davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (PA)

In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

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 2021-04-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got a text from someone that looked exactly like a BOA text stting that my ckg acct had been compromised in XXXX and that someone was trying to charge 1200+ from my checking account. He said that I need to go into my checking account using XXXX to have the money restored. I asked him 2x if he worked for bank of America and he said yes twice an told me that I coui ld go online to ck his credentials. The XXXX was sent to my phone number ( I thought ) but I saw that money was being depleted from my ckg account. He told me that it will show up in my acct. He then sent another text saying that more money was being taken out of my acct. Finaly i hung up and called my bank who told me there was nothing they could do about it because using XXXX was like handing cash over to someone. I feel so stupid and violated. XXXX is on every banking platform, yet the banks offer no protection to its customers when fraud is perpetrated. Banks should either remove XXXX from their site, or at least cover THEIR CUSTOMERS when they are violated.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX I attempted to make payment for my Neiman Marcus credit card account which is through Capital One. The payment due date is the XXXX. The system would not allow me to select the XXXX offering only the XXXX as the earliest payment date. I made the payment and received a confirmation email ( included ) on the XXXX. Upon receiving my XXXX invoice of course these scumbags are showing a " late payment '' with a " late '' fee and interest. Why would I intentionally give this crooked creditor any chance to charge me bogus fees and interest? When their system will not allow someone to select what should be the correct and available payment date how is this okay or legal?? This is the second time in less than one year I've had to file a complaint against Capital One, the last time their customer service led me on when I tried to resolve the issue through them so I won't be bothered to go that route again.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX, Transunion, and XXXX are reporting information that I have not given them permission to.

According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING XXXX, TRANSUNION, AND XXXX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I have been denied a checking account by XXXX separate banks based on not being able to pass a Chex System inquiry. 
The banks all state that they have no control and can not override policy of opening an account without being able to pass Chex systems. They all three referred me to Chex System for resolution. 
I can not open an account solely based on Chex Systems. I had provided to the bank all other verification documents to the bank per their policy. Drivers license, SS card, proof of residency. 
I called Chex Systems and was directed to obtain first the online report. This report was clear, showing no information to report. There was nothing on it derogatory. Chex system told me that they dont make the decision the bank does, the bank says they cant open the account because of reporting theyve received from Chex Systems . I showed the clear report to each bank, each of them saying it was out of their control as long as Chex Systems continued to report me. 
I am offered no way forward, no way to correct or remedy it. I am just stuck in limbo and no one cares at all at either the bank or Chex Systems. 
How am I supposed to move forward and obtain a checking account. 
Chex Systems offered me an absurd explanation that because the banks had inquired to Chex Systems that their own inquiry perhaps disqualified me from an account within that same bank. 
Chex systems refuses to take ownership of the harm they are causing me by preventing me from opening a checking account or offering me any way to resolve the matter.
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Burr & Reid, LLP (NY)

Hello, I have received my first notice about the debt collection. I responded to the letter by making a {$300.00} payment immediately. I followed with another payment of {$200.00}. Then another payment of {$200.00}. I was left with a {$500.00} balance out of {$1100.00}. When I received a notice for it, I immediately paid {$250.00} over the website. And for the remaining balance, I called the collection agency to pay over the phone. I was never notified may account was reported and when I found out I requested my report to be removed and deleted from my credit report because it damaged my credit tremendously by a negative of 100 FICO score. I was told they do not report to the credit bureaus, it is on a regular schedule. I asked do you guys report start or end of the month? I was not given a definite answer. After payment my balance I did not feel reassured my collections account would be deleted on my credit report. Now here I am with a paid off balance. The collection account was reported on XX/XX/XXXX, instead of XX/XX/XXXX when it was originatelly dated. I want this account removed from my credit report. If they are unsuccessful, I will dispute a fraud chargeback with my bank account immediately, which was used to pay for the XXXX
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (VA)

We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back in XXXX.
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18. 

1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.

2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.

CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''. 

I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been denied credit because the creditor can not access my Equifax credit report and score. The creditors were able to obtain my XXXX  and XXXX files with no issue. I have contacted Equifax on several occasions over the phone to resolve this issue. I am in the midst of a home acquisition process, and the mortgage officer needs the 3 credit scores to proceed the home loan approval. So, TIME IS OF THE ESSENCE. 

This problem started in early XX/XX/2019 when I initially tried to pull my Equifax report from XXXX. The website asked me security questions totally unrelated to my credit history ( loans that I never had ), and afterward informed they were unable to access my file. So, I tried to pay and pull my credit file directly from Equifax website, with no success ( had the same identity verification issue ). So, I decided to call Equifax Global Customer Care ( XXXX ), which requested me to e-mail ( XXXX ) a cover letter with personal data, copy of DL and SSN in order to verify my identity, which I promptly did on XX/XX/2019, XX/XX/2019 and XX/XX/2019 and ( Case # XXXX, Case # XXXX, Case # XXXX ). 

A couple of days later after many back and forth e-mails and getting no response, I called the CSR back again, and I was advised that I should MAIL or FAX, and E-MAIL was not acceptable ( which made me wonder why the customer rep requested me to email the docs in first place ).

Again, I promptly did and faxed Equifax my DL, SSN and other personal data ( DOB, address, phone number ) on XX/XX/2019. Equifax mailed a confirmation letter # XXXX on XX/XX/2019 acknowledging the receipt of the cover letter and informing my credit file was updated with the information I provided. 
At that point, I thought the issue was resolved, but after a couple of weeks, I tried to pull the report with no success. For the 3rd time, I called the Global Customer Care on XX/XX/2019. The customer rep informed they received my cover letter, but my credit report was still unavailable (???? ), and to make things worse, the CSR requested me to mail AGAIN a cover letter! 

I did it again on XX/XX/2019. This time I attached several bills ( gas, electricity, water, internet, credit card, mobile ) with variations of my Last Name. I wonder if this issue is because as I have 3 last names ( FirstName Middle1 Middle2 Suffix ) and Equifax report only considers 1 last name ( FirstName Middle1 ), while XXXX  and XXXX  consider my all 3 last names.

So, I am being diligent and taking all types of actions on my side to resolve this issue as quick as possible. I am tired of sending them letters, personal documents and nothing seems to move.

Please help!
Consumer complaint received 2020-11-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I applied for an advance in my employment. When i received the information, my name appeared with a name I have never used. And the use of my name was incomplete on this portion of the report. I have a good idea who is behind this problem. I would like for this information to be considered for fraud. Please contact me for more information at XXXX. 
Just want this expunged so I can proceed with my life, and advance in my current employment. The report was run on XX/XX/2018 Thank you for your time in this matter XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tulsa Adjustment Bureau (TX)

XX/XX/2019 I received a collections account from XXXX XXXX  for " XXXX XXXX XXXX XXXX. XXXX for the amount of {$810.00}. I have no knowledge of this practice or doctor as I have never seen them before. I have tried to dispute it several times through XXXX and XXXX XXXX but have failed to have it removed. I have reported it as fraud and identity theft. I have also contacted XXXX XXXX and sent in for a dispute with them as well. When calling the number for " XXXX XXXX XXXX XXXX. XXXX '' you hear what sounds to be a child saying if you're calling for the doctor this is no longer their number and to leave a message. There are also numerous reviews on XXXX and the XXXX reporting the same fraud issues.
Consumer complaint received 2021-06-26
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. (TN)

An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Complainant : XXXX XXXX XXXX Secured Party Creditor : XXXX Filing Number : XXXX Respondent : Goldman Saacs XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under XXXX Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name.

Goldman Saacs continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code.

Relief Sought : I hereby demand that Goldman Saacs immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I paid {$10.00} to set up an account with Experian in 2007. I was a victim of Identity Theft, so I wanted to do a Freeze on my account. But of course I occasionally need to open the freeze for legitimate credit needs, but Experian has repeatedly denied access to my account. Further, they refuse to accept my own date of birth or Social Security number as authentic log in information. Further, they have no real way to contact a PERSON for assistance with these problems. 

I PAID for this account. They are obviously required to communicate with me, and provide a way to resolve log in issues.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

This complain is regarding the handling of insurance funds by mortgage company Mr Copper. 

Starting XXXX of 2020 we had to initiated an isurance claim due to water damage for property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX As per their requirements checks from the insurance company were submitted to Mr Copper and since then it has been close to impossible to complete repairs as funds are not being returned ... 

I have gotten in the habit of having to call them directly on the phone just to get my claim moving within their system. I have been given conflicting information every time that I call and 0 solutions I habe had to take out a personal loan to cover expenses and repairs given the lack of transparency and diligent work from the insurance and claims department at Mr Copper. 

In the middle of a pandemic a multibillion dollar company like Mr Copper should not be so reckless with other peoples ' money as it may not be an issue for them but its life changing for individuals and families They have lost a check even after I have sent them prepaid overnight envolopes for them to return them to me I can only conclude that there must be some type of restrictions being placed on me, whether it is because of my heritage and background being XXXX or my name being XXXX .... 

Given their lack of proper responses I fell obligated to present this complain as it is obvios that they do not care one bit about their customers