davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: JPMORGAN CHASE & CO. (NY)

Below is a list of accounts and/or inquiries that we reviewed together and determined to be fraudulent : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX The automated system confirmed the XXXX XXXX Card application was received/denied. 

CHASE XXXX XXXX XXXX XX/XX/2022 XXXX XXXX confirmed the application for a XXXX XXXX card was flagged as fraudulent/denied. the hard credit inquiry will be removed within XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX advised the card had been closed as fraudulent. None of your personal information was used, just your name and address
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MN)

XX/XX/2019 XXXX to XXXX CST Called Midland Credit Management They had four accounts of mine in the amounts of : {$1500.00}? missed the change {$3600.00} {$880.00} {$1200.00} I called Midland Credit Management to try and work out a payment arrangement on four accounts that they had of mine in collections. I explained my loss of income and loss of current job position to company moving my product to another state. I told the representative I could only afford XXXX/month to pay towards all the accounts combined. I told if he couldnt do that I would pay {$100.00} today. He transferred me to a supervisor. I told her the same thing and then asked me to think outside of the box, i informed her that I dont have any other resources. I mentioned I havent gone to the doctor for my XXXX XXXX in many months since I couldnt afford it. She than preceded to tell me that XXXX XXXX was serious and asked if i had to go to the emergency room for it how would i come up with the {$400.00} needed to pay for it. I told her i couldnt. She continued to push. I informed her I would still be seen in ER and would fill out papers for XXXX XXXX I told her again I could only do XXXX/mo and if she could take that monthly that I would make a payment of XXXX today. She told me she couldnt do the arrangement, i told her i would just pay the XXXX today then and she refused to accept my payment and continued to talk over me. I asked what her name was she said it quickly, I asked her to repeat it, she didnt, she continued to talk over me. I asked her on this recorded line if she was refusing my payment? She continued to talk over me and refused to take payment. I informed her I was going to file a complaint and ended call. 

I called back and told the rep on the phone that I wanted to file a complaint. I filled this person in and let her know that the rep had talked over me, was very pushy and refused my payment. She said would have someone in management review the call. I informed her that I was going to also file a complaint with the CFPB. After explaining everything she set me up on a payment plan that i had asked for at the beginning of the call. The first supervisor was rude, seemed to treat me like i was lying to her, talked over me and refused my payment of {$100.00} that i offered for today.
Consumer complaint received 2023-04-18
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)

I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recovery Services, Inc. (MS)

I sent a debt validation and proof of claim letter to XXXX XXXX XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, whom another debt collection company ( XXXX XXXX XXXX ) responded to my inquiry that they manage referenced account for XXXX XXXX XXXX. I do not know this company, I had no knowledge that this company existed because I never received the initial notice from this company, and I have not given ANY company written consent unless otherwise through inquiry for debt validation. The initial letter that I sent to XXXX XXXX XXXX was for debt validation and proof of claim. XXXX XXXX XXXX has not responded to my request or validation. In responding to the debt collection letter from XXXX XXXX XXXX XXXX, it is very confusing and frustrating because I have since learned that there are 3 other companies besides XXXX that has collected or tried to collect on this debt that XXXX fully knew was a discharged debt in bankruptcy because XXXX has been reporting this debt as " being discharged in bankruptcy '' on my XXXX credit report since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. 

This debt is currently being claimed as a debt by multiple debt collectors as follows by comparing the debt collection notices that I have received : XXXX XXXX XXXX, XXXX. ( original creditor ) XXXX. XXXX XXXX XXXX ( reporting to credit reporting agency XXXX with status updated XX/XX/XXXX - month/year in which the bankruptcy was filed ) 2. XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX ( received 2 notices on XX/XX/XXXX ) I have XXXX XXXX mailed an Affidavit of Proof to XXXX XXXX XXXX and invoice of violations dated for XX/XX/XXXX. 

I have received 2 summons to appear for before XXXX XXXX on XXXX XXXX XXXX ; XXXX, XXXX XXXX on the XXXX day of XXXX, XXXX at XXXX A.M. in declaring that I owe {$620.00} plus {$81.00} in court costs. 
I have really been stressed out because now I have to miss work and attend a court proceeding in which I have contacted these debt collectors and in their responses back to me, not one debt collector stated that they were filing a lawsuit and that I need to respond to it. 

As a result of receiving the 2 summons, Summons # 1 was left on my doorstep for everyone or anyone who walked by my apartment that day ( defamation of character ). I have video showing where the person left it. There was no business card or anything, so I don't know who could've put it there. Summons # 2 was in my mail box on the day of XX/XX/XXXX. It was opened in my mailbox and appeared that the envelope was never sealed. And I am confused and frustrated because I am being contacted by a law firm ( XXXX XXXX XXXX XXXX ) that initially stated that they were a debt collector and now that same debt collector/law firm is representing XXXX XXXX XXXX XXXX XXXX court proceeding.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-24
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. (MI)

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

nelnet / XXXX XXXX account XXXX $ XXXX XXXX XXXX is the cfo this acct is on my reoprts and need to be updated as paid in full and updated per law 12 usc 1813 as soon as possible
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

STRESS=STRESS 1 ) Loan No. do not recognized 2 ) Property taxes on home incorrect were paid and not with loan.

3 ) loan Amortization Schedule wrong.

4 ) IRS 1098 incorrect.

5 ) unable to talk or speak to knowable people.

6 ) Trust in company personnel
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

The court of XXXX XXXX XXXX  ruled that support of this false debt should be provided, also I sent an emailed request to company Midland Credit Management advising this Is not my debt please provide any documentation showing it was. I received multiple harassing calls, I was never served a subpoena and never received any documentation of what is the origin of this debt with XXXX. I'm at a loss they want to garnish me in amount of {$2200.00} for fraud charges.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2022-04-14
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. (FL)

In accordance with the Fair Credit Reporting act there a accounts attached that have violat

ed 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 a account without my w
ritten consent.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

Received a toll violation bill from XXXX  XXXX XXXX and Toll for a vehicle driving in the HOV lane. The vehicle had been sold more than a month previous to the violation. Photo of the vehicle showed " temporary tags ''. I presented including a bill of sale of the vehicle for more than a month prior to the toll violation. After several months and sending documentation approximately 8 times was told the violation was resolved and that notification would be sent to their collections company, Professional Accounts management to remove the debt. On XX/XX/XXXX, received notice that the debt would be removed in 3-5 days. It has still not been removed nearly 3 months later and neither company will respond to written requests to remove the violation and debt.
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (TX)

My home was included in my bankruptcy in XXXX, and discharged in XXXX. Indymac bank, the original mortgage holder has still not foreclosed on my home and this is keeping me from purchasing a new home. The home is at XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (AL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumerreporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-13
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX  XXXX XXXX {$850.00} BXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (OH)

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 2021-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (TX)

I opened an account with Etoro on XX/XX/2021 and invested {$1000.00} in XXXX after filling out my W9 and linking my bank account. I purchased at .6199 and .7293 not on a stop loss. XXXX went down a bit and I wanted to hold it until it came back up maybe up to a year or two- long term no big deal. I logged into my account Tuesday after XXXX XXXX as I always do on weekdays before I start work. I was trying to look at my portfolio only to see I had no active moving markets or any profit to loss margins showing. I messaged EToro letting them know there was an issue with the app and received an email back from XXXX stating I had closed my two positions at XXXX my time on XXXX XXXX causing a loss of over {$580.00}. I utilized one device and only the app for EToro and EToro is telling me I signed in from XXXX IPs and was using XXXX which is not true. I have asked to verify the IPs or the devices and they are refusing. I looked through my emails and found two time stamped that Sunday at XXXX my time stating I had closed my positions at XXXX that same day ( 7 hours ahead of the actual transaction ). I did not close my positions and looking at their reviews they have a habit of doing this and stealing people 's money. They state they will only work with law enforcement to reveal the IPs used. Please, I need help, I have been scammed by EToro. Nothing adds up and I was no where near my phone that evening nor do I use XXXX on my cell or have two IPs