davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TX)

On XXXX the XXXX of 2020 I notice a XXXX transaction and immediately called BB & T while I was on the phone 3 more transaction pops up on my : DEBIT, CREDIT and CREDIT LINE. Luckily the report was made and the bank suspend the account and recommend me to approach to the branch because all my information was compromised so then i can changed all my account with them. 

Unfortunately 2 days after all this happened another FRAUDULENT/ UNAUTHORIZED transaction was made with the same name and amount that was on SATURDAY XXXX the XXXX of 2020 ( XXXX ). I went straight to the branch that is located on : XXXX XXXX XXXX XXXX TX XXXX when I arrived there I spoke to the branch banker IV telling me that due covid19 situation I have to make an appoint until Monday so basically they could still take more money from my account because nobody cancel it that day ( they suppose to do it online, on the phone since the XXXX ). 
On Monday XXXX I went to my appointment at XXXX XXXX  : 1. My bank account where the fraud was made at this point stills open because is under " investigation '' so this person took another {$1000.00} dollars from the account by XXXX. 
2. The branch open 3 new accounts to replace my old ones and they gave me a physical paper regarding the claim. 

On XX/XX/XXXX of 2020 ( XXXX ) the bank send me a letter which i actually received on the mail on XXXX THE XXXX OF 2020 notifying me : The investigation was concluded regarding the electronic fund transfer claim date XXXX in the amount of {$1000.00} dollars they do not find that an error occurred, therefore, no funds will be deposited to your account as a result of your claim. 

Today XXXX I called the bank because I still not have the refund of the money that they took fraudulent from it, the lady that answered me the phone told me that I authorized the transaction or maybe I did it by mistake because of the IP address was right and there's nothing the bank cant do about it. 

The last money transfer from XXXX of my account with my consent was on XXXX and I received an e-mail confirming that I send that amount thing that didn't happen with the 3 different transactions that this person did to me.

This investigation must be RE-OPEN again I demand it!. As the Bank that you are, you must to answer to me for the fraud caused to my account and the delinquency expenses that you also incur. 

You must prove the evidence that supports the claims decision base on facts not on " maybe you did a mistake '' that's what the lady on the phone told me.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I made a purchase for {$260.00} on XX/XX/2020. It was completed XX/XX/2020 according to the vendor. He received payment and shipped the product. I placed another order for a different product, with a different vendor, and seen that my previous purchase made on XX/XX/2020 go from {$260.00} to {$290.00}. I called the vendor and he said it was not him. So I called BlueBird Prepaid Card by American Express and the rep said that it was the vendor. When I told him that I already called the vendor he then said that it was a 24 % pre-order fee from the vendor. when I questioned him again with the same facts he said that it was a error that American Express was trying to correct. So I asked him when would this problem be corrected and why wasn't I notified? He now stated it was the vendors ' fault, and he said he did not have anymore answers. I requested to speak to a supervisor. When they came on the phone they only ID them self as supervisor. I ask him or her the same question and they said it was the vendor request. When I repeated that the vendor did not request his they just refuse to answer why they took {$39.00} and they started acting like they could not hear me. So, without notice or warning American Express is taking 24 % on every purchase and is not giving when or why they have don't this and my purchases from to were cancelled for insufficient funds.
Consumer complaint received 2022-12-13
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: Self Financial Inc. (IL)

I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give SELF LENDER written instruction to furnish any accounts on my consumer reports. 

Under Self Financial, Inc. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, XXXX and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service!

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( Self Visa Credit Card ACCOUNT # XXXX ) & ( SELF LENDER INSTALLMENT LOAN : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

harassment and unethical demand of american express employee from XX/XX/XXXX i had 2 accounts with american express i was never late on any account payments were always made promptly on each account suddenly i was even given an unsolicited credit line increase about 6 months later i received a financial review requesting a nearly {$5000.00} on a revolving account the payment was made i continue to receive email requests for documents or large payments about six times i was so concerned that i contacted american express thinking it may be a scam in today 's culture of scammers i continued to cooperate with theses untimely unprovoked request until around the end of XXXX after spending over {$10.00}, XXXX cutting balances in half sending tax returns and and pay stubs at this review persons request finally at the end of XX/XX/XXXX i received a call from the review team at nearly XXXX XXXX  and the woman asked me to submit a copy of my employers last 2 months bank statements i told her that that was an unethical request and assured her that i would get in trouble her response to me was the following ( your employer doesn't have to know ) i refused the request and in a few days both of my accounts were subsequently closed ( the unethical request is on tape. ) this treatment was shameful and deserves to be published in some large corporations like American Express there are people who have there own XXXX  agendas this was my experience with American Express XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$180.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2020-09-03
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. (FL)

I've sent numerous of certified letters to Experian regarding unauthorized inquiries and unverified and unvalidated accounts. The following inquiries were not authorized by me : XXXX the following accounts have been disputed and no information regarding these accounts being validated has been provided to me ; therefore, they need to be immediately deleted from my fille : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (FL)

Experian po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX RE : YOUR REFUSAL TO UPDATE/CORRECT PERSONAL INFO RE : REFUSAL TO INVESTIGATE HARD INQUIRIES RE : REFUSAL TO INVESTIGATE SOFT INQUIRIES RE : REFUSAL TO INVESTIGATE XXXX XXXX XXXX # XXXX RE : XXXX XXXX # XXXX IMPROPER INVESTIGATION I XXXX XXXX XXXX XXXX EXPERIAN ON XXXX/XXXX YOUR AGENCY REFUSED TO CORRECT EACH ITEM LISTED IN MY PERSONAL IDENTIFIERS SECTION. MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND RECENT MAIL WERE ALL SUBMITTED. I GAVE SPECIFIC INFORMATION ON THE ONLY PERSONAL INFORMATION TO BE LISTED IN THE CONSUMER REPORT. ON XX/XX/2022 EXPERIAN REFUSED TO INVESTIGATE EACH HARD CREDIT PULL IN MY CREDIT FILE. AS A RESULT, I REQUESTED EXPERIAN DO A FULL INVESTIGATION ON ALL HARD AND SOFT CREDIT PULLS AND PROVIDE ME WITH ALL PROOF EACH COMPANY HAD A PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORT AND MY WRITTEN SIGNATURE/E-SIGNATURES TO OBTAIN MY CONSUMER REPORTS. On XX/XX/2022 YOU SENT A REFUSAL TO INVESTIGATE M G CREDIT FOR NO REASON AT ALL. AS I REQUESTED ALL OF THE FOLLOWING INFORMATION ALONG WITH YOUR METHOD OF VERIFICATION EXPERIAN PROCEEDED TO REFUSE A RE-INVESTIGATION. XX/XX/2022 EXPERIAN COMPLETELY DISREGARDED MY REQUEST FOR AN INVESTIGATION WITH METHODS OF VERIFICATION AS WELL AS ALL ITEMS LISTED BELOW TO BE SENT TO ME. ON XX/XX/2022 EXPERIAN DID NOT COMPLETE AN INDEPENDENT INVESTIGATION INTO XXXX XXXX XXXX XXXX AS I REQUESTED A METHOD OF VERIFICATION AND EACH OF THE FOLLOWING DOCUMENTS AS WELL TO BE SENT TO ME FROM EACH INVESTIGATION. THIS IS THE NOTICE SENT WITH EACH DISPUTE AS THIS REQUEST IS CONTINUALLY DISREGARDED EACH TIME I DO A DISPUTE WITH EXPERIAN. ( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) FULL METHODS OF EACH INVESTIGATION, ACDV- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC (MO)

I have started receiving all these attorney letters stating a company named DNF associates filed a lawsuit against me for an unknown debt of XXXX no name or what the debt is ... I havent received documentation nothing about this debt I dont even know what this alleged debt is for??? They have not attempted to contact me or anything Im disputing this ... .I can not have a judgement on my credit report for a debt I dont owe or know ... COURT!?? Are you serious garnishment who are these people court case is XXXX ... .I dont want a judgement for some allegedly as little as XXXX ... .i work hard to maintain the decent FICO score I do have ... AGAIN I am disputing this debt
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020. I made an international {$14000.00} wire transfer from JPMorgan Chase. XXXX XXXX XXXX XXXX. XXXX NY XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX, Off XXXX XXXX, XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX, I was called to come and furnish the bank with more information about my transaction which I did and the transaction went through. 
My payee in XXXX called to acknowledge the receipt of the money. 
Monday, XX/XX/XXXX, my payee in XXXX called that the transaction has been reversed. Chase bank reversed the wire transfer. I immediately called chase bank, spoke to a customer service representative, to ask why the transaction was reversed. He told me that it was a part of a security investigation. My {$50.00} transfer fee was returned to my account, with an assurance that the bank will return the {$14000.00} back to my account in 5 business days, and to date, nothing has been heard from the bank All efforts to contact chase bank in person, phone calls, and emails were  futile.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit dialed my number this many times on each date listed. 

XXXX 9 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 13 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I KNOW this is clearly harassment and have asked all correspondence be sent by mail and I will make payment by check monthly, since neither of my agreements for automatic withdrawals have been completed by the company and I approved for pay. This is their problem and they should not harass clients given my willingness to work with them.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However XXXX and TransUnion still show accounts, XXXX XXXX XXXX  showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

CITIGROUP CONSTANTLY HARASSING ME CALLING ME AT ALL TIMES OF THE DAY. LEAVING VOICE MESSAGES THAT FILL UP MY MESSAGE BOX ULTIMATELY MAKING ME MISS IMPORTANT MESSAGES AND PHONE CALLS. I HAVE ATTACHED THE FOLLOWING SUPPORTING DOCUMENTS.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (TX)

re : The PenFed XXXX Visa Card offered by the PenFed Credit Union In XX/XX/2022, I received a notice from PenFed Credit Union of my pre-approved offer for a PenFed XXXX Visa Card. I followed the procedures in the offer letter to accept the pre-approved offer. I received the card some time in XXXX. It is now XX/XX/XXXX and after multiple attempts I have been unable to access my account via the application or online through the website. On or about XX/XX/XXXX I spoke to a PenFed representative regarding my account and discovered that my account had been 'blocked ' by the PenFed 'fraud ' department. I have never been able to access my account online nor have I received a statement so that I might be able to review transactions to verify if there are any mistakes on my account. I believe this to be a breach of the Fair Credit Billing Act and a breach of the Cardholder Agreement. Further, I have been prevented from speaking with a Representative in the Financial Security Department to discuss the reasons for my account being blocked.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

On XX/XX/2022 I was notified by XXXX XXXX that the servicing of my mortgage was being transferred to Nationstar Mortgage ( aka Mr. Cooper ). 

On XX/XX/XXXX, Nationstar contacted my insurance company and had themselves changed to the lender on my policy with an effective date of XX/XX/XXXX. 

I have attempted to contact the new servicer several times through their website and phone system and am unable to make successful contact because they have no record of my loan or social security number. 

I am troubled that this loan is in limbo somewhere and that this a ploy to throw me into default. I made my XX/XX/XXXX loan payment to XXXX XXXX despite what their ( XXXX ) website said because there is absolutely no way to make contact with Mr. Cooper if they do not consider you to be a customer. I have even sent emails to their address for noncustomers only to have those go unanswered as well. 

I pride myself in paying my mortgages in a timely manner and do not appreciate the incompetency of both of these companies. Thank goodness I was not in the middle of selling the property and needed a payoff quote.