davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Pressler & Pressler, LLP (NJ)

XXXX XXXX is suing me for {$1200.00} in a civil suit. I have already registered a complaint against the nefarious activities of XXXX XXXX. As noted there, this lawsuit has caused mental, emotional, and physical harm. And this lawsuit has stolen a job opportunity from me to become a XXXX XXXX for XXXX  and XXXX XXXX. 

As an XXXX XXXX XXXX XXXX XXXX I know firsthand what sort of financial peril lies in waiting for this population ( e.g., civil suits such as this one ). And to rob me of this opportunity robs the teacher and nonprofit community of an excellent advisor who would serve their highest interest. 

Here, I would like to file a complaint against the attorneys representing XXXX XXXX in this case : Pressler Felt & Warshaw. 

In XXXX, they signed a consent form prohibiting them from automatically filing lawsuits without documentation- with only affidavits as precedence. 

They filed this civil complaint against me through automation and initially filed it with no documents attached. 

Additionally, this debt is registered to a mailing address in XXXX which I still use. I never stopped receiving mail at the address in PA. I live in New Jersey, and that is where I'm being sued. The debt is time-barred in PA. And neither XXXX XXXX nor their lawyers sent me correspondence about this debt or delivered the complaint to a valid address ( though the address in PA was listed by the original creditor as my mailing address ). 

In this case, Pressler Felt and Warshaw are in violation of their XXXX  consent form. And they committed violations of Section 808 of the FDCPA, 15 U.S.C. 1692f, FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ), and FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I called multiple times and I was advised by your representatives to submit my disputes via letters. I've been sending you guys letters for the past 7 months and no one helped me or even deleted anything from my report. This is ridiculous I can't take this anymore. I want to buy a house and this is holding me back from doing so. Therefore if these accounts are not deleted within 30 days I will take legal actions and file a law suit if needed. Credit reporting rules require that every effort be made to guarantee that the information disclosed is entirely accurate and correct. Only 100 % accurate credit information may be reported by agencies. This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded.
Consumer complaint received 2024-07-04
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (KS)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (AZ)

I have been trying to make my XX/XX/XXXX  mortgage payment for weeks and this company has been impossible to get a hold of. 

I'm under a XXXX  XXXX bankruptcy so Loancare LLC took away all access to their online portal and online payments so I have to call in each month to make my payment but they're making this impossible. Also due to bankruptcy, they no longer send me any account statements. I have no information for my loan. 

On XX/XX/XXXX, I called them 3 times and received a recording stating " if your receiving this message during normal business hours we're sorry '' and then the line disconnected. 

This same thing happened again on XXXX XXXX too. 

On XXXX XXXX I called and was greeted with a recording stating they are " experiencing a security event and are unable to take calls '' and then again, the line disconnected. 

XX/XX/XXXX, still trying to make this payment, I call in again and am greeted with another recording saying that agents do not have access to any loan information at this time. I waited for 20 minutes to talk to somebody before I couldn't wait anymore. 

This is ridiculous and impossible. I'm just trying to make my payment before its 30 days past due but this company is not giving me any chance to do so. 

No information about this security event is available as their entire client facing website has been down to even try and get information from. 

As a consumer I deserve to know what this security event was as it clearly is impacting me. Is my identity safety at risk? I also deserve a REASONABLE way to make my payment. I will not wait on hold for hours especially when they don't even have access to any loan information.
Consumer complaint received 2024-07-04
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-02-27
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: Army and Air Force Exchange Service (NC)

Subject : Cease Unauthorized Credit Reporting Immediately In Accordance with North Carolina FCRA and Identity Theft Laws Dear MILITARY STAR, I am compelled to address a serious violation concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft laws, notably North Carolina General Statutes Chapter 75, Article 2A.

It has come to my attention that MILITARY STAR has engaged in unauthorized credit reporting without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically North Carolina General Statutes Chapter 75, Article 2A, emphasizes the necessity of consumer consent for credit reporting. This statute establishes clear guidelines for fair credit reporting practices and highlights the severity of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for MILITARY STAR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and potentially damages my creditworthiness, in clear violation of federal and state laws. 

I demand, with certainty, that MILITARY STAR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Chapter 75, Article 2A. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft laws. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MILITARY STAR will promptly rectify these violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-02-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: eMoneyUSA Holdings, LLC (TX)

Although I have made a payment towards my loan and have clearly expressed my intentions to pay back this loan whenever I have income coming in, EmoneyUSA continues to threaten and harass me with reporting me to local authorities for fraud or sell my information to other agencies for further collection efforts. I just made a payment of {$80.00} as of XX/XX/XXXX and they continue to harass me by threatening further collection efforts. When I lost my job and had no income coming in after I received the loan, I immediately expressed my situation to EmoneyUSA and asked for options to help me pay back while in my situation. They refused to work with me and threatened to report me to the authorities for fraud despite expressing clear intentions of paying back the loan and explaining my situation I had no income coming in at that time. I started a new job but was told misinformation Id start XX/XX/XXXX when in fact, my start date was pushed to XX/XX/XXXX causing a major delay income and not being able to make the first payment by XX/XX/XXXX. This circumstance is beyond my control and all I can do is pay back when either tax refund money or first paycheck comes in.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MO)

I paid {$160.00} a month for about XXXXyears plus ; around XXXX. They gave me the option to refinance my loan and they asked me if I had any vehicle paid off as collateral, I advised yes, which was odd to me because I had answered that on the previous loan. So the loan officer asked me again and I said " yes '' provided the loan officer the year, make and model of my paid off vehicle. Next thing I know, I get a letter from my insurance company in XXXX or XXXX telling me to add One Main Financial as the 'lien holder '. It was a huge shocked to me and set back because I could not sell my vehicle until I paid off the loan with them. I contacted them once I realized what they sneakily did and I asked them I did not sign up for a title loan, and the woman on the phone said " you have nothing to worry about if you pay your loan on time. '' I told her if I would have known that I would not refinance the loan. I was livid because I wanted to sell my car to purchase another car.
Consumer complaint received 2024-01-03
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. (OR)

On XXXX I received a letter in the mail asking for a copy of my tax return to complete an application for credit that I did not initiate. After contacting the sender and reporting the application as fraudulent, their representative suggested I contact the credit bureaus and place a freeze on my credit, in addition to pulling a copy of my credit report. 
On XXXX, I attempted to pull a copy of credit report from Experian to check for other fraudulent activity, but Experian 's website would not allow me to login, and suggested I call them at XXXX. 
I called XXXX several times in an attempt to fix my issue with logging in, and Experian appears to have an automated system that is designed to frustrate callers into giving up on trying to reach a live agent. The automated system stated it would send me a temporary password and a reminder of login name via email, but would not confirm what email address. 
When I finally spoke with an agent who identified herself as XXXX, she had me confirm my identity and while reading me the security questions, interrupted me several times, and then selected " none of the above '' for my checking account number verification, without me instructing her to do so. 
When I asked XXXX to speak with a supervisor, she declined to transfer me immediately, and I informed her I would be filing a complaint with the CFPB, as I had informed her I had multiple checking accounts and was reading off the checking account numbers to her one at a time, to see if any of them matched one of the possible answers to the security questions she asked me, before she interrupted me multiple times and had eventually selected an option for me, without me instructing her to do so. 
XXXX eventually transferred to a supervisor named XXXX, who then told me she would let the management team know about XXXX 's service, and agreed to assist me in logging into Experian 's website. The supervisor XXXX stated that she was unable to access the security question that XXXX was provided, and as a result, she would need to wait 72 hours in order for the system to generate new security questions to allow me to attempt to fix my access again. 
So in the end, Experian was successful in their efforts to prevent me from pulling my free credit report in order for me to identify any other fraudulent credit activity.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XX/XX/24, I discovered a fraudulent transaction involving MoneyGram US. The transaction occurred on XX/XX/24 in the amount of {$1200.00}. This money was taken from my personal checking account by an unknown party and was transferred to an unknown recipient. My wife and I do not now, nor have we ever, had an account with MoneyGram. We do not now, nor have we ever, utilized MoneyGram 's services. 

On XX/XX/24, I contacted MoneyGram US, part of MoneyGram International and MoneyGram Payment Systems ( collectively " MoneyGram '' ), on XX/XX/24. MoneyGram discovered a fraudulent account established with them that was used to facilitate this fraudulent transaction. I requested to file a fraud report, they declined. I requested additional information on the fraudulent account and the fraudulent transaction and was told that absent a subpoena, they would not provide any additional information as they needed to " protect the privacy of the parties involved ''. The information I was requesting is necessary to file a police report and to begin a fraud dispute with my financial institution. 

MoneyGram is clearly more concerned about protecting its relationships with the fraudsters in order to ensure no disruption to its revenue streams and has nil concern for consumer protection. MoneyGram is profiting/benefiting from its relationship with the fraudsters thereby making them complicit in the commission of a crime. MoneyGram, through its poor internal controls and lack of consumer protection, is aiding ( providing support and assistance ) illegal activity, abetting ( encouraging ) illegal activity, and is an accessory ( assists with the commission of a crime ) to illegal activity. 

While this is one instance of this behavior ; I am confident that an examination of MoneyGram 's records would demonstrate a continued and consistent history of similar conduct and would demonstrate a pattern of behavior for which MoneyGram should be held accountable.

MoneyGram is no stranger to committing various financial crimes and has a history of non-compliance; including aiding and abetting wire fraud and failing to maintain an anti-money laundering program. It is obvious that MoneyGram continues its dubious behavior for the benefit of their profit and to the detriment of consumers. Certainly, in this instance, to my detriment.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-04
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)

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 Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (WA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XXXX of XXXX a dispute process was completed with transunion regarding a rental application I was denied on with the basis of that denial being an erroneous XXXX degree XXXX XXXXt historical item that belongs to the person who stole my identity. I furnished an Identity theft document provided to me by the Colorado Bureau of Investigation 's fingerprint analysis department and Identity Theft unit to that effect and they ( Transunion ) said that the erroneous derogatory item was suppressed or removed from my transunion report. However, on Monday XX/XX/XXXX a new rental application was autodenied because of this same erroneous derogatory item. It was supposed to be removed in XXXX of XXXX. I am complaining because I am at risk of homelessness and its because renters think I'm a XXXX XXXX and I am not. It was transunion 's responsibility to suppress or remove the erroneous record a ross all of their products and consumer reporting and they did not follow through. I need transunion to immediately remove the wrong information and contact the landowner or landlord to correct the false information.