX/XXXX when I spoke to XXXX of Selene that told me the approved modification package was old and I had to start the process all over again this time providing proof that the name XXXX XXXX was not on my deed and stating that XXXX XXXX and XXXX XXXX were not going to sign the modification, I was going to be the only signer. In addition the amount of money although I paid it each month was ridiculously high Selene seemed to be trying to set me up to fail. After receiving the paperwork from the Courts showing I was the only one on my deed, I complied and sent in an entirely new loan modification package, sent it in by XXXX it arrived to Selene on XX/XX/XXXX, and to date, they have not even looked at the loan modification package per my phone calls in speaking to different Selene Reps on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. On XXXX I was told by Selene Rep XXXX to write the loan modification/resolution department to ask for a review of my package sent in back in XXXX. And today when I called and spoke to XXXX I was told still nothing had been done, but yesterday XXXX sent someone here to take pictures of my house I happened to be outside, and the person told me to " call my mortgage company ''. XXXX whom I spoke to today told me she suggest I send in another new modification package! I told her every time I do this it cost me {$60.00} to {$70.00} to make copies and send off a package by XXXX, I asked her if I could leave a message for XXXX and she said she would make " note of my request '' but she could not reach out to her on my behalf. So I assume from mid XXXX to XX/XX/XXXX all the other Selene Reps were lying when they said they were sending XXXX interoffice memos while they were putting me on hold trying to get her on the line and/or saying they were leaving messages for her to call me??? Selene is not trying to work with me, even though I paid my trial modification payments on time. I am getting the run around, when all they had to do was change the paperwork taking off the names XXXX XXXX and XXXX XXXX from the original approved modification given back in XXXX, XXXX.
Consumer complaint received 2023-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I had bought a online course for XXXX bucks when it wasn't as stated i clearly told them to return took a screenshot of the return policy ( which i was rightfully inside my limits to return it to them for a full refund ) no one answered you couldnt find the number to call i emailed the guy that helped me but to no avail no help so i filed a claim with chase and gave them the return policy so theu knew i was rightfully in my limits to return what i had bought, the course wasn't as described and i didnt want it after chase supposedly looked into this they said the charges were verified. I didnt ask for a fraud check i asked to get my money back when i tried to return my purchase INSIDE THE RETURN DATES.
Consumer complaint received 2023-12-13
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: U.S. BANCORP (GA)

I am writing on XX/XX/2023 with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address.

2. Documentation confirming the existence and validity of the debt, including the amount owed.

3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

4. Verification of the license to collect debt in my state.

Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed. 
Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. 
I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. 
Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.
Consumer complaint received 2023-11-22
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE 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 I DONT RECOGNIZE THESE INQUIRIES 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. Elan Financial Services ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject- Capital One Product- Quicksilver Secured Rewards Credit Card ( security deposit used as collateral ) Agreement upon request to the product includes terms where explained how Interest Charge calculated.

In the monthly Statements to the product provided Interest Charge formula which different. The difference is margin was added. In the terms written that Statements are part of the Agreement. Please see attached pictures. I requested to disclose this specific term margin by the phone, but representative didnt answer. I wrote a letter to the main office and case was created, but doesnt include this matter. Today called again to the phone number written in the reply to my letter, but no luck. Requesting to disclose term margin. Interest Charge formula = prime rate + margin. Prime rate is floating and its the same as Interest Charge, does it mean that margin is XXXX?
Consumer complaint received 2024-01-18
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.