davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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 (NY)

On XX/XX/2023, I placed an order online with a merchant for {$160.00}. Soon after, I received an email stating that my order was unpaid. I clicked the link on the email to complete my order. I then received an email stating that my order was paid. The following day, I noticed I was charged twice for the same exact order. I tried contacting the company via phone, but they would not return my calls. When I contacted the company via email, they said that two of the same orders were placed. I asked that one of the orders be canceled because I did not need two of the exact same orders. They stated that unfortunately they could not cancel the order at this time. They instructed me to go to my local post office to cancel the package. When I went to the post office, they stated that this [ canceling the package ] is some thing that they could not do, but that the merchant should cancel the package. I contacted the company again via their app to let them know and asked for a refund. I explained that when I received the package, I would return it. The merchant said that I had to pay {$30.00} to return the {$160.00} of items. I explained that this was not my fault, but on fault of the company. I tried again to schedule a " hotline appointment, '' but they never called. They were adamant that I would have to pay {$30.00} to return the second package. 

I contacted Barclays to dispute the charge on XX/XX/XXXX. I did not hear back from Barclays until XX/XX/XXXX when I received a letter in the mail stating that after review they were siding with the merchant. During this time, I was not notified about any information that Barclays may need however, I did try to contact Barclays via phone throughout the process. At no point was I able to speak to someone directly about my open dispute. After the decision of siding with the merchant was made, I sent Barclays back several pieces of evidence that shows the merchant was unwilling to except the return and that they fraudulently charged me for two of the exact same orders. Barclays dispute center only receives information/evidence via mail, which makes it very difficult to immediately hear back from Barclays. On XX/XX/2023, I received another letter from Barclays stating that they again have closed the dispute in favor of the merchant and advised me to contact the merchant directly. I contacted the merchant several times in XXXX and they were unwilling to accept the return. Now it is more than XXXX days since my initial dispute was opened and the merchant has a 30 day return policy. At this point, I am unable to even take a {$30.00} loss. 

Both my husband and I have Barclays Frontier credit cards. We always pay our bills on time and have a revolving credit of several XXXX dollars. I would highly dissuade anyone from opening a frontier credit card as they are unwilling to protect their customers.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I'm filing a complaint against XXXX XXXX XXXX who actions have been deceptive, unfair, misleading and in violation of a federal consumer protection laws & regulation. XXXX XXXX XXXX  foreclosed on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) without having an authentic promissory note, the Pooling and Servicing agreements including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates XXXX XXXX, & all Notes that should have been properly indorsed each time they were transferred. In contradiction, the XXXX XXXX XXXX XXXX  XXXX Trustee indenture would have expired on XX/XX/XXXX when the foreclosure action was initiated. Moreover, the XX/XX/XXXX mortgage assignment both " Assignor '' & " Assignee '' all shared the same address of the mortgage servicer which was c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-22
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: CITIBANK, N.A. (NJ)

I signed up for a Costco Credit Card from CITI and NEVER activated the card. 

Costco then charged my annual membership to this card, without my knowledge or permission. 

I failed to pay for the membership on the card, that was NEVER activated. 

I later paid the charge, but they still placed a negative mark on my credit report, CITI ( opened XX/XX/XXXX ). 

I want this removed because I plan on buying a house and do not want this to count against me. 

I disputed the charge twice ( XXXX and XXXX ) through XXXX and called the credit card CITI but could not get it resolved. This is the first and only negative mark against my credit. 

I would appreciate any help you can provide. 

Thank you, XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX XXXXXXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my Private Property.
Consumer complaint received 2023-01-25
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. (MA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

I was sent a collection letter from jefferson capital systems llc, I requested to have more information sent to me about this debt on XX/XX/XXXX at XXXX XXXX. XXXX  is XX/XX/XXXX XXXX XXXX  XXXX. I Have not received any correspondence to my letter requesting more information on this debt
Consumer complaint received 2016-02-19
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nicholas Financial Inc. (NC)

Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).
Consumer complaint received 2024-03-07
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-08-08
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRSTBANK PUERTO RICO (PR)

I'm receiving multiple calls a day must of them are robot calling, for which I didn't agree. 
Yesterday I called the institution to request a cease to the phone calls and request to be contacted only by text. Which the representative reply they couldn't process the request because it wasn't made in writing. In two days I had over 8 messages in my voicemail, considerated as harassment in an attempt to collect a debt.
Consumer complaint received 2024-03-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has XXXXiolated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (MI)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 XXXX XXXX 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct XXXX XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct XXXX XXXX  balance {$2100.00} XXXX XXXX account number ending in XXXX balance {$320.00} acct XXXX XXXXXXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct XXXX XXXXXXXX balance {$10000.00} XXXX XXXXXXXX XXXX account number ending in XXXX balance {$800.00} acct XXXX XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct XXXX XXXXXXXX balance {$500.00} These are violations!
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Experian report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Experian is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Experian failed to do that. Experian is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX XXXX XXXX XXXX to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Experian to furnish on my XXXX XXXX Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep told me it would remain on my credit profile for 7 years. Harming me. I am now here seeking justice for being wrongfully treated by XXXX.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid 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: Continental Finance Company, LLC (TN)

I have a XXXX XXXX that is through XXXX XXXX XXXX and issued by The Bank of Missouri. My card came up missing and two fraudulent charges were made to my account on XX/XX/XXXX. There was a charged made to XXXX XXXX in the amount of {$69.00}, and another one to a place called XXXX for {$1300.00}, with charges were made on the same day, which was XX/XX/XXXX. I called and reported the fraudulent charges a few days later when I realized my card was missing. I spoke with a department who told me that they had cancelled the card and would issue another and it would be mailed out. They never mailed out another card, but sent me a letter saying that they had decided to revoke my charging privileges and did not issue me a new card, which is fine. The problem is that I reported the fraudulent charges and they are not addressing both charges. I have called in to Customer Service several times and advised of what charges were fraudulent and was assured they would be taken care of. After a while I did see that they did do an adjustment for the XXXX XXXX charge of XXXX but the charge for XXXX for XXXX was not adjusted, I called in when I saw this and spoke with a customer service agent who advised me that she did not see the charge either but showed the processor was someone named XXXX and provided me with a contact number and email address to send information. I called and did not reach anyone but did leave a message that same day. I also sent am email to the email address provided of XXXX, and advised that I did see that only of the two charges had been adjusted and advised that the other charge made on the same day was also a fraudulent charge, and a week letter I have not received a reply or a response to my email. In the mean time I did get a Unauthorized Charges Claim form dated XX/XX/XXXX, to complete and sign. Upon reviewing the claim form, I noticed that the charge to XXXX was also missing on the form under the list of fraudulent transactions. I manually added the charge to the form and signed and dated the form. Again, I emailed the form along with an explanation advising that the charge to XXXX was also fraud and made on the same day as the XXXX XXXX charge and was fraudulent and needed to be added, as it made no sense they would give me an adjustment for one but not the other when the charges were made the same day! In addition to emailing the form to XXXX, I also faxed it to the number XXXX as indicated in the letter. I also mailed the form back to them. The same day. I waited a few days to see if the charge would be added and it was NOT, so I contacted Customer Service again and spoke with a manager who advised that he would get the charge sent up to have it reviewed. Its been a week and the charge is still out there on my account and not adjusted and its been three 3 weeks since I initially reported the fraudulent charges.
Consumer complaint received 2023-07-27
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: LEXISNEXIS (TX)

Submitted complaint about the issue through CFPB XXXX XX/XX/, complaint XXXX. LexisNexis still has not responded to to myself or CFPB as of today, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-10
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. (MO)

I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.
Consumer complaint received 2023-08-08
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. (OK)

This is my 3rd attempt trying to get Experian to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail.

Again please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.