davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (OH)

Trying to access my credit report from Experian. I forgot the username and Password and the email on file is inaccurate. It is impossible to contact anyone at Experian, as they do not have email, their chat is disabled and their telephone is an endless loop. Therefore, their lack of communication with consumers has essentially locked me out of using credit services. If Experian can not provide a method to communicate to consumers they should not have the power to lock someone out of the use of financial services. 
XXXX
Consumer complaint received 2024-10-17
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. (TX)

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 XXXXXXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (VA)

CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and " Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact, the {$120000.00} figure appears nowhere in either of the histories. Furthermore, Nationstar 's letter only tells me who the " investor '' is for my loan. I did n't ask for the name of the investor but for the entity that held my mortgage note.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CDI Affiliated Services, Inc. (ID)

The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.
Consumer complaint received 2024-10-17
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. (MO)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergent Resources, Inc. (OH)

Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NJ)

During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (PA)

I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (AP)

I saw it on my credit report so i called the collection agency. On the phone i gave them my name and the amount of the debt. The woman replied with a last XXXX which was not mine and an old address which i moved from about 7 years ago. she also said the account was from 4 years ago. This is all looking very strange to me so i ask her for any information about the company in which she could only give me an account number and XXXX extensions.
Consumer complaint received 2016-01-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focused Recovery Solutions, Inc. (WV)

putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

A less vague guide to improving a credit score could be provided by the designers of the credit score analytics ; FICO and XXXX. The bland recipe for starting, maintaining or correcting scores is not very helpful. Things like, pay your bills on time and do n't use too much a of a credit line can be arrived at through the use of some common sense.These " tips '' are much too generic to be truly helpful to consumers. They should advise us what the real story is. Tell consumers exactly what they should do to improve their scores and be specific. If paying off that past due XXXX card would raise my score by XXXX points than let me know. If paying of that {$400.00} balance on my auto loan will raise my score by XXXX points than tell me that. Bobbing and weaving through the vagaries of credit scoring for the average consumer is impossible. A transparent, easy to follow, step by step formula for increasing consumers credit scores would do a world of good for everyone from the most unsophisticated consumer on up. The credit scorers will come back, once approached with this idea, and claim it is impossible to do. They will assert that they do n't know what other factors may occur affecting your credit score to enable them to make a specific prediction as to a drop or increase in a score. My answer to that is for them to add a disclaimer saying, " If no negative factors related to your current score are reported your score should increase by approximately " xyz ''. This will at least give some guidance as to which specific accounts are more important to your score. I received my free XXXX report and score ( based on an Equifax credit report ) from XXXX to XXXX, XXXX substantial items changed on my credit report yey my score did n't change at all.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The debt belongs to my son, he is a junior. Because we have the same name an no suffix is stated, the placed it on my credit report. I reported it to the original company who were very helpful. They gave me the phone number of the collection agency, which I called, and they were very rude. They stated that they had no account information such as date of birth or social security number. I know this is not true because the original company and they had the information and recognized the mistake. They also said they would try to help out in correcting this error. However, it dropped my credit score XXXX points and I need it removed from my credit report. Please help me with this problem. The problem was that he had to use my mailing address because he was an XXXX. 
Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2015-04-17
Product: Other financial service — Money order
Issue: Advertising and marketing — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I have tried to send money to people that I know. This company keeps stopping the transfer. After many call transfers I finally get someone to tell me that they do not like my sending history. This is NOT their concern. Their business is to facilitate sending and receiving money. They have no business in making this decision. I take responsibility in deciding to whom I send money. 

I would like a written statement from a company XXXX that they will cease and desist in this practice. It is not right and needs to stop. Very poor business practices.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (OH)

I was out on maternity leave. ( XXXX - XXXX ) I was coming up short on my payment, so I called before my bill was due. ( this is for the bill due XXXX ) I told them my situation, said I would be back on track by XXXX. They were awesome about it, explained there was no pay options available to me at the time, but offered me XXXX dollars in hardship money. Thats when I had someone from Discover hounding me about a payment and daily had to explain my situation. That when someone said you can stop the calls by setting up promise to pay ... XXXX long story short, apparently I felt obligated to set it up. I had every intention on getting right back on track. A DOUBLE payment was taken out the same week I said I could n't pay. I know I would have not authorized that payment!!! It over drafted my account and has been bad since! I asked to listen to the tape, they placed on hold, they listened to it, came back and said I had authorized it. I know in my heart I would not have, I did n't have the money! I asked to listen to the tape, they would not allow me. Is there a law that prevents customers to listen to their own recorded calls? There has been several contacts between the company and I. My history with the company has been excellent, until the reason events. Recently I have became very very upset! I 'm loosing my cool with this situation. ( Not my norm ) I made the comment that this can make people hurt themselves. They sent the cops to my house. Boarder line harassment. I just want to listen to my tapes, the dbl payment was not authorized by me! Thanks for your time in advance!
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (FL)

the lease with american honda finance was discharged by chapter XXXX on XXXX and they were reporting to XXXX correctly theu XXXX but on XXXX they removed the chapter XXXX discharge and started reporting current late or missed payments, i have disputed with XXXX but they only answer that american honda finance claims that they are reporting correctly and only america honda can make the change no matter what documents i provide such as the chapter XXXX discharge of american finance. i have sent letters to american honda and they never respond. i am in the process of purchasing a home and this is causing a problem
Consumer complaint received 2015-12-18
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I have previously expressed my concerns to the CFPB about Moneygram 's discriminatory policies against latinos & received several phone calls from moneygram assuring me that they would not select latinos for extra scrutiny when sending money back to our home countries. Today, I went online to send money & again moneygram refused / declined my transaction. When I spoke to the customer service department, I was told that there is nothing else I can do & that their system security has flagged me as a money launderer. Really? Is this because I am XXXX or because I send money to my family in XXXX? This is news to me, since I have a great paying job & make several transactions a month wiringsmall amounts of money to my wife & children in XXXX. This company needs to be shut down or be forced to pay a very large civil penalty for what they are doing to XXXX & people of XXXX
Consumer complaint received 2015-04-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer.