davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I generated the credit report and I realized that they are charging me a credit card that I never processed. I went to the bank and they tell me that for the time they can no longer do anything that I have to call the company that bought the debt. 

The bank where the credit card is from is Capital One and now where the debt is is XXXX XXXX XXXX for an amount of {$520.00}, which I do not know where it was used and who processed this card on the date it was processed XX/XX/2020 I hope you can help me since I have spoken with them and they only tell me that I have to pay it. I don't know if I should report it to you or to someone else.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates (NJ)

I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. 
Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX on XXXX separates dates are reporting an inquire on my Transunion and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX United Auto Credit Co has violated my rights. 

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 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 any purpose.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/XXXX, I noticed approximately over {$870.00} unauthorized charges on my online account tracking the purchases on this American Express gift card. My wife and I were married in XX/XX/XXXX and received this gift card as a wedding gift. 

Upon noticing the unauthorized charges, I called Amex Gift card customer support at XXXX. I went through with them the charges that I did not place. The card was always in my possession. 

They required I wait 45 days for this issue to be researched. I waited and got back in touch and said they were going to send me a replacement gift card. They emailed me with the last 5 digits or so of the gift card that was supposedly mailed to me. It never arrived. Then I called back asking re : the status of the gift card that was to be sent. The XXXX Customer Service, I guess an American Express contractor, stated they were going to send a check. I received a check for {$3.00}. I have not cashed as I am waiting my full credit to be returned to this out of pocket pre-paid gift that I received as a wedding gift. 

I can provide additional e-mail correspondence if needed.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am seeking remedy and compensation for my previous home at XXXX XXXX XXXX XXXX, FL. XXXX, from Wells Fargo {$2.00} XXXX dollar settlement under Consumer Financial Protection Bureau. 

I had applied for a loan modification for my home with XXXX XXXX XXXX and Wells Fargo Bank and was denied. My attorney filed a complaint with Consumer Financial Protection Bureau, which is the attachment provided. I am a consumer that was harmed by Wells Fargo Bank for illegal activity and wrongful foreclosure of an auction sale of my previous property on XX/XX/2019. 

Please review my compliant, because I think I am eligible for a payment in the settlement.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a home with Wells Fargo around XXXX and in XXXX I asked for a loan modification due to the increase in payment and was never contacted back and denied so I had to get out of my home. Prior to this I had never missed a payment or anything.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Dolliemac, LLC dba Elite Document Management Solutions (KY)

I have been with Elite DMS for the past 4 years. Their mission was to take my credit card debt, dispute them and get the credit card companies to settle for a less amount than what I owed. I have paid XXXX a month for all this time and they have yet to settle them and some I have that I have had to pay out myself to keep from having judgment put against us. I have paid out XXXX dollars to this company and still no results.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (MI)

Any and all of my medical debts are in current litigation. My attorney is XXXX XXXX of XXXX XXXX  XXXX. I dont have the dates I contacted RMP Services or names but I have pleaded them to remove this debt due to litigation. 

Im trying my best to improve my credit so I can move and these medical bills are gendering my ability to move. 

Id appreciate any assistance.
Consumer complaint received 2015-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC (ME)

Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.
Consumer complaint received 2022-08-08
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-14
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. (VA)

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 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 2023-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (OH)

They one called me why i was at work and broke the law there.Frequent and repeted phone calls even thought they were informed by me in person over the phone what they were trying to collect was not owed to them as such they where told not to contact me and remove every thing they put in my credit report realted to a indeogo credit card I had no knollage of. they failded to head the complaint filed here against them and my fees for every phone call they make to me wether i pick up or not. the amount they owe me is now 3 times what they say I owe them and what they owe me. They received my complaint. they have not produced the doucements because I singed no documents. they were informed more than one time and in more than one way not to call me
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 1681.

has violated my rights. Or a list of inquiries : 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 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

In XX/XX/2021 I reached out via letter to XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Consumer complaint received 2021-06-29
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. (NC)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 49 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (CT)

I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (OH)

I have made several complaints about PHH Mortgage they act like they are trying to help us when you contact them and then they set repayments to high to be able to complete I had a affordable re payment plant last year I made the I goal down payment and made the scheduled payments and I. XXXX my act was hacked and I did not catch it it caused a payment to be returned to them and without contacting me or giving me a chance to replace they payment they cancelled the arrangement and started foreclosure proceedings I finally got ahold of a manger who gave me 12 days to come up with {$8100.00} I begged for more time or something more affordable I tried to get money out of my XXXX but couldnt do it fast enough so now Im back to trying to work with them they refuse payments unless I pay the entire amount was contacted last week and was told they wanted to send me a re in statement quote and by doing so this would put the foreclosure on hold that did not happen I received papers from lawyer today I called and asked why and was told I was not told that and if I was their employee was incorrect they refuse to let me talk t lo a manager I just want help to stay In My home so Im not homeless in this economy and inflation we all need help I want to pay my house payment Im willing to pay extra monthly a payment and a half or 2 payments you would think they would want to help me instead of taking my home any help you can provide us would be greatly appreciated
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

XXXX 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (LA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (FL)

The department of education has breached the contract I had with them. NELNET gained access to my personal information. NELNET has presented itself as a government agency. NELNET is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with NELNET. Their dispute is with the federal agency who they entered into a contract with.
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC (CA)

They continue to misdial phone numbers at my work and talking to my coworkers about the call. They call my wife ego has to step out of her classroom and now my mother who is ill. I told them to contact me in writing.