davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (KY)

I filed a complaint on XX/XX/23 on XXXX about a debt with XXXX XXXX XXXX. As the complaint was processing I recieved another communication through Halstead Financial. They texted me directly. XXXX is outsourcing while there is an active complaint and they are giving my contact information and not my Attorney 's information. They are still violating my consumer rights.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (MD)

My name is 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 2023-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MO)

National Recovery Agency placed a collection on my credit bureaus and it appears they purchased this debt from XXXX XXXX XXXX ( another collection agency ). This violates Federal Law and the FCRA as they did not provide any information on the original creditor nor original creditor data/ dates. I can not verify this is my debt. This is an attempt to re-age a collection by selling to another collection agency without the ORIGINAL CREDITOR AND DATA. This is not my collection and my XXXX  XXXX XXXX of XXXX XXXX XXXX will seek monetary and punitive damages if this is not DELETED from all credit bureaus.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (MA)

I have been the victim of identity fraud with my SSN. I called to inform US Bank on XX/XX/year> that someone illegally attempted to open a US Bank credit card online without my consent. 

I received a second letter XX/XX/year> that someone illegally tried opening another US Bank credit card without my consent. I contacted the fraud department, and they took down all my information. 

US Bank confirmed the next time someone tried to open any additional card cards in my name that they would call confirm, and verify with me first before processing another credit line application. The second credit card was opened once again without my consent. I never received a phone call. 

The credit cards are being denied ( thanks to XXXX ), however my line of credit for myself is getting affected every time they apply illegally. 

In the future I would like US Bank to please call and confirm with me before processing any applications in my name. ( XXXX ) XXXX.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists
creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IN)

XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

This is the 2nd time that this company fails to report accurately. Current XXXX/XXXX credit report shows : 1. Last payment as XX/XX/2019, this is wrong last past was XX/XX/XXXX, and the balance to the account wrong. The account is current right through today XX/XX/19 2. Hyundai fails to report accurately on scoring, missing 2 months of scoring. This affect overall credit score.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I mailed a letter disputing items on my credit report on XX/XX/22. By law and according to 15 USC 1692g, the company is required to do so. I would like the items disputed to be deleted for breach of contract.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NM)

I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.
Consumer complaint received 2023-04-03
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. (PA)

Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXX but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other AddresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-26
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. (OH)

On XX/XX/2023 I sent letters to Experian ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and XXXX ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX party any nonpublic personal information. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-06-01
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 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.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account number ( XXXX ) Debt {$590.00} Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. 

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. 

Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-17
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

My account has been unlawfully restricted. I tried multiple times to get this matter resolved and I have been unsuccessful in doing so. I've done everything required including provide all the proper documentation and I have not received an explanation or anything stating when my funds will be released. This is unlawful and illegal.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

A few days ago, my account lost {$2000.00}, which is my living expenses for several months. I checked my account immediately after I found it. At that time, this was a pending state. So I want to explain the situation to the bank as soon as possible and there is a fraudulent charge. I hope they cancel the transaction. But when I first called, when he heard that I needed to cancel something, customer service become very rude to me and told me that I needed to wait another 15 days. I made several phone calls, but Chase Bank didn't want to take action as soon as I heard that I lost my money, and put all the responsibilities on me. I consulted my lawyer and she told me that the bank should be responsible for the money because they have the right to protect consumers and cancel the payment. My lawyer clearly told me that most banks should reimburse me if there have a authorised push payment by scam or fraudulent transaction. I remember answering a phone call before I lost my money. The scam lied that he was an employee of Chase Bank and said that he would freeze my bank card because my card was stolen. As a result, I found that my card was less than {$2000.00} and transferred it to someone I didn't know. The people who really work in the bank are too rude. They do not want to reverse the transaction but actually they can. Even lied to me that they would investigate that person turns out saying " lack of evidence ''. I feel very unfair and sad. This is my hard work money. I believe in banks, so I invested and put my money in Chase Bank, but when something happens, they will treat consumers with such a high attitude. If the world is still fair, please give me back my 2000 dollars. 


Why do I continue to use it after being fraudulent charged? Because I can't trust any bank, and I have to live.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, Experian and XXXX onXX/XX/XXXX and every 30 days up until presentXX/XX/XXXX I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Consumer complaint received 2017-05-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America processed a  Loan Modificatio n in   XXXX   XXXX     with my ex husband  ( borrow er ) without notification to myself or my signature. There is no divorce decree or property division giving my ex husband sole decision making on the loan, yet BoA allowed for only him to be the decision maker on the loan mod. BoA processed the loan with only ex husband signature, stating him as " Borrower, '' but not myself. I attempted to have BoA remove me from the loan obligation as it was processed as fraud, and was declined. I am filing this complaint because of fraudulent financial practices to process the loan modification. It is a fraudulent practice to process loan mods quickly and not seeking the signature of all parties.
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Company claims I owe {$190.00} to   XXXX   XXXX   XXXX   XXXX  . However, I have attached a receipt dated  XXXX / XXXX /   16 from   XXXX  with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.