davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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. (ND)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 

15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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.

15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-09-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NM)

On XX/XX/year>, I logged into my account to make a payment of {$1300.00}. I completed all necessary steps to initiate the payment and received a message indicating that the transaction was " completed. '' However, I did not receive a confirmation number for the payment. 

On XX/XX/year>, I logged in again to make the XX/XX/year> payment and noticed that my account reflected a past due status. I attempted to contact Mr. Cooper, which required multiple attempts due to their phone system and extended wait times. During this call, I was informed that Mr. Cooper had attempted to contact me to notify me that my payment was late. However, because Mr. Cooper 's outbound caller ID is disabled, I was unaware of these calls. For security reasons, I do not answer calls from unknown numbers. 

Upon becoming aware of the outstanding balance, I immediately paid the overdue amount of {$1300.00}, plus a late fee. On XX/XX/year>, I logged in again and made an additional payment of {$1300.00} to cover the XXXX bill on time. 

Mr. Cooper 's website appears to have had a processing issue, as I received a " completed '' message but no confirmation number. Despite this, I fulfilled my payment obligations promptly once I became aware of the issue and even paid the late fee. Mr. Cooper is now incorrectly reporting that I was 60 days past due. Additionally, Mr. Cooper 's practice of disabling outbound caller ID when contacting customers creates a risk of credit issues for customers who do not answer calls from unknown numbers, or exposes them to potential scams if they do. 

Despite multiple requests, Mr. Cooper has not corrected or made changes to any of the above.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I placed a report with citi after finding out about that accounts have been opened in my name as a product of identity theft. They responded back that my information match, of course it would but it was fraudulent opened. I asked for proof of the application showing address signature and identification that was submitted. I filed a police report XX/XX/XXXX got a new Florida drivers license XX/XX/XXXX due to this theft, that is where I lived. I then moved to maryland and got a new drivers license XX/XX/XXXX. Citi requested no police report or supporting documents from me but says that the account is mine. I have been dealing with the identity theft for years since with fraudulent cards and banking information being obtained with my information. I have requested the following and still have not receive debt verification letter. In the letter, you can ask for specific information, such as : The original creditor 's name and contact information & The amount owed o A copy of the original contract with your signature o An accounting statement showing how the amount owed was calculated a A copy of the agreement authorizing the collector to collect on behalf of the creditor
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Ordered an item. The item never arrived. Package said delivered but mail company could not place the package arrival scan near my building. Contacted seller site. No refund offered. No purchase protection. Contacted citibank. Filed dispute, even included police report in original dispute. Dispute resolved favoring outside party. Raised second dispute, same conclusion. No answers, no purchase protection.
Consumer complaint received 2024-09-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: STATE EMPLOYEES CREDIT UNION (NC)

I purchased a gift card for {$250.00} from XXXX, I attempted to use the card on XXXX, XXXX for {$210.00} and it was declined. I called the number on the back of the card XXXX at XXXX XXXX  and spoke with XXXX and I provided her the card number and she verified my name and address she stated that people were having difficulty with the gift cards and she would mail me {$250.00} to my home in 5-7 business days. As of today I have not received the funds. So at this point I went to XXXX and spoke with someone name XXXX and told her what happened on XX/XX/2024. She said she needed the card number I told her that I did not have it anymore, she said she could not help me. I told her the caller claimed the line was recorded so just go back and listen to the call. She claimed to do an investigation and then concluded there was nothing she could do because XXXX severed ties with the gift card vendor. I then called the XXXX back around XX/XX/2024, the third party gift card vendor named Cardholder Services and requested to speak with a manager and was placed on an extended hold then someone named XXXX employee id XXXX stated he was a supervisor and told me he did not have access to listen to recordings I asked for his manager and he said he could not provide the manager name because its private information. Please help me to get my money back I am filing complaint with XXXX and especially this Cardholder Services company Supervisor XXXX was rude, dismissive and not helpful.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. TD Bank USA/Target Account closed on XX/XX/year>, All late payments on this account started when the XXXX pandemic started. I did not receive any notification for payment. I would like for you to remove these account off of my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (VA)

There are three recurring issues with Mariner Finance. One, you can not update your payment methods easily. If you delete a payment method and try to add it back, it says it is already in the system even though it is no longer listed as an option. Because of this the loan provider pulled money out of the wrong account and I almost missed a payment. Despite notifying them of this issue, no action has been taken to fix it. 

The second issue, I can not make additional payments on my loan. Every time I try to make an advance payment, the website says there is a restriction on my loan/payment method with Mariner Finances local branch. Even though I want to pay off my loan faster their system is forcing me to only make the minimum payments. Mariner Finance is prohibiting me from paying off my loan and to accrue interest and have to pay more in the long run. 

And the third issue, is that their login has been down consistently, so I can not even login to manage my loan. Despite contacting their customer service all they do is send me the link to login which doesnt work. This happened on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


Mariner Finance is a predatory lending company which has faults in their online platform and local branches that force people to pay more on their loans since they cant make additional payments other than the minimum monthly installments.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/2024, I was the victim of a massive account takeover to all of my checking and savings accounts with USAA. The thieves called the bank, pretended to be me, ordered a new debit card and changed the address. The debit card was mailed to an address in XXXX. I live in XXXX Meanwhile, they made online charges and emptied my accounts. They even said my mortgage payment was fraudulent, revoked that, and then spent that. This happened in a matter of 24 hours. I was in touch with the bank at the time, and they froze my account. 

I was in touch with the bank during that time and they were able to investigate the fraud claims and reversed nearly all of them except for two : Two {$300.00} ATM withdrawals that occurred in Florida in that same 24-48 hour period of theft. After receiving the initial denial of these remaining fraud claims, they told me to write them a letter disputing the claim. I did. They denied the claims again and revoked the provisional credit they had given me of {$600.00} during the height of the fraud resolution. 

After that, I had several interactions with USAA 's frontline customer service reps, as well as their escalated " Member Resolution Services '' teams. Every time I spoke with " Member Resolution Services, '' they said saw the problem and would consult with the fraud team about it. I never heard back from anyone on it until I called an insisted that a member of the fraud team call me. 

When I spoke with a member of the fraud team, they said the issue had been take to their " Account Takeover '' Division, which is different from the " Fraud '' Division. I never heard back from them. 

I called USAA again during the summer to demand a resolution to my third or fourth dispute of the fraud claim. They gave me another provisional fraud credit of {$600.00} while they investigated again. They again denied the fraud claim and revoked the provisional credit. I have had {$600.00} stolen from my USAA account as a result of this fraud. 

I requested all of the documentation used by the fraud/account takeover divisions to make this decision and will include it as an attachment. I told them I would be reporting them to the Consumer Financial Protection Bureau. After this case is settled, I will leave USAA.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have not authorized or participated in any transaction that would have led to this inquiries, and I request that it be removed and blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (LA)

So first, this company had a third party company show up to my house three times to see if I still occupied the residence in the process of me trying to communicate with them about loan modification. 

Second, I called Shellpoint Mortgaging Service LLC on XX/XX/year> to let them know that I do not plan to stay in the property and would like to do a deed in lieu of foreclosure to deed the house back to the bank. I was told that I have to put my house on the market for at least 4 months without an sale or offer in order to qualify for the deed in lieu. On today, XXXX XXXXXXXX XXXX, I had an appointment scheduled with an appraiser that was cancelled because I was not happy with the customer service and requested another appraiser. However, Shellpoint also sent an appraiser for the deed in lieu, which he informed me he was here to make sure the property was cleared out and no furniture was here. 

I still occupy my home, and am waiting for a new appraiser to contact me to schedule so I can know at least how much to list my house for, as per the qualifications for the deed in lieu. 

The amount of frustration I have to endure interacting with this company is asinine. Not only do they not communicate in a timely manner, they also don't seem to do anything correctly. 

I deeply believe this company is trying to force a foreclosure on my home, even though I am making multiple attempts to prevent that from happening. I've filed multiple complaints with the CFPB and the XXXX. My next step is taking this matter legal because this is getting out of hand. 

Shellpoint literally has THOUSANDS of complaints. Why are they still allowed to be in business?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (OR)

Subject : Complaint Regarding Unauthorized Credit Inquiry I am writing to file a formal complaint regarding an unauthorized attempt to apply for a line of credit using my personal information. On XXXX XXXX XXXX XXXX, I received a notification that someone had applied for a line of credit at Nordstrom using my information. Thankfully, the application was denied, but this fraudulent attempt has caused me significant concern. 

To protect my identity and prevent further fraudulent activities, I have placed a credit freeze with all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  Despite these measures, I would like to formally report this identity theft incident to the FTC for investigation. 

Additionally, I am working to have the unauthorized credit inquiry removed from my credit report and to ensure that my personal information is safeguarded. I would appreciate your assistance in investigating this matter and providing any advice or next steps I should follow to further protect my identity. 

Please feel free to contact me at the phone number or email address provided above if you need any additional information. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Hello my name is XXXX XXXX and I am contacting you because I stayed at the XXXX on XXXX XXXX and I use my cash app card to pay for my room which came out to {$400.00} with a return of XXXX when I checked out, So once I checked out I called XXXX today on XXXX XXXX to see had they took the hold off so i could get my security deposit back and they said yes they had released it on the XXXX of XX/XX/2024 and now it was up for cash app to put it back on my card, Which I contacted cash app at XXXX who I spoke to XXXX, XXXX before I ask to speak to a manager which after XXXX minutes a manager came on by the name of XXXX so after explaining the situation that XXXX and XXXX XXXX said XXXX released my money I would have to send my receipts or invoice from XXXX with the merchant name, contact number and it showing I didn't owe anything and the amount which I did so XXXX the manager proceeds to tell me yes usually we put the money back on once we receive the information we ask but it can take up to 30 days for us to released your money and if by then you still haven't received if call us back and will investigate and I'm not happy with that went through this with cash app last year and I thought by them they would gave their stuff together but apparently not.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (OH)

Discover XXXX  bank has placed my account on hold for no reason I have a XXXX $ security deposit My card was blocked because discover bank couldnt send a verification code to my phone. I called in to verify and even asked to send a picture of my ID but they are telling me that I need to have a phone number thats in my name in order for them to send me a verification code. But I am on my grandmas phone plan so I dont have a phone number thats under my name. They basically are telling me that I need a phone number on the account thats under my name in order to continue using my card and I feel like thats unlawful It doesnt say anything in the disclosure about having to have a phone number under your name. 

Nobody has an answer for me and there almost XXXX $ stuck in my account The supervisors cant help me either
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are 4 accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted Experian, XXXX and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX