davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Money Management International, Inc. (IL)

Using XXXX  ( a credit building service/company ) I was lead to Money Management International to help in sorting out/reducing debt amounts and managing payments towards my debts.

While on the phone with MMI reps discussing my needs and getting together a DMP ( Debt Management Plan ) I was transferred 3 times. Once because the 1st person I spoke with had to join a meeting. I had mentioned several times I was trying to eliminate my debt while raising my credit score in order to buy a house/move as my lease was ending soon. 

After what seemingly had worked out a DMP I was sent a bunch of Electronic papers to sign and did so. 
I saw NO notice of my current credit card accounts being contacted and closed nor did anyone mention anything other than accounts collections debts. 

A week of so after signing my DMP with MMI I started receiving notifications from my current IN GREAT STANDINGS credit cards companies that they would agree to MMI 's terms and close the accounts. 
I could have died, almost wish I had. 
All the money I had for Deposit/moving costs where disappearing. My Credit which I was working hard to increase would now significantly suffer do to this erroneous mistake. 

I called the person who I last talked to twice over the next week, he never return my call. 
After the XXXX day I called and asked to speak to a supervisor. He was seemingly helpful to get out letters that day to my credit card companies in explanation of the error asking them to reverse their actions in closing my accounts. To NO avail. 

I'm left hating this world, credit, credit cards, credit building services and Money Management International. 

I will now most definitely be homeless in a matter of weeks with XXXX of dollars in credit vanishing overnight. 
That and what will soon be my credit score dropping back under XXXX. 
Days before I called MMI it was at XXXXXXXX XXXX XXXX now at XXXX and soon to dive down because of this simple but easily avoidable horrific mistake.
Consumer complaint received 2024-04-01
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: Chime Financial Inc (GA)

On XX/XX/2023 I had my phone wallet, all my passcodes PIN numbers, house keys, car keys, stolen all my accounts compromised, and my accounts emptied out. The day of the incident, I called the police because I was distraught and I was XXXX, because somebody stole everything while I was asleep, woke up to all my things gone, when I started tracking them from my XXXX they then reset my XXXX from my XXXX and changed all my passwords. Meanwhile emptying all my accounts, when the police came, they told me they could t help me retrieve my things in that moment there was nothing they could do, so I end up not filing a police report on that day. That night I found the person. And he only gave me one of my keys back, none of my debit or credit cards. Gave me my wallet empty with only my ID and my social security card in it. My laptop and phone .. he then came back three days a few days later and stole my car, which I called the police again, and then filed a report, all of my items were included in this report, and I have explained my situation to chime numerous times. Even calling them the day after once I got my phone and such. They refuse to dispute my charges that were unauthorized, saying there was no error, they do not have somebody you can speak with, and now they wont reopen my dispute. I gace sent them evidence of conversations I had with people the day it was happening, that I got on my computer and was trying to find a ride or something to go find my things. I was literally XXXX because he had my phone changed all my passwords locked down my XXXX, my book of passcodes and PIN numbers had my wallet, house keys, car keys, and my laptop.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

I am home owner in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that destroyed XXXX cars and did severe damage to my home. The skylight on my roof shattered and hail, glass and rain poured into my house from the XXXX ft. square skylight. The night of the storm, I brought in emergency crews to temporarily cover the roof, remove glass and water and install a drying system. They mitigated the damage and documented extensive scope of harm to my house. I had to repeatedly get XXXX XXXX to come to my house to meet -- XXXX sets of adjusters all with extremely low estimates. XXXXXXXX XXXX XXXX XXXX XXXXXXXX said it was XXXX of the " XXXX XXXX '' worst hailstorms he had seen in his career. The estimates were irrationally low. New Rez/Shell Point XXXX XXXX XXXX  year mortgage in XXXX, and I owe {$24000.00} and XXXX more payments. I have never been late in making XXXX payments for the full amount due each month. New Rez demanded that I endorse the XXXX XXXX checks in my name and I sent them to XXXX Michigan New Rez per their instructions overnight, fully endorsed on XX/XX/XXXX. I sent proof of remediation and having paid {$7500.00} for completed emergency repairs. New Rez deposited the checks on XX/XX/XXXX, yet have not paid me a dime to date. They said that " over XXXX requires them to deposit the funds and hold them '' - yet they have not paid. They sent me a letter asking me on XX/XX/XXXX if I wanted to re-finance my home saying that I have a current value of " {$410000.00} '' on my property. They are accessing my claim, and I have asked to speak to payment supervisors. I am using the money on my home from insurance that I paid, they have a 5.9 % interest in their assessed value of my home yet they plan on holding back APPROVED HAIL REPAIR funds equal to my total mortgage. It's irrational and essentially shifts onto me the burden of repairing from a disaster with personal funds when they are sitting on my repair money. I have been forced to seal my roof and continue repairs while they make excuses. I've asked to speak with XXXX or XXXX and am filing with Michigan Attorney General. Texas law is to lenient to lenders and insurance companies during this recent disaster -- it is harmful to consumers. The funds belong to my house to be used by me to make repairs -- not held by a XXXX Michigan mortgage company with over XXXX complaints on XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

on XX/XX/XXXX I received an email from Experian ( Experian IdentifyWorks XXXX saying they had found my full social security number on the dark web I was confused because on XX/XX/XXXX I had received a message from them saying subscription has been cancelled. So why were they sending me alerts so long after the cancellation? 
This is a very serious issue, so I wanted to get the scoop. I tried calling Experian for over an hour to talk to a real person but was unsuccessful because they require that you put your full social security # in there before you can talk to a person.. I had no way of knowing if the alert email was pshing or fraudulent before I gave them my ss #. I am very paranoid as I receive a number of pshing emails per day. Some fraudsters almost got into my retirement funds account. I had to have my computer professionally cleaned to resolve that issue. Experian should know better- the social security number is the key to a person 's credit. I suspect that this warning also is pshing also, but wanted to talk to Experian to verify whether or not they actually sent this alert to me. If it is real I have to freeze my credit report, etc. but I don't want to unless I can verify its authenticity. 

Can you help me please? Thank you.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P&B Capital Group, LLC (PA)

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MD)

Was given notice on XX/XX/scrub>XXXX XXXX XXXX  that they were suing me for {$1500.00} saying I owe them a debt. I had never heard of them or been contacted by them prior. After repeatedly calling as soon as I received notice, and them ignoring my calls, I contacted them through the XXXX telling them that u do not know who they are and I never took out a loan for this debt and gave written request for verification documentation that I owe this debt, including a copy of whatever identification verification documents they are supposed to collect when a loan application is submitted. This can include a copy of my drivers licence, passport, ssn card, or birth certificate. XXXX almost a week calling, I got a hold of them, but they could not find my file with any of my information until I provided my social. Suddenly thy claimed they found my file. I spoke to their lawyer who went through all the information on the loan application. The only information correct was my first name, social, and address. Everything else including my last name, phone number, email, income, time zone, bank account, etc. was incorrect. Because I didnt want to go to court and have to pay a lawyer and a babysitter, I tried to settle even though it was not mine for more than double what they say they paid to take over this loan. Instead they want close to {$1200.00}, when they themselves sent me the receipt that says they paid {$240.00} for this debt. It is now well past the 30 days they had to send me the requested info. All theyve sent is an electronically signed contract which again, had the wrong last name on it, and is not something I ever signed. Now they are refusing to answer or make any attempt to fix this. Their XXXX profile is filed with complaints of people saying this same things been done to them.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I had unauthorized transactions starting on XX/XX/XXXX, I contacted TD bank and filed a dispute on these transactions on XXXX the XXXX and also discovered that there was another transaction on my account that I didnt authorize I never received any fraud text alerts from TD to ask if I authorized these transactions they all went to bitcoin totaling over {$4000.00} I went to the TD branch to get a new debit card and was told to get a credit card but basically I feel that TD bank is punishing me for their negligence in not allowing these transactions to go through.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (PA)

Dear CFPB, IRS, XXXX, EXPERIAN, XXXX XXXX, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX. XX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: USCB Corporation (PA)

In accordance with the Fair Credit Reporting Act this creditor has also violated U.S.C 1666B : which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, which requires you to block fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.