davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (WA)

We have asked this company several times not to call our phone numbers and to put us on do not call status. They continue to call even though we have asked for XXXX. We have setup a payment via ACH and they still call. This is harassment per FDCPA as they did not adhere to our convenient calling preferences. I want to complain about their adherence to FDCPA and TCPA violations because they should be able to take verbal request to stop calling because these are cell phones.
Consumer complaint received 2022-07-07
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: AMERICAN EXPRESS COMPANY (TN)

American Express was notified about charges on the account after my card was compromised by a associate of a mutual friend took possession of the card and during the time in I became of aware that the card had been compromised, about 2 hours from the time it was taken, I took steps to lock the card and immediately notify the bank. The bank on the initial three calls made to secure the account, failed to authenticate me due to my inability to verify the numbers on the card ; by this time i could not access the online Card account. Eventually, after the request for an escalation, I was able to secure the card and have a new card mailed. During the transit time of the replacement card I was unable to access any information in regards to the account, but deductions and transactions was allowed on the account, and after I received the card I called to file a dispute which the account specialist did not allow due the the amounts being in pending status. Now, I have amongst the charges already conveyed to the institute on the account there is a significant amount of other charges that are now on the account and the bank has not acted on any of my request that would refund, compensate, or provide relief of the transactions which had now caused hardships effecting the budgeting of my fixed income from government issued benefits that are deposited into the account monthly.
Consumer complaint received 2017-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.
Consumer complaint received 2022-07-07
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: JPMORGAN CHASE & CO. (TX)

Received a text message that activity on my Chase card in XXXX Texas. It was a scam text message and I foolishly gave information. Want to make sure my identity is not used.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (WI)

Both XXXX and XXXX are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on XXXX they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
Consumer complaint received 2022-12-03
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. (AL)

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (AL)

KONDAUR CAPITAL CORP, is attempting to foreclosure on my property with a fraudulent robo signed document. I have requested that XXXX XXXX XXXX XXXX, XXXX, as Trustee of XXXX XXXX XXXX XXXX no longer sign as Attorney in fact for us. It is unconstitutional for my rights to be waived, for I am entitled due process of law. They are going to foreclosure on my home on the courthouse steps without responding to the QWR, debt validation letter, or the proof of claim in which was submitted. I am disputing this debt because we do not owe this amount, nor do we have any contract to with neither Kondaur Capital or XXXX XXXX.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IL)

I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

Both XXXX and equifax are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX  removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on equifax they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
Consumer complaint received 2022-12-03
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. (RI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-15
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

Name : XXXX XXXX On XX/XX/XXXX I signed a big bundle of FHA mortgage documents with Compass bank including loan estimate.
The loan estimate was date
d to XX/XX/XXXX The interest rate estimate was 4.15 % Th
en, a week after I received a bundle of documents from Compass showing the interest has increased drastically to 5.75 %.
This loan estimate dated XX/XX/XXXX- only six days after the issuing of the previous estimate.
I have copies of the loan estimates and will give you upon request. I do n't believe that the federal bank has increased the rate in that week and definitely not in such a high manner, so I do n't understand why they quote me a bait interest rate and then change that on me drastically. Compass is taking advantage of my need to close soon on this property and the fact that I already invested time and money including the appraiser cost. This is a violation of the truth in lending act. . The contact number of the first loan officer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX there is a second loan officer as well. Her name is XXXX XXXX phone : XXXX I need you please to advise me / contact the bank ASAP because we are about to close on the loan. Thanks a lot, XXXX XXXX
Consumer complaint received 2015-05-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (IN)

I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (SC)

Discover close my account on this XXXX. I have XXXX cash back and redeemed as staples gift cards. However, I did't receive XXXX dollars gift card and contacted discover on XXXX. The agent told me it need to take 6-8 weeks to investigate. Ok and then I wait and contacted them lately ( more than two months ). The agent just told me they wont replace it and XXXX specialist would contact me in 24 hours. Unfortunately, no one contact me again until I called back. Told me discover made a decision and not replace that to me. I see a bad customer attitude company here and I wan na everyone know how discover treat this customer. I requested to have my XXXX staples gift card back.
Consumer complaint received 2017-07-04
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: CORELOGIC INC (WA)

A  XXXX  mistakenly ran my credit with out asking for my approval first. I spoke with  XXXX   XXXX  about getting the inquiry removed and she agreed informing credco to remove for all credit reports.   XXXX  I have letters and documents that back this up. This was done  XXXX   XXXX     2017  and it 's still on my credit.   XXXX  I called credco and have a letter saying they will remove it but its still on my credit report. They ca n't seem to help me when I move. This is more of  XXXX    XXXX   fault,
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC Section 1681 states i have the right to the privacy 15 USC 1681 section 604 A section 2 : it also states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

15 USC 1681 section 602 A. states : I have the right to privacy.

15 USC 1681 section 602 A Section 2 states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) states : no consumer reporting agency may make any consumer report containing 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 USC 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 2022-03-22
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. (DE)

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 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 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waterfall Revenue Group (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-07-07
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. (DC)

I sent a letter to Equifax to REMOVED unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2022-10-12
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MiraMed Revenue Group LLC (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-07-07
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. (NC)

Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and XXXX