davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (CA)

This Complaint is in reference to FCRA Section 623 ( a ) ( 1 ) ( C ) & CA Civ Code 1785.25 ( 2022 ) Proof of Inaccurate and Misleading Credit Reporting From One 3rd party Collection Agency reported as an Original Creditor of which they aren't, Paramount Recovery Systems acquired the XXXX XXXX account from XXXX XXXX XXXX XXXX XXXX After which Paramount Recovery deliberately and knowing Posted inaccurate Information to my Credit file, Please review the attachments as proof of the of this FCRA Violation, A 609 Letter has been generated to be sent by mail in regard this to matter to PARAMOUNT RECOVERY SYSTEMS
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Mr. Cooper Group Inc. (VA)

Found out today that Mr Cooper experienced a third data leak - the third in three years. This time, however, all of the owners whose mortgage Mr Cooper holds had their PII taken in this data breach. Names, address, SSNs, financial accounts and records, work history - all of them information taken for all of the nearly XXXX XXXX owners. 

How can a company whose business is to administer a loan ( not provide loans, but rather just hold and collect on them ) not make security of their assets a number one priority? 
For it to be this frequent is startling. Worse still is that us, the mortgage holders, can do nothing about it as we can't move on from Mr Cooper as they own our loan ( even though we didn't take a loan with them ). 

Can you look into this matter?
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (NJ)

I went in the XXXX XXXX XXXX XXXX XXXX IN XXXX, because i was with lot of pain in my XXXX. They toke my information by the reception window and ask me to wait for a call. After XXXX hours no one call me or give any medication, pills or even ask me any question. My son arrived after the XXXX hours pic me up and took me to XXXX  XXXX in XXXX where I was attend in XXXX minutes. 
Now I'm receiving calls and letters to pay {$650.00} for what...??? Registration?
Consumer complaint received 2023-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I initiated a domestic wire transfer 2 times this morning. They called me and I provided all the information. I am not happy that they repeatedly block my wire transactions. Next one I initiated, went thru " with a supervisor and then again they rejected the same. 

Have sent money to this recipient in the past many times. This is not the first time either. 

This time they locked the account and rejected the wire transfer again. Again I had to call and go thru " detailed verification to restore access to my account. Now, I have to wait for an hour to set up the wire transfer again and go thru " the long security check up again. 

There is not surety that this will go through. This has happened in the past and I lost an opportunity where I could have made significant gains. 

They act like we are children that don't know what we are doing. This needs to stop. I am calling an attorney to initiate action against bank to recoup my losses. 

Bank can not be looking at their profits only, lock up my money, excessive security controls and then act big. 

When calling them to get the transactions through, they treat us like we are criminals and they have right to treat us any way they wish. This disgusting behavior needs to be stopped. 

Please note this is a repeated complaint to CFPB about the similar issue in the past.
Consumer complaint received 2023-08-29
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. (VA)

Experian charged {$24.00} on my XXXX card for a credit report I never ordered and do not need. I have excellent credit. I have been hacked four times so I watch my accounts like a hawk. I switched from XXXX to XXXX XXXX two weeks ago. I forgot I had a lock on my credit reports so initially my application was not accepted. I came home took the lock off my credit reports and then proceeded with XXXX XXXX. Two days later, I re-locked all three of my credit bureau reports. This does not cost consumers any money to do this. 
I don't know why I was charged this for a report I did not request. Experian has been in trouble before for charging consumers for unneeded credit reports. 
I'm a senior living on a fixed income. I know my credit, bills and accounts. I want this charged removed and I want Experian to receive a letter from the CFPB telling them to cease and desist and stop targeting seniors for unnecessary credit report. 
Thank you.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am unable to use the website it has said technical difficulties for 2 months now. Im unable to view any freezes, reports, information etc. Also unable to view my credit report using XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (GA)

Received promotional offer on XX/XX/2023 from Goldman Sachs / Apple Card to add a co-owner to my account. The offer provided a {$100.00} Apple XXXX credit if the co-owner was added between XX/XX/2023 - XX/XX/2023 and spent more than {$100.00}. I added a co-owner on XX/XX/2023 and this co-owner immediately spent {$300.00} followed by two subsequent transactions. Theyve not received any credit or bonus. Per the fine print : Each {$100.00} and {$25.00} bonus is earned as Daily Cash and is transferred within 7 days after respective minimum spend thresholds worth of transactions have posted to the New Users Apple Card account and the New User has made a subsequent transaction. Ive reached out to Goldman Sachs / Apple Card support via phone ( XXXX ) and via XXXX XXXX XXXX. Neither support channel has resolved the issue other than creating an inquiry. The promotional details that were received via email to the account owner are also available at https : //offers.applecard.apple/apple-card-family-offer
Consumer complaint received 2023-12-14
Product: Credit 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: Bread Financial Holdings, Inc. (NJ)

On XXXX XXXX XXXX  I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments. 

Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested. 

I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.
Consumer complaint received 2019-07-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Opportunity Financial, LLC (OH)

I have been a customer with this them since XXXX of this year. On XX/XX/XXXX I reached out to advise I was having financial issues, as my husband 's job did temporary layoffs/ work reduction. I spoke with a rep who advised me if I could make at least half payments it would keep my account from going into collections, which I have done. Since then they have reported me to the Credit Reporting Agencies and now I am getting collection calls every few hours. I have no choice but to make smaller payments right now. But my concern is, when I was in good standing my credit report was not updated to show good history but it is for negative, I don't think that is fair practice. Also, I did reach out as soon as I had a situation and now I am getting collections calls and letters, I got an email on Sunday advising me I had 30 days to validate this debt as mine. I know its mine, I made a payment as directed. pull the call where I called in, check the emails I have sent. I am trying to do the right thing ...
Consumer complaint received 2023-08-29
Product: Credit reporting 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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I have a PayPal account that Ive only used once. Suddenly, I started getting emails and texts that my account was compromised and being used suspiciously. I messaged with customer service, and they said they hadnt sent texts or emails, so I requested they close the account. In order to do so, they told me I needed to upload a copy of my drivers license and a bank statement. I told them I would not do that as it exposes me to fraud. They wouldnt tell me what the fraudulent activity was either. I told them I would not upload those documents, and they claim they cant close the account without them. Now theyre telling me I dont have to upload a bank statement just a drivers license. I once again said I wouldnt upload that, and they refuse to close the account without it. If there is suspected fraud on the account it needs to be closed - but they refuse to without my uploading sensitive information. This feels like a scam.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

On XXXX XXXX I went to XXXX # XXXX to ask for the service of send money to another country. XXXX offered me the service using Money Gram. 
I provide the recipient 's information requested for an account deposit, including name, location, bank and account number. 
XXXXMoney Gram promised me that the recipient will have the deposit by XX/XX/2023. 
I provide my identification and confirm the recipient information. 
I sent {$500.00} and XXXX charge me {$8.00} transfer amount. Total XXXX charge me {$500.00} cash. 
XX/XX/2023 I contacted the recipient to let her know about the transaction. 
XX/XX/2023 recipient did not see the deposit in her account. 
XX/XX/2023 I call Money Gram ( XXXX ) to ask for information about the money because the recipient has not received that in the bank account provided. Someone with Money Gram told me that the money is not longer with Money Gram but they don't know where is it and they open a case. 
XX/XX/2023 The recipient has not received the deposit in the bank account. I call Money Gram asking for any information but who took my call said that they don't know where is my money but there is a department working on mi case. I ask for an email or phone number to get comunication but this information was denied as well. 
XX/XX/2023 I'm filling this complaint. 
Reference number XXXX Case number XXXX
Consumer complaint received 2019-07-23
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. (NC)

I have contacted Experian on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC (DE)

I applied for a loan with Loan Till Payday in XXXX, DE in XX/XX/2018. Due to unforeseen circumstances, I was unable to manage payments with the loan and a judgement for {$600.00} was filed against me. I have tried to make payments of {$100.00} per month to repay the loan, while unemployed. I recently received a threatening phone call regarding a case being filed against me in XXXX XXXX County and an Order of Location regarding my whereabouts. My family has received harassing phone calls as well.
Consumer complaint received 2023-08-29
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I traveled to XXXX and got a taxi which was supposed to be {$60.00} we signed a POS system and entered our email address while verifying it was {$60.00}. They were supposed to email us a receipt and never did. During the ride I received a text message from the credit card company asking if I authorized a charge for {$380.00} I replied to the text no and I also called my company immediately even while during the taxi ride. The credit card agent told me to wait until the charge processed and I could dispute it. They did not turn off my card or freeze it and I never got a receipt from the taxi company. I filed a dispute which was denied I also filed a fraud claim which was recommended by Capital One supervisor both were denied. I have asked the credit card company to contact the merchant and provide the signed copy of what we signed in the taxi and they have said even if the merchant doesn't respond because I don't have a receipt I am liable for almost {$400.00} charge that I did not authorize and I immediately notified the company of.
Consumer complaint received 2023-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: WELLS FARGO & COMPANY (TN)

XX/XX/2023 spoke with customer service requesting foreclosure sale be canceled and I had not received letter with foreclosure sale date. Submitted request for mortgage assistance with income. Wells Fargo mishandled processing of mortgage assistance application and mortgage loan financing for my home. My home was financed with a line of credit instead of a FHA loan that I requested. Have spoken with the executive office XX/XX/2023 they admitted my loan was incorrectly processed Also I have not received a foreclosure letter from the foreclosure attorney. The state of Tennessee requires me to receive a notice of foreclosure 30 days before foreclosure of my home. I was told I was mailed Trial modification I never received the papers. I am being told they will not move my mortgage request from intake to loss mitigation it sitting in intake it has been there. I have submitted my request 3-4 times last 6 months. I am a senior citizen don't want to lose my house to foreclosure
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (WA)

On XXXX, Creditor XXXX XXXX  XXXX BY XXXX sent a loan balance of {$29000.00} to collections through XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX under my name. 

The collections request was added to my credit report on XXXX. This heavily impacted my credit score in which case an alert notification was sent via email through all XXXX credit monitoring companies XXXX XXXX XXXX, XXXX, XXXX ). Upon receipt and review, the account was disputed on XXXX and is currently under review by all XXXX credit monitoring companies with a review deadline of XXXX. 

No action has been taken to contact the company directly.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARCO Group, Inc. (CA)

I haven't applied for no credit cards or loans and I have alot of hard inquiry I lost my social security card and id 4 years ago when I was homeless so who ever has my ss aND id are doing these pulls I wou them removed please so I can live my life
Consumer complaint received 2019-07-23
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. (FL)

In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.