davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MT)

The company I work for has a corporate American Express account of which I am the primary contact for. Between XXXX and XXXX XXXX  XXXX on XX/XX/2022 I received 6 phone calls from ( XXXX ) XXXX. After ignoring the first 2 calls, I answered the 3rd call. An automated voice stated they were calling me ( by name ) in regards to my American Express card ending in XXXX and that fraudulent activity was detected. I was in the middle of another project and immediately hung up mid-recording. About an hour later I had completed the project I was working on and began investigating the call. I had thought it was odd I didn't get a text or email from AmEx regarding the suspected fraud. I logged into the AmEx account online and did not notice any suspicious activity. I then called the number on the back of my AmEx and spoke to a representative from the fraud department. It is worth noting, the number on the back of my AmEx did not match the number that called me. The fraud department rep stated there was no suspicious activity flagged on our account nor any notes on our account regarding a verified AmEx rep reaching out to me. I did provide the number that called me to the rep who did verify that it was the AmEx consumer number, which was fishy in and of itself because this a corporate card not personal. The fraud rep stated it was likely a fishing scam. Today, between XXXX XXXX  and XXXX XXXX  XXXX I received 18 calls from ( XXXX ) XXXX. I did not answer any of them. Not only is this an inappropriate credit card scam, but the frequency of the calls is harrassing in nature! That makes 24 calls is less than 24 hours!!
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX 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 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 2022-09-22
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: Experian Information Solutions Inc. (GA)

On XXXX XXXXXXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from XXXX XXXX XXXX. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected immediately
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX and XX/XX/XXXX money was taken out of our checking account to an. we contacted the bank they told us it was for the housing insurance because our insurance company dropped our coverage. We followed up several times with the bank and contacted the XXXX  department. We were told by the XXXX department they do not remove funds from your account but add any fees or charges to the end of your mortgage. In XXXX we decided to pay off our mortgage and found out that we had to pay an additional {$3100.00} in order to complete the mortgage. When we contacted the XXXX department and told them the full story they reiterated that they do not take the money out from your account but add it to the end and that is why we had to pay the extra {$3100.00}. Now when we contact the bank they tell us that they can not find out why or where the money went to. We've been on the phone and at the branch talking to every possible department. we sent information via fax and other documents to the main branch, at times they said they did not receive that information, And they had no further ability to help, and as of today they told us they are unable to help us., so this is why we decided to contact the FTC XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TransUnion, and XXXX are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am trying to complete an identity verification through XXXX for a job position and they tell me that they ask me questions from credit report pulled from Experian. Most of the questions asked I don't recognize the information and if i answer that its not related to me I get the answer wrong. I've tried to get Experian to give me a more detailed credit report so that I can be able to answer my identity verification questions better or if there is something on there that shouldn't be on there I need to be able to know what's on there because the employers is asking me questions to do the identity verification based off a credit report obtained from Experian. I've contacted Experian customer service several times in regards to this matter and they wont give me a more detailed credit report so that I can answer my identity verification or be able to identify if soemthing is on my report that shouldnt be. I am not able to complete my verification without that report.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

On XX/XX/XXXX, I submitted the second of two loss mitigation packages to Mr. Cooper f/k/a Nationstar Mortgage, showing that I had the income to qualify for a loan modification using 31 % of my gross monthly income. Despite my eligibility and financial qualifications for a loan modifications, Mr. Cooper issued a denial letter to me only six days later on XX/XX/XXXX, stating that XXXX XXXX XXXX, XXXX, the owner of my mortgage, does not allow loan modifications and therefore Mr. Cooper could not evaluate me for a loan modification. The XX/XX/XXXX letter constitute unfair and deceptive practices. This is because both statements referenced above are patently untrue and are made at my expense so that Mr. Cooper could unjustly enrich itself with foreclosure fees and XXXX XXXX XXXX, XXXX. could unjustly enrich itself with equity from my property. I know that XXXX XXXX does indeed offer loan modifications because 1 ) XXXX XXXX offers loan modifications in its Home Preservation Division and 2 ) it was required to do so under a settlement which Mr. Cooper reached with the Massachusetts Attorney Generals office which was recorded with the XXXX County Superior Court on XX/XX/XXXX. I have now submitted four loan modifications to Mr. Cooper and its predecessor, Nationstar mortgage, and am informed that I have an anticipated foreclosure on XX/XX/XXXX. I need the CFPB 's help to compel Mr. Cooper to approve my loan modification application. Please contact Mr. Cooper 's Office of the President and help me save my home.
Consumer complaint received 2022-07-22
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. (PA)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (TN)

XXXX XXXX XXXX XXXX XXXX promises and high pressure sales tactics to sell me a solar system in XX/XX/XXXX. The solar does not work. It has failed state inspection twice. The XXXX system is faulty. The solar company has closed down and filed bankruptcy. GoodLeap LLC is the lender who provided the loan. This company put a XXXX fixture XXXX attached to my home in XX/XX/XXXX. They refuse to take the panels back or release the Lien. They partnered with a dishonest solar company and refuse to assist me ( the customer ). I have filed XXXX XXXX XXXX due to this XXXX debt that I have been unjustly charged. The debt to GoodLeap was discharged on XX/XX/XXXX and GoodLeap is advising they will not pick the panels up nor will they release the Lien unless I pay the XXXX that was already discharged in bankruptcy.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (FL)

Everything started in XX/XX/2017, when I got a letter from Ideal Collections Services, who have been avoiding me ever since. I kept requesting a letter despite having documentation proving this debt is not owed. I raised a dispute with the organization before contacting the credit bureaus. which it was still not taken out. When I spoke to the manager, XXXX, she was quite rude to me and I told her that I had spoken to the original owners and that the bill had been paid, but that it had still appeared on my credit report and that of my roommate. Finally, we reached an understanding, and she suggested that I register for " Our Florida. '' a business that pays back rent ( for rent I do not owe ) I consented to this so that I could cross it off my report. I applied, waited more than three months, and was then informed that tenants whose rent is in collections are not reimbursed or credited the debt. I was deceived and told lies. It has been a complete nightmare going through this process. I have a right to accuracy and honesty under the CFPB and FCRA. This procedure was rife with fabrications. Please look into this business because I'm not the only one going through this.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (TX)

Kikoff has been reporting me delinquent and harassing me about an overdue credit balance even after I have paid off the account in full. 
I also had my autopay removed by them in XXXX which caused my account to default for XXXX $ which resulted in me paying the entire account off to avoid them harming my credit profile. This is very unprofessional. They are inconsistent with their reporting to XXXX and they continue to send me emails and text stating I am delinquent even though I have no account with them any longer.
Consumer complaint received 2022-11-25
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: AMERICAN EXPRESS COMPANY (TX)

After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions are..
Consumer complaint received 2022-07-22
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. (AL)

My wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : 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 2021-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Solutions Group (OH)

Numerous calls regarding that we are being accused of deceptive banking practices and that they will contact my employer to garnish wages. User stated that his name was Mr XXXX. Asked to have them mail us proof of the debt and they insisted that they have and that they wouldn't send anything. 

We asked for verification of the debt and they refused.
Consumer complaint received 2021-07-08
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: Lending Club Corp (CA)

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 2021-02-01
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. (OH)

I am trying to put in place credit freezes with Experian, XXXX and XXXX. The date is XXXX XXXX, 2021. I have had no problems with the latter two. However, Experians online and phone systems do not work. Its a nightmare. 

First, credit freezes do not appear on the Experian site and theres no way to search. I finally found freeze options when I clicked on a product they sell credit lock. On that page, in very small letters, they explain that a credit lock is different than a freeze. Clicking on the freeze takes you to an application which doesnt function properly. It keeps telling me I havent filled in my old addresses when there are no blanks for this information. 

The phone system also doesnt work. It only gives you options to unfreeze but not freeze your credit reports. 

Ive been trying without luck to get a person on the phone or via chat. 

I went through a similar nightmare in XXXX trying to temporarily unfreeze my credit reports. Again, it was simple with the other two companies. I eventually got someone one the phone at Experian. Unfortunately, I have been unable to do the same now.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been affected by the actions of my ex husband who has withdrawn the money on joint bank account and my ex husband was abuse me control to not use a money in joint bank account. Since XXXX XXXX I have been in this financial abuse, I wasnt be able to make a payment. it was effect me on my credit score. Then i was applied unemployment on XX/XX/XXXX. I was started made a minimum payment or some bills i made a payoff. The big problem for me, The capital Walmart card, my ex husband allowed me to made Just minimum payment and it cause my Walmart credit card high interest and i paid for interest to walmart since XXXX between $ XXXX every month. 
He was withdrawn the money in joint bank and access to my sprint online account without my permission and authorization himself to my account without my concern + sprint charges me for the bills {$200.00} and sent a debt collection to me. 
Since he was transferred the money from joint bank account to his personal account, he was left me and never supported my expenses at all. I had use a credit card to paid my tuition to get a license to work and but food for survival. my credit scores was lower and lower. Now i was checked is XXXX. it hard to be to start new life and walking on feet again. I was applied to business account from the bank, i got denied it because of my credit score.

I just need help, i want to work and do thing for mylife.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-02-01
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. (TX)

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' XXXX XXXX Account charged off. {$5400.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX/XXXX XXXX Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXublic Record
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (IN)

This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer PHH mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.
Consumer complaint received 2022-05-02
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-22
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. (AL)

CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions