davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (NJ)

back in XXXX there have been charges from XXXX XXXX numerous times filled out their form sent to them by mail 2 days certified and until i believe XXXX the card usually was in my possession but at times was careless leaving in my pants purse i forgot washing machine pockets and never knew who charged XXXX dollars in charges between both of them usually they ask for id but in these cases they did not and also spoke with card .com not responding looked online card closed asked for new one police department said you need solid proof as a picture you just can not accuse i would like my new card and the money returned i have a car for years first a XXXX now XXXX and they ride nice also explained to them as well i could send my registration but that is personal and also my license my phone number is XXXX XXXX XXXX and XXXX is my personal email thank you i need the money back that i did not charge and will be out of till XX/XX/XXXX thank you i no longer use XXXX XXXX XXXX it is now XXXX XXXX XXXX
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (TX)

I have been getting constant harassing phone calls from Onemain financial services, stating that I need to pay my title loan. As, I have already catched up to my previous amount owed. I mentioned to them ( Onemain financial ) that, I have been injured in a commercial car accident. And, I had been paying an insurance with the car loan, WHICH the insurance company has paid the loan amount into my account/balance. They keep calling me, when in fact the actual XXXX payment is not due until XXXX XXXX of this year. They are disregarding the letter the main corporation sent to my previous case attorney, XXXX. They keep calling me and pressuring me to pay something that is not due for a couple months.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (PA)

XXXX removed this information from my consumer report thus proving my claim. In accordance to section 623 ( b ) ( D ) it is your duty to report the result to consumer reporting agency and since XXXX has removed this information, I demand that you remove this item from ALL other consumer reporting agencies. Please see attached.
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done bi my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently
Consumer complaint received 2023-07-21
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: WELLS FARGO & COMPANY (CA)

In Accordance with the Fair Credit Reporting Act this Creditor : Wells Fargo has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it aslo states a consumer reporting agency can NOT furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not a payment on a credit car/loan account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done XXXX my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently
Consumer complaint received 2022-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Send debt validation letter and company has yet to respond stating this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA [ XXXX ] XX/XX/2022 CAPITAL ONE BANK XXXX XXXX  XXXX XXXX, XXXX, VA XXXX To who it may concern, Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 Sec. 809 ( b ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character XXXX : XXXX XXXX Agent/Beneficiary ] Done in good faith Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-07-21
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: CITIBANK, N.A. (CO)

Received letter for Macys Credit Card ending in XXXX regarding changes to an account in late XXXX, XXXX. This was a huge surprise, as my Macys account was closed many years ago ( I believe XXXX, or earlier ). 
I called the creditor, and learned that there were at least 4 accounts opened in my name ( of which, only 1 was ever authorized by me ; this appears to be similar to the fraud committed by XXXX XXXX a few years back ). 
On XX/XX/XXXX, I made numerous attempts via phone to verify how many accounts were opened, and remained open, and to get the creditor to confirm ALL accounts were closed, but was told differing information depending on the CSR I spoke with, and they continued to be misleading when I inquired whether ALL accounts were closed. I spoke with 5 CSRs ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, and none would tell me the exact number of accounts opened in my name, only that there were at least 4. They refused to provide any account numbers for my tracking and reconciliation back to the 1 authorized account. 
They explained that no remaining accounts were open, and I requested formal documentation explaining this explicitly ( i.e., that I had no remaining accounts open, as I could not reconcile because I had only knowledge of the 1 authorized account, and they refused to give account numbers for the other 3 ), which they agreed. I never received that documentation.

For all I know there are still open accounts, or were more than 4 ( who knows!! ).

Regardless, only 1 account was authorized to begin with.

Im looking for confirmation that ALL ACCOUNTS IN MY NAME ARE CLOSED. Not one-off letters for a particular account that was opened without my authorization ; I can not reconcile this if I can not confirm how many unauthorized accounts were opened in my name to begin with. Huge problem here, and Ive seen companies fined millions for this very type of internal sales fraud, just like XXXX XXXX.
Consumer complaint received 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX Account name-XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-20
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)

XXXXXXXX XXXX  - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

From XXXX XXXX XXXX XXXX there were multiple charges on my account totaling {$3000.00}. I filed Dispute ID : XXXX in the amount of {$3000.00} that I reported on XX/XX/2023 even though they didn't file the dispute until XX/XX/2023. They have since denied my dispute despite the fact that they sent a debit card to XXXX XXXX XXXX even though that address was never associated with my account nor given to them at any point. They also mailed the denial letter to the incorrect address even though my address is properly reflected on my account. They refuse to provide any documentation and have now locked my account after I recently submitted verification documents to regain access and ensure that my information is correct on my account. I can not access any funds on the account due to the lock and they refuse to replace my money even though its obvious it was ab error on behalf of XXXX XXXX.
Consumer complaint received 2023-05-22
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: Freedom Mortgage Company (MS)

Insert cordance with the fair credit XXXX & XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end 344 consumer credit plan as late for and purpose.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRES DO NOT BELONG TO ME.
Consumer complaint received 2021-08-02
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. (NC)

On my credit report is an account by XXXX XXXX XXXX. I have paid the account and they specifically told me they will remove the account. They sent you a letter demanding that you should remove the account. I am asking why you still have the account listed when it should be removed immediately. The confirmation number XXXX for my payment. The account by XXXX XXXX should be immediately removed from my account.
Consumer complaint received 2022-11-21
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-11-22
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)

I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX XXXX XXXXXXXX Account numberXXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MA)

I received three repeated calls from ( XXXX ) XXXX, disturbing my peace, from an apparent spoofed number in Massachusetts with my same area code. The first call was on XX/XX/2023, at XXXX XXXX  and I did not answer nor the caller left a voice message. The second call was on XX/XX/2023, at XXXX XXXX, which I did not answer, nor the caller left a voice message. Apparently, the caller was not satisfied with no receiving answers from me and called a third time on XX/XX/2023, at XXXX XXXX, disrupting an important phone conference that I was having. 

I called back several times to inquire the reasons of the repeated calls. The representatives identified the company merely as MAB, a personal matters corporation, providing vague descriptions of what supposed personal matters the company addresses, and asking for an unknown person. Finally, one representative identified the company as Mercantile Adjustment Bureau, located in the state of New York, without disclosing that it was a debt collection agency. I asked why they were calling me from a phone number with my same area code and the representative denied calling my number. 

I am still investigating what business Mercantile Adjustment Bureau has in Massachusetts and if they provide services to any of my former creditors, which I all included in my XXXX XXXX bankruptcy petition.
Consumer complaint received 2022-11-21
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation (WA)

I received a couple of calls that I owe money for two appts at different health agencies, I asked for proof the debts are mine. I was then hospitalized and when discharged was served a summons to appear to a " Request for default '' hearing. I called Merchant 's Association and said I would pay the debt but I wanted them to send me proof that I owe the debt because I do not recognize the name of the XXXX clinics they say I owe the debt for. I have not received proof as of yet. Now I have received another " Notice of intent to request default judgment '' which says I have 10 days to respond. I logged into the XXXX XXXX XXXX XXXX efiling system to look up the case number on the summons and the case number does not exist. Today I sent ( via fax and certified mail ) a letter again requesting proof that I owe these debts so that I can reconcile them with my health insurance company to make sure they are my debts, they were billed and processed correctly ( if at all ), and pay what I owe if legitimate.
Consumer complaint received 2023-07-21
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: ENCORE CAPITAL GROUP INC. (IL)

This account does not belong to me its fraudulent account that I have not opened its being reported to transunion under a social security number does not belongs to me from midland credit management Inc Beginning or ending with XXXX in which I have spoken with transunion and midland credit management Inc and neither one of these companies have not corrected this problem