davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (OR)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MI)

I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was a victim of fraud in the form of a check kiting scam. Bank of America was aware of what was happening to me as I was calling them at every stage of the con for guidance. Each time they assured me I would be protected should I cash a fraudulent check. After I completed a cashiers check and sent it to the fraudster my personal checking account was charged for the amount of the check. Before depositing the check, the bank Manager at the BOA of XXXX called to verify the account and the amount of the check. I called Bank of America in their fraud department, I filed a police report with the Police department of XXXX, NJ. I went into the branch that cashed the check for me they told me there was nothing they can do. I paid the XXXX balances and closed the account. I would like a partial refund and damages for the stress and aggravation this situation caused me.
Consumer complaint received 2024-09-03
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (SC)

Not sure what to call this company in the complaint. I do like the company but I am in a stand still. I have opened the checking account with them since I already took the loan and have the investment account with them. I have never received my card in the mail because I can not reach them after submitting the information they asked for to make the change. I submitted my new drivers license picture as asked on the for to change address. I have also been asking them to change my phone number to the new number that I have without changing the number I am unable to do anything as in transfer money or anything because it always says they sent a verification text to my old number. I have tried calling 10 times never once got anyone on the phone I did the emails many of times got no response I did talk to someone on the live chat while promised it would be changed by end of day that was a week ago. I did not want to complain but the money struggle is real now and I could sure use some of the money I have in that account before I start to miss bills. I was also saving this money to do my son 's Christmas shopping which now I may be using bill money because he isn't going to suffer because a company doesn't want to allow me access to money that is mine.
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (IL)

I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments.

Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month.

Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship.

It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full.

If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month.

The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX of 2017. I was never given any information about the purchase. Never received a payment plan. Had to go to a web site to find a phone number. Had to establish an account without guidance. Have not received any paper bills with the exception of one. They refuse to send a copy of my loan agreement after repeated requests and charged unexplained fees to my account. They keep referring me to research department and claim they ca n't help me with any complaints about my account. Research department never returns calls. The tellers as they call them have hung up on me. I believe this company is rife with fraud and abuse.
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

Hello Respective Officer, HEre Iam writing this complaint against EXPERIAN - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX XXXX in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ Digital Assets  holding company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX  but they rejected my REFUND .Hence I had to reach the insurance provided by EXPERIAN [ XXXX ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed!
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I made a deposit with XXXX XXXX XXXX using my Citi XXXX XXXX card ending in XXXX for {$200.00}, with monthly payments of {$35.00}, up until full payment and to now I have paid {$300.00}. I read the Legal Cruise Contract for XXXX XXXX before booking ( my booking # XXXX ) and it stated full refund up 61-days prior to sailing for 2, 4, 5, etc. day cruises. At that time I searched for Cruises to XXXX, there were no cruises available on my specific dates. I later found the same cruise ( booking # :XXXX ) for a longer duration and paid the {$150.00} deposit. I tried to cancel the first booking and so after I paid, THERE IT IS, if you want to cancel, you will have to pay {$49.00} per person totaling {$100.00}, however when you are booking the cruise nowhere can you find this information a total entrapment. When you call the agents, they tell you its on the website, but for the consumer it is very hard to see how much you will be charged. I looked and looked until I found a cruise contract. I am booked for two cruises in the same year XX/XX/XXXX to XXXX and XXXX is refusing to assist me with moving the {$300.00} over to ( booking # :XXXX ) so I called Citi to assist with a dispute and Citi has really made it worse. Yesterday I was on the phone several times trying to get assistance in opening a dispute, however Citi gives me a {$35.00} credit for one payment to XXXX and opens a dispute for the wrong cruise even though I made it clear to the customer service agent I was speaking to. I called again this morning the customer service agent gave me a credit for {$1.00}. I opened a dispute that Citi doesn't understand why. XXXX XXXX needs to stop the misleading advertisements. I have cruised several times and this was the first time I have seen misleading advertisement about canceling. It's just not clear and Citi made it worse.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted disputes to Transunion in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (WV)

I did not know I owed these amounts until they hit my credit report. I called the company and paid them all in full so all the balances are XXXX. I have asked the company to remove them from my credit report as opposed to paid derogatory and they have not. When I called again to ask, they told me they could only mail receipts showing paid. When the representative read my address to me, it was not correct. They were still continuing to use an old address. I never received notice from them. Some of the amounts were as little as {$2.00}. I need these removed from my credit report. 
credit coll/usa. XX/XX/XXXXacct : XXXX. This was paid. Has not been deleted credit coll/usaXX/XX/XXXX acct : XXXX. This was paid. Has not been deleted credit coll/usa XX/XX/XXXX acct : XXXX. This was paid. Has not been deleted. 
credit coll/usa XXXX acct : XXXX. This was paid. Has not been deleted. 
cred coll/usa XXXX acct : XXXX. This was paid. Has not been deleted.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have been trying unsuccessfully to obtain an EFIN from the IRS needed for my employment. To get this number, I must submit the last eight digits of a credit card number for an account that I hold. I have only one credit card. When I correctly enter this information into the IRS form, I am informed that the number does not correspond with the credit card number in my Experian credit report. I can not see the last eight digits of the credit card number on my Experian report, but I can see the first six numbers and they are incorrect. I have done my best to notify Experian that the information about this account is incorrect, but I have had no success.
Consumer complaint received 2018-11-16
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)

Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source XXXX  Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Company XXXX Alert Date XX/XX/2018 Source XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX XXXX XXXX XXXX About this Alert XXXX XXXX XXXX  is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX   Activity New Application About this Alert Bank of America is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: First Data Corporation (NY)

First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX 
I have been in contact with XXXX since I need the funds to make pay roll. 
I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. 

XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. 
The XXXX Merchant Account is XXXX.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan : XXXX I purchased home XX/XX/XXXX it's a XXXX XXXX Paid XXXX Down Payment : XXXX First loan Mod. XX/XX/XXXX with an attorney Mortgaged changed from XXXX to XXXX as soon as the attorney made an exit my loan returned to XXXX it was a verbal Loan Mod no MERS. 
XXXX attempt at loan Modification I was requested to place another XXXX payment of XXXX. No one remembers I paid that via Bank XXXX XXXX certified funds. 
XX/XX/XXXX I became ill unable to walk or work no income XXXX took 4 months to pay this was XX/XX/XXXX I was in the hospital. I was advised that if I could come up with 1 payment they would stop the foreclosure. While hospitalized I offered Nationstar XXXX payments and they refused them. They will request that I do something, then when I do it they change the promised outcome. 
The last mod. was for XXXX with a XXXX income of XXXX after I paid the 3 payments they changed the mortgage payment to XXXX. more than my entire income. I ask how could they do that I was informed that to take home XXXX I would have to earn XXXX so the loan mod. was done on that amount. I Filed BK the last Trial was for XXXX pass that one. They took over a year to complete process. 
XXXX XXXX offer is XXXX for a house that's worth XXXX the agreement is for 40 year loan at 4700 month = XXXX XXXX and at the end of that loan is a balloon for XXXX. they say I owe XXXX they have placed that on the loan twice.
Consumer complaint received 2018-11-30
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: BARCLAYS BANK DELAWARE (MI)

XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.