davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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: ENCORE CAPITAL GROUP INC. (LA)

This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.
Consumer complaint received 2023-08-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I became unemployed and filed for Unemployment Insurance with CA XXXX. A XXXX prepaid debit card was mailed out to me. However I never physically received it ( I did not have possession of the card at any point in time and therefore I never activated it with my credentials ). On XX/XX/XXXX, I logged into my online account with Bank of America and discovered that there were several charges/transactions ( in the amount of {$3500.00} ) that I did not make and/or authorize anyone on my behalf to make. Some of the charges were from out of state ( New York, which I have never even traveled to ) I immediately filed a claim on XX/XX/XXXX with Bank of America and disputed the charges. The claim was denied on XX/XX/XXXX. I appealed the claim on XX/XX/XXXX and reopened the claim with Bank of America for reconsideration. Once again, Bank of America denied the claim on XX/XX/XXXX. I proceeded to file a police report and faxed that report along with a copy of my drivers license directly to Bank of America on XX/XX/XXXX for further investigation. I have requested a copy of all supporting documents that they relied on to deny my claim a total of 3 times and have never received those documents. Please note that there are additional fraudulent transactions/charges made in the amount of {$63.00} on a separate claim that are also currently in the process of being disputed with Bank of America XXXX Thank you.
Consumer complaint received 2020-05-13
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I contacted XXXX  regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Express XX/XX/XXXX XXXX Card XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

In XX/XX/XXXX my father refinanced our home to pay off some remodeling debt. He signed this loan not knowing what a negative amortization loan is. Over the years He paid the mortgage on time never missing any payments but only making the minimum payment on the loan, without knowing that the balance of it was getting larger. So then the loan was sold 2 separate times. My father passed away in XX/XX/XXXX and I now have this loan which was automatically converted to an interest only loan with Nationstar Mortgage. I have been living in the house so I continued making the payments till suddenly the payment went from XXXX to XXXX. I do n't know what to do. I called the mortgage company and they told me that if they modify the loan it would only go to XXXX per month. I will soon be getting foreclosure notifications. I asked them if they would take partial payments and they said they would just sit in limbo. I know that Neg Am and Balloon loans are illegal but I do n't know what I can do about it.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent information.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

Today, XX/XX/2023 at XXXX Central Time, I received a phone call from " Chase Bank XXXX at caller ID XXXX with an individual claiming to be from Chase XXXXs Fraud Protection department notifying me of fraudulent activity, a charge of {$2600.00} to XXXX XXXX XXXX XXXX XXXX a Chase credit card account in my name. I did not make this charge, and no one in my family or other authorized person would have made this charge. I am also not entirely clear if I have any credit accounts with Chase, but I don't think that I have. I do have a XXXX XXXX in-strore credit card that I think is managed by Chase, but no other cards that I am aware of. 

They said that they were declining the charge, and then asked me to provide information about any other credit card in my possession in order to verify my identity. They did read out to me my home address, which was an accurate address. 

I became suspicious that they were asking me to provide card numbers/details about my " other '' credit cards, in this case I had an XXXX XXXX XXXX in my possession. While I was suspicious about this call and the request for information, there were elements that seemed correct and I did read out my XXXX card number and last XXXX digits of social security number. When they asked me to read out the XXXX digit security code of my XXXX card I did not provide that, and I stopped providing information. 

I then called XXXX and cancelled my card with them. 

The original caller also gave me his name - XXXX XXXX XXXX from Chase, a XXXX Security Analyst. He also gave me contact information for the FTC 's Bureau of Consumer Protections, which is how I found my way to this website.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (FL)

Volks Wagen Credit repossessed my car without sending the notice to the correct address, and they claim to have called and left voice messages, but that is not true. The only Voicemail they left was that they were going to come and inspect the car before the lease expired.

After the lease expiration, they wrongfully kept taking payments for the lease via their phone system without informing us that the lease had expired and no payments could be made.

We are a decade-old customer of VW with four cars on lease with them historically and never ever missed payments.

They kept us waiting in long queues in customer service, and after several days, they said that we could buy the car with them only if we created a DD. No other payment method will be accepted, No wire transfer or Credit card payment.

Their systems are old, and they don't talk to each other, and that is why we are in this mess
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (TX)

I have been actively taken a role in educating myself on credit and financial literacy.

Under the FDCPA, debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices when attempting to collect a debt. I assert that your actions have violated these provisions of the FDCPA, which are in place to protect consumers like me from harassment and unfair debt collection practices.

Provide verification of the debt, including all relevant documentation and account statements, as required by the FDCPA. I have reached out to Harvard Collection Services via certified mail, and I was ignored. My rights have been VIOLATED!
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

My mortgage was in Forbearance due to Covid- I worked with the NY Housing Assistance Program to get caught up - which I did. I on multiple occasions requested a forbearance when I again got behind on my mortgage which was denied every time I requested. The entire time I was requesting a forbearance- I was again working with the NY Housing Assistance Program for funding. NY HAP was in regular communication with XXXX regarding my application for the program funding and in XX/XX/XXXX XXXX still put my home in foreclosure status and started charging my account tons of Attorney Fees & FC Expenses & Late Fees. Please see dates and fees charged : XX/XX/XXXX - Attorney Fee {$1600.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Expense {$520.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$410.00} ( Advance ) XX/XX/XXXX - FC Fee {$35.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$570.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XX/XX/XXXX - Late Charge Adj {$25.00} XX/XX/XXXX - Late Charge Assessed ( {$22.00} ) XX/XX/XXXX - LM Expense {$14000.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$450.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - FC Fee {$45.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$3900.00} ( Advance ) XX/XX/XXXX - FC Fee {$1000.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XXXX forced me into a loan remodification at a much higher interest rate ( 5.625 % ) than my Initial loan interest rate ( 4.250 % ). Prior to my forbearance my monthly mortgage payment was {$1100.00} but while I was in the middle of my Forbearance my regular monthly payment skyrocketed to {$1300.00}.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing is the charged/off account XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX last updated status of the account has been updated as Paid, Closed. {$990.00} Written off. XX/XX/XXXX of a credit limit of {$700.00} highest balance {$970.00} and therefore it has been turned into a charged off account. According 15 U.S. Code 1666b - Timing of 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. As I know the creditor did not notify me 21 days before a statement According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I demand a deletion for XXXX XXXX XXXX on behalf of my credit report. account # XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated 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 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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Inquiries to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (FL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Consumer complaint received 2022-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XXXX XX/XX/2022 I received an email notification from XXXX that an application was submitted in my name to establish a credit card with Bank of America, I did not make this application. I contacted Bank of America and reported this application as fraudulent. Bank of America assigned a case ID number. From my conversation with Bank of America it would seem someone has at a minimum my date of birth, name, previous addresses, and previous phone number.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX  has violated 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.