davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Modlin Slinsky, P.A. (FL)

On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the Seventeenth Judicial Circuit in and for XXXX XXXX XXXX FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX Modlin and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from Modlin and Associates at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (MS)

i notice on my credit report on XX/XX/2021 that PARAGON REVENUE GROUP had some negative items reporting that i dont owe or have no business with. they are reporting 9 alleged debts of : {>= $1,000,000}, and XXXX. I don't know where these debts come from and they are ruining my credit and keeping me from getting thing plus causing me XXXX and XXXX  from not getting anything with my credit.
Consumer complaint received 2021-03-09
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. (FL)

Experian refused to remove a collection and late statement made by XXXX after I submitted PROOF that XXXX did NOT provide the service as agreed. I was unable to get basic XXXX cellphone service in my HOME, despite numerous complaints to XXXX they were UNABLE to provide service. Experian is reporting FALSE information about my account with XXXX. Experian is taking the word of XXXX, despite the proof that I provided. I have NO problems in my home cellphone service with XXXX. Therefore, the information should be REMOVED from my Experian credit report!
Consumer complaint received 2021-03-09
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. (SC)

A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Equifax credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.
Consumer complaint received 2024-03-04
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-09
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: AMERICAN EXPRESS COMPANY (FL)

I am writing to AMEX agency. I received an inactive card and do not want to reissue it. I am kindly requesting AMEX agency to remove this account from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-03-09
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: GLOBAL PAYMENTS DIRECT INC. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXXXXXXXXXX XXXX - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My debit card was stolen on XX/XX/2023. I found out that it was stolen the morning of XX/XX/2023 ( along with my vehicle and I have a police report confirming this and that my wallet was also stolen as it was inside my vehicle ) and called Wells Fargo immediately to report that my card had been stolen and used. I reported the fraudulent and unauthorized transactions. 10 days later, Wells Fargo notified me that I would be responsible for the unauthorized transactions. This is clearly unfair, unsafe, and unsound banking practice, as I trusted my bank to protect me against fraud and their investigation is clearly flawed as my debit card was stolen and I did not the authorize transactions that I reported to Wells Fargo as fraudulent.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was CAPITAL ONE BANK USA customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " '' goodwill '' '' adjustment to your reporting to the three credit agencies. I have late payments on the account XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment due to covid-19 pandemic from my credit report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax, XXXX, & XXXX has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
Thank you.
Consumer complaint received 2023-02-10
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. (OH)

XXXX XXXX  XX/XX/XXXX payment history wrong XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau
Consumer complaint received 2021-02-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation (NY)

i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC., location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They failed to disclose documents relevant to the credit transaction. A consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges, i was not expecting to pay the payments they have me paying.
Consumer complaint received 2021-03-09
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. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

I was scammed in a rental scam. The guy had assumed someone elses identity and proposed renting a house to me. I sent {$1000.00} for deposit via XXXX. Then the next day the guy wanted more. Then I knew I had been duped. I immediately sent to US bank fraud department. They stated the transaction was legitimate and will not refund my money. Transaction occurred on XX/XX/21. US bank would not send me records of their investigation. They just said in a letter that transaction was legitimate and not refunding money. I called fraud again and they will not send me information about investigation. 

I attached some screen shots. He had me fill out application sent via email. The XXXX account he created I. The fake identity wifes name. He had a lot of information on the identity he stole.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On or about XX/XX/2021 someone stole {$800.00} ( XXXX and {$300.00} ) from my checking account using 2 separate ATM machines/locations. On XX/XX/XXXX ( a Saturday ) I noticed my account was emptied when I tried to check out at a store and a nominal amount would not go through. I quickly checked my account on my phone and saw these two ATM withdrawals that I DID NOT DO. It should be noted that I have never withdrawn funds from my account via ATM 's for the entire time, almost 5 years, I've been a customer of TD Bank. I only occasionally would get {$20.00} cash back from my grocery shopping. This is easily checked by them. I have NEVER given my card to anyone else to use. I called TD 's bank fraud hotline wherein they told me to follow up in person on Monday, which I did. I went in person to a TD Bank branch near me an reported this theft. They closed that card and gave me a new temporary card. The bank officer told me I'd need to file a police report and bring back a copy and she would submit it to their fraud department. I did that and emailed and hand delivered the police report on XX/XX/2021. XX/XX/XXXX I returned to the bank to inquire about my funds and theft and the bank officer said it was DENIED. She resubmitted the report of theft along with the police report. On XX/XX/XXXX I sent a follow up letter about this theft and the fact that they did not credit me my stolen funds. On XX/XX/XXXX I submitted another letter via email and hand delivered copies of my letter about this theft. I kept checking my account for the return of my stolen funds, They do not acknowledge my emails/ letters and treat me as a nuisance and a criminal when I go in person. I AM THE VICTIM. I am a student this was every cent I had. They still have not credited me back my stolen money nor did they do a genuine investigation. They refuse to bring up/obtain the videos of the thief who stole my money. They have no email nor any personnel listed for a fraud/theft department on line ; this is unethical. They have not credited me back my funds I was advised that this is a violation of Banking Regulation E and I have subsequently filed a complaint with the FDIC.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I want t express my frustration on working on a Loan Modification request with Select Portfolio. Not only did they make the situation matter more complicated, they made it worst. It all started when I requested a Loan Modification back in XX/XX/2015. More than 4 years ago, I requested a loan modification on my house because I was experiencing an extreme hardship. My wife of many years and I encounter some life problems which resulted in her leaving me and a divorce. Through out this process, I became very ill and had an XXXX XXXX. My emotions were all over the place and I had a XXXX XXXX. Due to my XXXX XXXX, I was not myself and was considered XXXX. My family locked me up in a XXXX XXXX for a couple of years until I became better again. I have all documentation pertaining to the XXXX XXXX I had and also being in a XXXX XXXX  due to my XXXX  XXXX. This cause me a huge breakdown in my life because I was not able to work, and my expenses for the house kept increasing. I apologize the debt has become this large but its due to my XXXX  state, like I said I have all needed information to proof you of my hardship. Once I was out of the institution, my life started to get together slowly by the use of family members. They helped me at the beginning by providing me financially until I can get to my feet and start a life again, that was destroyed by my previous marriage. 
After all my financial situation was getting better, I decided to look for help from SPS to come clean and start making payments. 
Throughout the process of the loan modification, the bank kept bringing up my previous review. They kept requesting information from a loan modification that started 3 years ago. I kept telling them me and my wife were not together anymore, and they still wanted her finances, shes not even part of this loan, and nowhere near my life, I believe I was getting bullied by them or in a way they just wanted to make fun of me and I did not appreciate any of the gestures. Once it became clear after a couple of months, they denied my loan modification due to not enough income to support a loan modification, but approved me for a Repayment Plan. The Loan Modification was based on a payment of {$2800.00} which included the escrow. The Repayment Plan was for {$5400.00} on a monthly basis. I called this XXXX and excuse my language. I can not qualify for {$2800.00} but I qualify for {$5400.00} which is insane. I know this bank has been after my property because it possesses a great market value. I know they are doing this on purpose to take ownership of my house. Im scared of the sales date. I tried to re modify again and they said no, just sell the house or we would foreclosure. Please help me with a Loan Modification, it is neither my fault I had a XXXX XXXX  XXXX  that caused me to be hospitalized and cause me my hardship. I just want my house, please stop the foreclosure until we can finalize a review.
Consumer complaint received 2017-07-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (IL)

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. 

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 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 2021-03-09
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: FactorTrust, Inc. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX