davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mirand Response Systems, Inc. (NY)

I received a phone call from someone claiming to be a representative of XXXX XXXX XXXX, I told them I was in the middle of something and didnt have long to talk, then I was asked to confirm my address, SSN and email ( which was not correct ) and I did not because I didnt feel comfortable giving my information was told my account is over-drafted I then asked how much was the claimed overdraft and was told they cant tell me unless I confirmed my information.

After over 5 minutes on the phone the XXXX XXXX  representative then told me that they are from a collection agency and are attempting to collect a debt I mentioned that we have been talking for over 5 minutes and they never told me that this is an attempt to collect a debt and also misrepresented who they are in order to get my information.

I requested a validation latter and was told that a validation letter was sent last year, I told the rep that I did not receive anything and would like an updated validation letter as they baggered me about my information and told me to go look up the company name in my email to see validation letter multiple times after requesting to be sent a updated validation over 3-4 times I then was told that a validation letter will be sent via email while were on the phone ( Nothing was sent ) and I was told I have 72 hours to contact them
Consumer complaint received 2023-02-14
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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, please remove/block any items listed on my credit 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: United Recovery Worldwide LLC (CA)

United Recovery Systems called my land line at XXXX on Wednesday XX/XX/2017 looking for a XXXX XXXX. I told them that he did not live at this residents and I did make the mistake of telling the collection agent that he is my father. At this time the agent try get me to take their information down and I refused twice. I then told the agent what they were doing was unlawful and the need to contact XXXX about his debt and not me. The agent 's reply was that he had left my land line number as an alternative contact number. I then informed said agent that I have only had the number a little over a week and not even XXXX has the number. At this point the call ended.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (VA)

Visit in person the JP Chase local branch at XXXX XXXX XXXX, XXXX, VA XXXX. Spend 2 hours in the branch, and had to return three times to get the bank to endorse the insurance claim check the was made out to myself and JP Chase. I was repeatedly told they could not help and I had to mail in it because their computer told them to tell me they couldnt help. I worked with cashier, associate, and manager. Even after they handed me a stack of paperwork with confusion, instructions it would have taken weeks to have the check endorsement. Even the documents stated I could bring it into a local bank which I show them and they said they couldnt help. I had to call the corporate office to call the local branch.
Consumer complaint received 2023-08-12
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: OneMain Finance Corporation (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-04-24
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair Credit Reporting Act the list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1618 Section 602 A states that I have the rights to Privacy.

15 U.S.C. 1681 604 A states a Consumer Reporting Agency can not furnish an account without my written Instruction / consent.

15 U.S.C. 1681 ( 9 ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than Records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 2024-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/2024. I tried to log in my Marcus online saving account. Then I realized my account got hacked and I called customer service immediately. XXXX confirmed my account got hacked and someone transferred {$10000.00} in total without my permission. I noticed the hacked changed me contact information ( Email, Phone Number ) and I never get any alert from the back. The Marcus staff told me the hacked transferred my money on XXXX dates : XX/XX/XXXX, {$3500.00} to XXXX XXXXXXXX, XX/XX/XXXX, {$3500.00} to XXXX, and XX/XX/XXXX. {$3500.00} to XXXX. I called them for XXXX hour and they told me they will get back to me in every 2 days. But I did not get any information back from then until I called them on XX/XX/2024.
Consumer complaint received 2021-12-30
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. (KY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!! 
( Case # for the banks investigation which I never head back from. case # XXXX )
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX do 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 2023-02-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Consumer complaint received 2022-11-18
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. (TX)

See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.
Consumer complaint received 2022-11-18
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. (SC)

Company : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MI)

A scammer hacked into my credit card. They posted several small charges, claiming that they were {$16.00} for " XXXX XXXX. '' I cancelled the card 2 days ago. The scammers somehow knew that I had cancelled the card, so I immediately received a text yesterday telling me that they were from XXXX XXXX to help with the problem. I got on the phone with them, and gave them several pieces of information before realizing that it was a scam, and I hung up. The name they used was " XXXX XXXX, '' and since then, today I got some emails from them saying that they just needed some more information for my credit card information. I did not open the emails. The name XXXX was in the subject line again. I permanently deleted both email accounts today.
Consumer complaint received 2022-11-18
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRIITEN INSTRUCTIONS, VIOLATED PRIVACY.
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I purchased my home on XX/XX/XXXX, My Original Lender, sold my mortgage to Mr. Cooper on XX/XX/XXXX. My Insurance Company returned the insurance premium to me, I reached out my new mortgage to ensure what where the procedures in regards to the insurance, I was told by the insurance department to deposit the money in to the escrow account an they will pay the policy. I reached out to the Insurance agency to advised to proceed to issued the policy and send to the Lender for payment. On XX/XX/XXXX I received a call the Insurance Agency informing my policy was canceled for non payment. I called the Lender they send the payment but the insurance co. did not want to reinstate the policy, I was place with a higher premium policy and my mortgage payment was increased. I was affected by the Hurricane Ian, due to the lenders negligence I am struggling with my mortgage payments and my credit has been ruined
Consumer complaint received 2020-03-30
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do 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 2023-02-14
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. (NY)

this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.