davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Opened up an account with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NY Purchased 2 carry on luggage bags.

Was immediately approved. 
Purchased luggage and 2 other items for a total of {$170.00}.

Card arrived roughly 10 days later. 
Tried activating the however I couldn't. 
Tried calling numerous times and was bounced around from dept to dept. 
Their customer service team is the worst of the worst. 
Turns out the reason why I couldn't activate the card was because it was already used internally by someone in their own office charging items even before my card was activated in the amount of {$140.00} in XXXX CA no less. We have not been to CA in 30 years and have XXXX intention of visiting in the future. 
Tried to resolve this numerous times. Have contacted compliance and the XXXX of XXXX XXXX - crickets. They just don't care. 
Demanded they close my account and they in turn hit us with a late fee even though we have proof payment was made many days before however they intentionally posted it late to shake us down for more money. 
Please help. These people are animals. I have spent many hours worrying about my credit and who has my information and when will it be compromised again. I have stellar credit and am worried about what the future holds in case I try to buy a car or home. Clearly, they don't care about it's customers.
Consumer complaint received 2022-12-09
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. (MI)

XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies immediately.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

ALL LEDGERS FOR EVERY PAYMENT MADE, THEY REFUSED TO PROVIDE FOR ME. 
I ASKED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED PER THE CHARGE BACK NEVER RECEIVED BY MY BANK. LEGAL ADV THAT THIS AMOUNT WAS ADDED DUE TO MY BANK DISPUTES. THE FIRST WAS XXXXXXXX XXXX THE SECOND WAS XXXX SOMETHING. XXXX XXXX XXXX, XXXX IN THE CORPORATE OFFICE AND XXXX XXXX ALL ADVISED OF ISSUE NOW THEY HAVE CONSOLIDATED THE CHARGEBACK AS A LOAN. WHEN I TRIED TO CONTACT THIS MANAGER I WAS TOLD SHE NO LONGER WORKED THERE. THE XXXX  GUY IS CALLING MY CELL PHONE LYING ON TODAY AS IF HE DIDNT SEE THE CHARGEBACK LOAN, AS PREVIOUSLY ADVISED. I HOPE EVERY BAD THING FINDS ITS WAY TO EACH OF THESE INDIVIDUALS : )
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-06
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. (MD)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a Capital One bank customer since 2014. I've always had good standing with the bank. Recently I have been the victim of fraud which left my checking account overdrawn with a negative balance amounting to thousands of dollars. Capital One didn't help in any way. They want me to pay back the negative balance without even attempting to investigate the fraudulent transaction. The details of the scam I was exposed to are as follows : I applied for a remote job on indeed. I was approached by XXXX XXXX to be interviewed on an app called XXXX. A person claiming to be a manager at XXXX XXXX supplies sent me a contract with company logo. He then claimed that I need office supplies and equipment to start training. He sent a check for {$8900.00} and asked me to deposit it in my bank account to purchase the required equipment and software. He then told me to wire {$8700.00} to a vendor who will provide the necessary equipment. As soon as I wired over the amount, he revetsed the check. My checking account is now overdrawn and I owe the bank a huge balance. I want to warn others against this scam so they don't fall for it.
Consumer complaint received 2023-07-18
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The Kohls store card is managed by Capital One. Kohls/Capital One is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Kohls/ Capital One is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Kohls/ Capital One has not been able to refute this information/ laws. Instead Kohls/Capital One has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Kohls/Capital One stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Capital One use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Capital One is the fiduciary debtor.

Therefore based on my various written requests via certified mail Kohls/ Capital One should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Kohls/ Capital One account is not delinquent and the balance should have already been set to XXXX  as these requests have been made over 60 days ago. Kohls/Capital One also violated 15 USC 1666b by reporting the account as late and refusing to remove the late fee. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe that the above actions or omissions directly contravene the provisions of 5 U.S.C. 552a ( b ), which states that federal agencies must ensure the confidentiality and integrity of individuals ' personal information and protect against unauthorized access or disclosure. 

I kindly request that your agency conducts a thorough investigation into this matter to ascertain the extent of the Privacy Act violation and take appropriate corrective actions to rectify the situation. I also request that you inform me of the steps taken to address this issue and prevent similar violations from occurring in the future. 

Please provide a written response to this complaint within 30 days, as required by law, acknowledging receipt of this complaint and outlining the actions taken or planned to address this matter. 

I take this matter seriously and trust that your agency will give it the attention it deserves under the provisions of the Privacy Act. 

This is no 3rd party I am real human.
Consumer complaint received 2020-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (OK)

I obtained a consolidation loan from one main financial in XXXX Oklahoma which was secured with XX/XX/XXXX XXXX XXXX pickup fully loaded I lost my job in XXXX slow down and upon repossession of vehicle was notified I could have personal items from pickup when I paid them in full possessions in vehicle was things such as birth certificates my sons and my own lots of tools and XXXX fittings of my own plumbing fittings for pex pipe tools and plumbing fittings costs approximately XXXX costs of XXXX fittings approximately XXXX not to mention loss of transportation and missing our vital records left us in even more of a bind some things can't be replaced things belonging to my grandchildren it's not right for any company to do these things should never be ransomed in order to get personal things back and held like a XXXX for money they knew I could not afford to repay lost everything soon after including house
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Starting back in XXXX XXXX My Mortgage was with XXXX XXXX XXXX. I had called them and asked if I could push one payment back since I was never late in 10 years and had loss my business of 18 years overnight. They said they could not do that. I was unable to pay the XXXX, XXXX, and XXXX payment when I suddenly get a call from XXXX stating that they want to work with me. I received a forbearance agreement which called for half of my regular payment to be made for 12 months. I made the 12 agreed payments, then contacted them and I was told that they were working on it. 3 months go by and all of a sudden XXXX XXXX services went out of XXXX! I waited to see who would pick up my loan and lo and behold it 's Nationstar!, who contacted me 5 months after XXXX went under. I explained to XXXX that I had completed my forbearance agreement and was on the cusp of completing my loan modification. At that point I was told that I would have to start the process all over!! Between XXXX XXXX and XXXX XXXX I must have given them my Loan application at least 11times!! 6 of those within 1 year!! ( XXXX XXXX - XXXX XXXX XXXX Finally, in XXXX XXXX I get a loan Modification approved, made my XXXX trial payments and was to begin in XXXX of XXXX with my First payment. That month I was rear ended at a red light at XXXX, after i was released from the hospital, I called Nationstar to advise them that I 'm out of work at the moment due to the accident and will be starting rehab due to one of my XXXX XXXX XXXX. I asked what should I do because I did not want any problems with this loan mod since it took me almost 7 YEARS to acquire! The response they gave me was " Do the best you can '' While out of work and still in XXXX XXXX 2 months later, Nationstar called me and asked how things are going. I said I 'm still out of work and in rehab. I was told once again " do the best you can '', then a month later I was served with Foreclosure papers. While dealing with the foreclosure suit, the judge ordered it to mediation, upon meeting with the County 's Mediation Department, I was told if I had made ONE payment, they could have started the process all over. I said I have been dealing with incompetence from this Company ( Nationstar ) for over 6 years! I would get repeated calls and when I would answer they would hang up, Once i was waiting for the Escrow Dept. to call me back, I end up getting a call from loss mitigation offering me {$5000.00} to move!! I asked " do you guys talk between the departments? The girl said '' no '' I said " I can tell, I 'm waiting for Escrow to get back to me '', Not receiving Faxes that I sent upon request ( this happened multiple times ), etc. many more I could list. This could have been completed Years ago, but due to widespread incompetence on Nationstars part, this has now put me in a compromised position.
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX, I mailed a letter to Midland Credit Management requesting they stop contacting me regarding an alleged debt. The date of last alleged delinquency is XX/XX/XXXX in the amount of {$1900.00}. The letters were sent via certified mail ( XXXX and XXXX ) to Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( received by Midland on XX/XX/XXXX ) and XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX received by Midland on XX/XX/XXXX ). Also attached is a letter from Midland dated XX/XX/XXXX. Midland continues to contact me after I have demanded that they no longer contact me.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Between XXXX XXXX of XXXX, there was fraud committed on my Chase bank checking accounts. Large sums were spent in XXXXXXXX Nevada between XX/XX/XXXX and XXXX, that I did not authorize. I am a victim of fraud and identity theft. Chase didnt notify me when that person was making multiple transactions of thousands. All the transactions were in XXXX Nevada while I was at work in California, I couldnt have authorized those transactions. I didnt even get notified by Chase about any of those transactions. The fraud also changed my email by just 1 letter and added an extra letter j and changed my address in XXXX of XXXX  to New York and Ive never lived there which can be seen in my previous bank statements and drivers license, Ive been in California ever since I got the Chase account. The total sun of those transactions is {$15.00} XXXX. I was never notified by Chase that those transactions were taking place. I have a police report and FBI reports already filed and sent fax copies to Chase fraud department that they received XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (LA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-09-13
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. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-09-13
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. (NJ)

This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear CFPB

Nationstar Customer Relations Department  c/o Mr. Cooper
XXXX XXXX XXXXXXXX TX XXXX

RE: Nationstar Mortgage LLC (d/b/a) Mr. Cooper. Mortgage Number‐XXXX

I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on
X/XX/2014, when the principal balance was increased from XXXX to $XXXX and eventually increased to $XXXX.

The original principal balance and the original loan amount is $XXXX. The current principal balance is XXXX more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately $XXXX. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.
…………..
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team; my Chapter XXXX attorney; the Chapter XXXX bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of XXXXXXXX.

I request that the current foreclosure action,  be cancelled and the correct principal balance be corrected immediately. 


Sincerely,

XXXX XXXX
XXXXXXXX XXXX XXXX XXXX CA XXXX

Nationstar Mortgage Number-XXXX