davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc. (WA)

I sent them a letter on XXXX requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up a fraud alert and they have ignored me.

FULL FILE DISCLOSURE REQUEST PURSUANT TO 15 US CODE 1681g ( a ) ( 1 ) XXXX XXXX c/o XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX Washington XXXX XX/XX/2023 Sent via US Mail NCTUE Disclosure Reports XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at NCTUE and any of NCTUEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of NCTUE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy.

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at NCTUE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by NCTUE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from NCTUE and any of its subsidiaries. I am NOT requesting a copy of my credit report.

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution.

I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
Consumer complaint received 2023-09-20
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX XXXX  this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc. (NJ)

I went to go look at my report & I see this person calling me a debtor ( XXXX XXXX XXXX ) I dont know this person, & I never did business with them. I dont owe them anything that theyre tryna collect. Its causing me damages & hardship XXXX & this person dont have any contracts & I didnt give written consent for them to furnish my report
Consumer complaint received 2023-12-14
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. (IL)

I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, Equifax, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

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 2023-03-16
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: EQUIFAX, INC. (VA)

I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the EQUIFAX DATA BREACH. Please remove these accounts from my credit report. 

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 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I paid a collections owed to Eastern Account System in full and they are still reporting that I owe {$110.00}. I have a screenshot of payments and the amounts but can't submit it because XXXX doesn't accept those file types. I sent a dispute a few days ago and XXXX said they verified that the debt is correct and that I still owe the money.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

My mortgage company transferred my loan on XX/XX/ from RUSHMORE LOAN MANAGEMENT to RUSHMORE SERVICING/NATIONSTAR The company is showing account closed instead of transfer. Also, Rushmore Loan Management is reporting me 90 days past due when in reality my payments have been transferred to Rushmore Servicing. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Education Principle Foundation (GA)

There was somerhing in my credit report in XXXX  about XXXX federal student loans and I had dropped out before the cuttoff and the loans where still requested after I advised thrm of my situation and that i would not be continuing with them and have seen how the loans where still recieved and later canceled. I had stopped attending before and they still recoeved a XXXX  XXXX in my name and i never saw any of it nor did they attempt to communicate that they where keeping it and not return or cancel. Also found a fraudulent account for XXXX XXXX XXXX XXXX accepting funds to attend. When I was already attending another college.
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.
Consumer complaint received 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial Corporation (CO)

I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB (TX)

Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}. 
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI. 
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount. 
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX. 
The words " SHORT PAY '' and your loan number must appear on the check. 
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation. 
Sincerely, Customer Service Department XXXX
Consumer complaint received 2017-03-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I purchased two round trip tickets ( one for myself, one for my partner ) from XXXX, Illinois to XXXX, XXXX for {$920.00}. The flight was on XXXX XXXX and I purchased it through Chase Travel. The flight was set to leave on XX/XX/2023 at XXXX XXXX. About 24 hours before the flight ( XX/XX/2023 ), my partner and I attempted to check in for our flight. I was able to do so, but my partner was not. I called Chase to see if they could resolve the problem. I talked to person A who said something about spinning off my partner 's reservation, and said that would mean that my partner could use that confirmation code to check in with the airline. That did not work. My partner and I then proceeded to spend the entire day ( I would guess it was about 8 hours ) on the phone with person B at Chase trying to resolve the issue. We were ultimately told that my partner did not have a ticket issued and we would have to rebook a ticket for the next day at our expense. The cost of the same ticket ( to match my ticket ) was approximately {$3000.00}. Again, Chase said this money would have to come out of our pocket despite that we had booked the flight months earlier and had done nothing wrong ourselves to change the flight. We declined to give Chase more money and risk getting stranded in another country if the same thing happened on the way back, so we scrapped the flight, meaning that neither of us used the two tickets that cost {$920.00} ( as I was not going to go on an international 10-day trip by myself, when that is not what I purchased ). So I need the {$920.00} back from Chase because I simply did not get what I purchased. I have called Chase again on XX/XX/XXXX and XX/XX/XXXX and have submitted a written message through their portal, but keep getting the run around rather than a refund for this terrible experience that put me out {$920.00}, wasted my entire day on XX/XX/2023 ( and several hours after ), and suddenly ripped away long-held travel plans that we were looking forward to.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

PayPal has been negligent in investigating the following case : Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX These were the problems with my XXXX order, which I have communicated to PayPal : The rattan volatile sticks lacked aroma ( false advertising and defective ). The door draft stopper was defective and unable to seal the bottom of the door, even though they were effectively advertised to be able to seal the bottom of the door. The two canvases were sold in deteriorated condition and falsely advertised as being in a frame. 

PayPal has not responded to my recent call or chat messages and has not provided me with seller 's evidence, which I have been trying to and have requested. PayPal is asking for proof of return, when I already provided a screenshot of the XXXX online portal showing the merchant 's refusal to generate a return label ( order ID, etc. included ) both in the original dispute and in my recent reply to them.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I transferred money online from my Bank of America account to my personal account, XXXX XXXX. {$1700.00} I mistakenly selected Bill Pay, selected XXXX XXXX  in my name, and transferred it. However, the money did not arrive at XXXX XXXX, so I visited the XXXX branch and asked a XXXX to confirm it. He gave me his contact information and said he thought the money was sent because I had made the wrong settings. So, I called the phone number they gave me, but they asked who I had paid the bill to and said they would check and contact me, but they ended the call as soon as the interpreter left. There was no contact after that.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX XXXX on XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : ATTACHED IS THE USPS TRACKING INFORMATION SHOWING DELIVERY OF THIS LETTER
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The bank " Capital One '' opened a credit card in my name without my request, consent or signature. I was never client that bank. I do not have no one card of " Capital One '' bank and don't have any account in that bank. However, the bank is fraudulently lowering my credit rating and extorting money from me, demanding that I pay for dont understend what. 
I called this bank, informed them that I had not requested, received, and did not want to receive any additional cards. I told them that I considered this fraud and extortion and that I did not want to have anything to do with them. I demanded that they stop damaging my credit rating and damaging my reputation. However, they continue to do this. 
In XXXX, my credit score was XXXX. Within two months, these extortionists reduced the rating to XXXX. 
Can you help get rid of these scammers?
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Spring Oaks Capital, LLC (FL)

This is a credit card account that I had know ideal existed until a bill came in the mail. I contacted the company to dispute this account all the time most people receive these letters in the mail from credit card companies I told them someone mustve taken the mail and filled out the information and received the card without my knowledge.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (WV)

On XXXX XXXX at approximately XXXX my vehicle was unlawfully repossessed at my apartment. The repossession company hired by my lender Chase bank approved this repossession company tokeep my vehicle after I clearly stated an objection to the repossession. My vehicle was in parked and running when a white pickup truck pulled up and took my vehicle. They took my keys that was inside of the vehicle while the vehicle was running. The driver was immediately informed that I the consumer was objecting to the repossession. Clearly demanded the return of my automobile the driver evaded my respectful request. I was at a safe distance from the vehicle gratefully as this driver was driving and moving at an alarming rate. This repossession was illegal for several reasons as I am sure it was a forceful attempt. An attempt that threatened the safety of myself and others around. Im asking the vehicle be released to me immediately. This company has made it clear they will not let me have my personal property from inside the vehicle. In attempts to avoid legal action on this repossession company and Chase bank as well. Unlawful repossession is highly subject to lawsuit.
Consumer complaint received 2023-08-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management is harassment me.

In violation of the Statue of Limitation in NYS. Last date of payment on account was XX/XX/2019. 

In violation of 15 USC 1692d harassment and abuse 15 USC 1692f unfair practices 15 USC 1692j furnishing certain deceptive forms
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: V and H Portfolio (FL)

Vance and Huffman LLC, XXXX XXXX XXXX XXXX, VA XXXX Amount stated on all three credit bureaus is {$1200.00}. I have no knowledge of this account from XXXX XXXX XXXX one day it just showed up on my credit report.