davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/20 made a purchase of foodstuff at XXXX XXXX of XXXX and the goods were old and inedible. 

Merchant refused to exchange or make good, called the credit card, and was met with a refusal, as the charge was temporary, however they said they will follow up. 

Have tried several times contacting credit card to dispute charges, after being on hold for the " Dispute Dept '' calls get disconnected ... ..kind of a conspiracy. 

Disputing {$79.00} which came on statement at end of XX/XX/XXXX. 

Another issue is the reward program. 

According their schedule is basic rewards for all charges, double rewards for supermarkets and similar, and triple rewards for any dining facilities. 

In the past year they have failed miserably to post properly, their internal investigation is not existent, although they may say, that they will investigate and send a XXXX sheet, its a big bluff.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}
Consumer complaint received 2020-09-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR XXXX et seq.. 

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A. 

I have repeatedly complained to this agency, and repeatedly complained to PHH as  the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' ) that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : F-34006-09 declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( 2 ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation. 

Furthermore, PHH and / or its agents are willfully failing to acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ). 

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I previously disputed a charge on XXXX XXXX  for {$1000.00} on XX/XX/17 with Capital One and asked Capital One to block the charges so that no future charges come through from that merchant.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

IDENTITY THEFT Hello, I am new XXXX XXXX XXXX XXXX XXXX XXXX in the United States. As I am currently applying for a job, I applied for a checking account in Capital One Bank and this was later on closed. I opened a deposit account in XXXX XXXX XXXX on the XXXX of XX/XX/2022 and it was also closed. The reason given : " based in whole or in part on information obtained from the consumer reporting agencies '', XXXX XXXX XXXX XXXX XXXX. and XXXX, I have a deposit account score of XXXX. 
On the contrary, I have no deposit account history in the United States. 
Therefore someone should be using my identity in the USA. 
I am calling for an immediate investigation into this matter. 
Thank you.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have unauthorized charges from Huntington Bank and XXXXXXXX XXXX XXXX I provided a document about the unauthorized pending charge from Hunting Bank below. There's a pending charge from XXXX 's on my checking account. The XXXXXXXX XXXX XXXX  credit card unauthorized pending charge is from a " XXXX '' in XXXX Texas for {$25.00} without a date. I spoke to a representative from XXXX XXXXXXXX XXXX about the issue and couldn't get the problem resolved. Also, XXXX XXXX XXXX suspended my account so I couldn't take a screenshot of the transaction.
Consumer complaint received 2023-05-26
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XX/XX/2022
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (IL)

On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both XXXX, and TransUnion consumers reporting agency. I am a victim of XXXX and TransUnion data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried to resolve a MAJOR issue with Capital one yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an XXXX loan to save XXXX XXXX, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with XXXX and XXXX. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

i sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX  ending in XXXX 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.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2022-11-07
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: TD BANK US HOLDING COMPANY (NY)

I have recently received three alerts over the past 4-5 day from my identity theft protection company saying that accounts have been opened in my name with the creditor TD XXXX. I called the creditor on XX/XX/22 explaining the situation and they were going to freeze the accounts pending investigation. I received another alert today, XXXX/XXXX/22, saying another account was opened. I call TD XXXX  again and they couldn't find any other accounts matching my personal information. I have since put a fraud alert on my accounts with all three credit bureaus, and am planning on putting a credit freeze on them.
Consumer complaint received 2022-11-07
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 the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1981XXXX 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 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 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, 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 inaccurat
Consumer complaint received 2020-09-29
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. (NC)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-09-29
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. (TX)

I have called experian and XXXX  XXXX multiple times. I have put in a fraud alert. I have reported it to identity theft.gov. I cant even log into experian because my mother made an account and opened fraudulent accounts. I have done everything i can starting XX/XX/20 nothing has happened.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MD)

Someone has used my identity with my social security in Georgia. The next thing I receive a XXXX account owing monetary. I never had an account with cable company. The credit wise had given me a name and information on person whos using my social security. I have never resided in Georgia and I never opened a XXXX account the original owners. The account was sold to a XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (UT)

XX/XX/year> is when I went to XXXX XXXX XXXX to begin my medical process. My medical/dental procedure and plan was organized by XXXX XXXX XXXX with a Lifetime XXXX  Guarantee. XXXX filed for bankruptcy XX/XX/year> and no longer provides services. I was medically abandoned. Healthcare Finance Direct has been trying to collect payment for my account for a service that NO longer exists. I've paid {$690.00} to XXXX XXXX XXXX and Healthcare Finance Direct in total. 

A similar company called XXXX XXXX XXXX Retainers contacted me via text as they were 'partnering ' with XXXX  XXXX XXXX to offer me retainers with my medical history on file. I believe this is another manner which these companies are attempting to collect payments for promised services they no longer provide.
Consumer complaint received 2020-08-11
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. (AR)

While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I stopped being able to access my citibank account since 3-4 days ago. I called citibank and they said they will need to verify my information. I gave them all information correctly but they said that " the phone number i'm calling is not verifiable '', and immediately hang up. I didn't even get the chance to ask what should be alternative options to verify my identity and get back my access to my account. I'm clearly calling from the phone number on file, and they also acknowledged it, but they hang up immediately.
Consumer complaint received 2024-04-19
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: CORELOGIC INC (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Inquiry I have no knowledge of Inquiries that occurred on my consumerreport. I want these Inquiries deleted from my consumer report immediately. 
Thankyou
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Hi, I have tried countless times to dispute the issue with XXXX, XXXX and XXXX pertaining to the incorrect stated amounts owed to XXXX XXXX XXXX. Each time my claim has been returned as confirmed, which is incorrect in a few ways. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to XXXX XXXX XXXX LVNV Funding LLC is not licensed in the state of New York. On that data point alone any and all claims and/or attempt to collect debt from anyone in New York should be taken as a violation of the consumer finance law and an attempt to commit an unlawful act. Cases in question are : 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 
All aforementioned companies has charged off 100 % of all the debt above.