davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

The dates go back months - normally receiving calls that have a caller ID stating " XXXX '' with a phone number of XXXX. They usually do not leave any messages. The second number I listed is the phone line for my computer modem. One day I grew frustrated at the number of repeat calls and answered the modem phone - and they were asking for my Sister, who lives 300 miles away, outside of XXXX. We had not lived in the same house since we were children, nearly 40 years ago. I hung up on them. They then called my house phone, I answered and they admitted they were calling EVERY household in the State of Texas with our last name, even thought they CONFIRMED they had my Sister 's correct address and phone, and that they DID have a way to contact her, but they were seeking ways to harass any FAMILY members to get her to call. I did contact my Sister, and she contacted them. She found out it was about a disputed charge she had already RESOLVED with her local bank MANY months previous.

The calls have continued to MY home 300 miles away - but today they left a message, speaking to my answering machine addressing my SISTER as though MY phone was HERS.

I will be notifying her - but will you please contact the bill collector ( who is probably still calling all people with our last name around the state of Texas, as well ) and stop them? I already told them to stop calling back in XX/XX/XXXX.

The collection agent that is in violation who called today is " Specialist Right '' at ( XXXX  ) XXXX extension XXXX. I will be letting my Sister know so she can re-contact her bank yet again - but I do not have this company 's address so I could write them under the Fair Debt Collection Protection act and require they no longer contact ME. Please help.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (MO)

On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX  since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX  the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX  and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX   account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX  NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX  ''. XXXX  then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.

To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.
Consumer complaint received 2021-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have attempted since XX/XX/XXXX to refinance my HELOC with Bank of America. I learned in XX/XX/XXXX that they claimed they needed some additional documentation but did not contact me via email or in writing because they said I had a do not call on my account. This year, I got the same runaround and was jerked around in XXXX and XXXX of XXXX. I finally talked to a women at the bank who was not helpful, telling me that I had no equity in my home. I owe approximately $ XXXX on my first mortgage and $ XXXX on the XXXX. My house is worth at least $ XXXX. 
I am a XXXX old widow with only my XXXX  and XXXX income. I have no living relatives and do not want to lose my home. I have enough monthly income to pay my debts.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I FILE CHAPTER XXXX BANKRUPTCY ON JXX/XX/XXXX AND THIS ACCOUNT CAPITAL ONE AUTO FINANCE WAS INCLUDED AND DISCHARGE IN MY CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX DOCKET NUMBER XXXX. CAPITAL ONE AUTO FINANCE NEVER WENT BACK IN AND INCLUDED MY PAYMENT HISTORY IN MY BANKRUPTCY DISCHARGE. I WAS INFORMED BY XXXX   THAT THE CREDITOR NEVER UPDATED MY CREDIT REPORT. SINCE THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY MY PAYMENT HISTORY SHOULD NOT BE SHOWING ON MY CREDIT REPORT. SECOND I MADE A PAYMENT ON THIS DISCHARGE ACCOUNT FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX IT SHOWS A 30 DAYS LATENESS FOR XX/XX/XXXX. THERE SHOULD NO CHARGE OFF REPORTING ON THIS ACCOUNT AS I STATED BEFORE ANY PAYMENT NEGATIVE PAYMENT HISTORY IS DISCHARGE UNDER MY BANKRUPTCY
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FISERV INC. (HI)

Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (WA)

In 2018 I received an inflated bank statement from Citi Bank. At that time I was going through other legal proceedings and family situation. When I received the statement I called the bank to say that the amount did not reflect my spending ; the bank did not acknowledge my indication and stood by its numbers on the statement on the phone. I continued to pay my debt ( s ) with Citi Bank, since I had multiple accounts. I had an excellent credit history with them. They even gave me higher spending credit. Unfortunately, I didnt use the whole credit line, but their statement numbers say that I did. Citi Bank is currently suing me in District Court,  and without providing me with the statements for the year that the discrepancy happened. 
My credit line was XXXX dollars and I owed closer to XXXX dollars.
Consumer complaint received 2023-04-07
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.
Consumer complaint received 2021-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

My mother took out a credit card with Capital One in my name. It was not until her death XXXX XX/XX/XXXX XXXX, that I found out about this credit card. At the time of her death, the detective did a search of the house ( was being considered a homicide ) and he found a pocketbook of credit cards in my name in her room ; Capital One being one of them. I first reported this as fraud to Capital One back in the beginning of XXXX as that was when I first became aware of all the credit cards in my name. 

I have sent endless documents showing I did not open this credit card and is thus, fraud. 

I have sent the crime report that the detective wrote for me, yet, Capital One is still not deeming it as fraud. Attached, is a copy of the police report. 

I have submitted my leases to show that I was living in XXXX, TN from XXXX as the card was taken out in XXXX, NC in XXXX ( where my mother lived ). Despite the evidence illustrating that I was living out of state and that my mother took out the credit card, Capital One still refuses to deem it as fraud. Attached, are copies of those leases. 

Not only could they not give me a reason for why they were not deeming it as fraud, all they told me to do was " contact credit federal bureau ''. Very ambiguous and ill-informed explanation. 

Attached, are other credit cards XXXX found in the same pocketbook that was taken out in my name by my mother ) that deemed it as fraud. Yet, Capital One refuses to do so. These credit card companies that deemed it as fraud include XXXX, XXXX, XXXX XXXX and XXXX. Capital One still refuses to deem it as fraud. 

Attached, are my Chase Billing Statements to show I was not using the Capital One Card. On the Capital One Billing Statements, I have written down the name of the XXXX Billing Statement that corresponds to the same date. This, further shows I was not using the card.
Consumer complaint received 2023-04-07
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 below listed accounts are in violation of my federally protected rights and privacy under 15 USC 1681 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX 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 ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime, which add a date to 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 calls to believe that the information is in accurate.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on  my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX  newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I  decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her  authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. Thank you.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by [ Credit Bureau Name ]. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX  XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 Personal Information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Accounts : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX - XXXX Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NV)

In accordance with the fair debt collection practices act I requested from Chase bank who is reporting on all 3 credit  reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called XXXX XXXX a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to Chase bank that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from Chase bank concerning my request. I received a second letter from XXXX XXXX with a new offer to pay them {$480.00} to settle my debt with Chase Bank. Again I have no knowledge of this company ( XXXX XXXX ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. XXXX XXXX are not reporting on any of the three credit agencies. Also, Chase bank never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties  of Reporting agency. Since Chase is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from Chase.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (VA)

I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.
Consumer complaint received 2018-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MI)

Please help me with the short sale on my home I did try doing a modification and was turned down since than things have gotten worst with my Daughter at school and in this neighborhood. After my divorce and my wife left I am now a single farther and with all the expenses and my daughter having bad personal problems we can no longer afford to pay for the house or live in the neighborhood. I have tried selling the house but with all the house needs to be livable I dont have the money to make that happen Please help stop the sale so there is time to make this happen.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home. 
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income. 

Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX. 

This is ridiculous to me since its almost 1 year seeking help and still no results. 

Please help. 

XXXX XXXX
Consumer complaint received 2023-04-07
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. (CA)

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXXXXXX account number XXXX XXXX late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.