davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/23 I transferred {$1800.00}, via XXXX XXXX USBank ) based on an e-mail that I received from my contractor. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my contractor 's name and the project details in the title and memo section with XXXX XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. I immediately called my bank, USBank, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the XXXX transaction as requested ''. I immediately called USBank again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. I then contacted my USBank Private Banker and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that XXXX Banks implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), USBank refuses to get the receiving bank to send the funds back to USBank. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, USBank continues to reject my claim. I believe that USBank committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. My contact at USBank is XXXX XXXX ( Sr VP Wealth Market Leader, XXXX, XXXX )
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (OH)

Received letter supposedly from court filing, but blank without dates, court stamp or judges signature, saying that default judgment has been found against me. This is currently untrue, as their motion for default judgment has not yet been granted.
Consumer complaint received 2024-05-23
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. (FL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MI)

I was given XXXX American Express gift cards. Amex advertises that " Funds Never Expire '' and the expiration date on the cards are listed as XX/XX/30. When I attempted to use them recently, I found that they were not active and that funds had been sent to the State of California for Escheatment. They are misleading in their explanation of " Funds Never Expire '' and the Expiration date printed on their card. Additionally, when I asked how I was supposed to request the funds from the State of California as there is no name on the card for me to search, I was not given a clear answer as to how to obtain the funds.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Urgent Request for Resolution and Deletion of Erroneous Account Information Dear Sir/Madam, I am writing to express my frustration and disappointment regarding the lack of response to my multiple attempts to dispute and validate an account reported by Nissan Motor Acceptance Corporation ( NMAC ) on my credit reports with XXXX, XXXX, and XXXX XXXX 
Since XX/XX/XXXX, I have sent numerous dispute and validation letters to Nissan Motor and the three major credit bureaus regarding this matter. Despite my consistent efforts, I have not received any acknowledgment or response from any of the parties involved. The details of my grievances are as follows : XXXX. Duplicate Account Reporting : I had previously lodged a complaint with Nissan regarding the duplicate reporting of an account to the credit bureaus. In response to Complaint # XXXX filed with the Consumer Financial Protection Bureau ( CFPB ), Nissan stated that they could not find any account under my name. 
XXXX. Lack of Validation : Despite sending multiple dispute and validation letters, I have not received any validation of the account in question. Furthermore, during my telephone conversations with Nissan representatives, I was informed that Nissan 's system could not locate any account associated with my name, social security number, or any of my personal information. 
XXXX. Verification by Credit Bureaus : It is extremely concerning that the credit bureaus continue to verify this account despite Nissans inability to verify or locate it. The credit bureaus ' actions are not only erroneous but also misleading, as they suggest that the account is legitimate when Nissan has explicitly stated otherwise. 

The continued presence of this unvalidated and erroneous account on my credit reports is causing significant damage to my credit profile and financial well-being. As I have exhausted all other options, I am now demanding the immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX. 

The lack of response and resolution from both Nissan and the credit bureaus is unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I will have no choice but to escalate this matter further, including seeking legal remedies to protect my rights. 

I request a written confirmation of the deletion of the erroneous account from my credit reports within 15 days of receipt of this letter. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (MO)

I have a couple issues with this company. We were with XXXX XXXX for many years and when we were down to our last payment we were sold to Mr. Cooper XX/XX/XXXX. I sent check number XXXX in the amount of {$1100.00} on XX/XX/XXXX to payoff my mortgage. I noticed that the check didn't clear so I called Mr. Cooper and they claimed they never received my check and my payoff amount would be {$20.00} more. I sent them check number XXXX in the amount of {$20.00} and that check cleared my bank but check number XXXX never cleared. I called Mr. Cooper on XX/XX/XXXX and was told my payoff amount would now be {$4500.00}. I discovered that they were including my real estate taxes in that amount. My check number XXXX cleared XXXX XX/XX/XXXX, they had the check the whole time. I found out that they paid my real estate taxes unnecessarily. XXXX XXXX paid them on XX/XX/XXXX and Mr. Cooper paid them on XX/XX/XXXX so in order for me to payoff my mortgage I had to pay Mr. Cooper for their mistake and I wire transferred the payoff amount to them on XX/XX/XXXX and we received a paid in full letter from Mr. Cooper. In XXXX XXXX XXXX XXXX sent a check to Corelogic, a tax agency that works with Mr. Cooper for my real estate taxes that XXXX over paid but as of XX/XX/XXXX they never cashed the check so they are holding my money. I paid that so that amount is due to me. My second issue is that on XX/XX/XXXX I received an email from the 2 credit agencies that monitor out accounts and said that our credit rating dropped XXXX points because Mr. Cooper claimed that we did not pay our XXXX payment. I did pay it but they held the check. Because we were new to Mr. Cooper they gave us 60 days to make a payment. I called Mr. Cooper on XX/XX/XXXX to get them to straighten this out since AGAIN it was their error. I have never had my credit rating drop. I have not heard from Mr. Cooper or our credit agencies that anything has been corrected. I tried to call Mr. Cooper but since my loan is paid the only give me 3 options and since none of the options fit my complaint the computer hangs up on me. I am tired of dealing with this company. They owe me {$3400.00} and they need to correct my credit rating. Mr. Cooper has made a nightmare out of what should be a wonderful time for my husband and I paying off our mortgage. They should be shut down, they are completely incompetent. I apologize if this sounds like ranting but I have been dealing with this company for 6 months. I wait to hear from you. Thank you for your time.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

14 open reports for loans. Tried to get consolidated into showing one or 2 open accounts. Can not seem to do it. Also campus at coldwater, Michigan is no longer there. 
Never was told XXXX was a private college which meant qould have to take out subsidized and unsubsidized to cover tuition and books that pell grant wasn't big enough to cover. 
Books were as high as XXXX dollars and when semester would end the student bookstore wouldn't take nine tenths of them- claiming outdated or would give u XXXX to XXXX dollars Never notified me of coldwater branch of XXXX campus closing
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-23
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FinCo Services Inc DBA Current (NJ)

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX  card for {$2000.00} current card for {$550.00}XXXX XXXX XXXX for {$2500.00}
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-08
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. (OR)

This account was charged off on the following date : Date Opened : XX/XX/2022 since then the account has repeatedly been updated as charged every month. This is an update on the payment history. A charge of account shouldnt include an active payment history. this inaccurate information falsely manipulates the statute of limitation. please investigate this account properly after I asked you to do it twice and your neglect has violated my rights, I am demanding a deletion of the following Account : Creditor Name XXXX XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mullooly Jeffrey Rooney & Flynn (NY)

For the XXXX time ( 2016 ) I was contacted through mail from XXXX XXXX XXXX that I owe money to their firm. I have enclosed my judgement  proof of XXXX ( Supplemental Security Income ) as well as XXXX XXXX XXXX check stubs to provide proof of my claim
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

On Sunday XX/XX/year> I applied for a Wellsfargo credit card. They denied me. It is unlawful to do so per 15 subdivision 1611. My unlimited credit. False and misleading denial of my own credit. I am asking the underwriters to list all factors involved in this consumer transaction not not credit transaction.

15 usc ( United States Code ) 1692 furnishing certain deceptive forms.

You asked me for my social security number as well. 42 usc code 408 says clearly asking for a social security number on any credit loan transaction is a crime because we have no lawful money. You ask me for my social security number to protect my identity is a ly. This is to get access to my trust as a authorized agent. 


Any person or corporation who is doing these unlawful activities be prosecuted to the full extent of the law.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-12
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Complaint Number XXXX against Bank of America, now has their denied as : When a transaction is made in person, the consumer has the opportunity at that time to inspect or reject the merchandise. If the merchandise is later found to be unsatisfactory, defective, or incomplete, credit is at the merchant 's discretion. Without a credit slip, we're unable to assist you further. 
When a company try to scam you, there's no way we a senior consumer will aware and know we have to inspect before we left, also the tour 's guide rushing us back to bus and left immediately. 
XX/XX/2018 I also try to contact merchant again but fail. Please see all attach as ref. 
When I get fails for reply, I even try to give merchant XXXX email than XXXX, maybe XXXX has no XXXX. But I am unable to get hold with merchant, and BOA can not use this to against me and force transaction go through to get me as victim for this sales.
Consumer complaint received 2024-07-08
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3900.00} has violated my rights 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.