davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card.
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NJ)

I have no knowledge of this account and have not been given any information from the collector. No calls, emails, or mail notices have been given to me about this debt. All medical expenses go to my insurance and are paid through XXXX. My primary care provider, XXXX XXXX, also stated that I have no outstanding medical expenses.
Consumer complaint received 2024-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I used my Capital One credit card to purchase the delivery of XXXX XXXX. The XXXX XXXX never arrived. When I reached out to the retailer, they refused to give a refund. Because of this I reached out to Capital One to utilize a chargeback. Despite providing all necessary and requested information, Capital One has refused to process the chargeback and has not given a detailed explanation of their decision.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CMG MORTGAGE, INC (MI)

XXXX XXXX  and CMG Financial dba CMG Mortgage forced a sale on my estate family home. XXXX XXXX  received my mortgage application and it was deposited into the bank. The mortgage note/promissory note is what is the security that is really being used and Statewide Mortgage did not disclose this nor did they state the estate was NOT required to pledge the family home as repayment when the Federal Reserve says National Banks are barred from doing this very thing. 

CMG Financial was transferred the note months later and they took possession of the note that was tied to the contract between the estate and XXXX XXXX. The note pays out interest monthly due to it being pooled with other notes and sold. This note has been sold over 200 times and made millions while XXXX XXXX  and CMG Financial have made monetary gain from my estate financial asset they have not compensated me nor did they apply the equitable interest from escrow that would have settled any alleged debt.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (PA)

Discover continues to try reach to reach me through my employer 's number. The first time I sent an email notifying them that I am not allowed personal calls at work and that they can not contact me at work. They have continued to do so.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX . 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 an 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 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

At the end of     XX/XX/XXXX /beginning of  XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the  2 l etters I 've written to their customer service.       XXXX   XXXX    2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of   XX/XX/XXXX  was for  XX/XX/XXXX  p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX .  Please correct this. I will send   XX/XX/XXXX   payment later this month. Thank you.       On   XXXX   XXXX    2017 I sent  : To whom it  may  concern : My last payment at the beginning of   XX/XX/XXXX  w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX  . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of   XX/XX/XXXX  t o reflect this and follow my wishes for payments in the future. Thank you.     As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time.     To anyone considering a mortgage, I would have a clause written in that the mortgage  may  never be sold to, bought by, etc. Ditech,  Greentree  or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.
Consumer complaint received 2024-02-03
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: AMERICAN EXPRESS COMPANY (UT)

I have an American Express Serve card. ( Prepaid ) On XX/XX/XXXX at XXXX XXXX  I loaded {$400.00} cash in {$20.00} bills at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah XXXX 

I used the Amex Serve app that is connected to the card and added money using the barcode that appears when I chose XXXX as the retailer location. 

The transaction went through and I got XXXX transaction receipt and a XXXX receipt showing the activation or approval for the prepaid reload. 

I also got the XXXX mgr to provide proof that the transaction wasn't voided. I have that printed out as well. 

I called Amex at XXXX XXXX times at least. I spoke with their XXXX dept where they kept telling me to call back later and to wait for the transaction to post. Even though its advertised to post immediately. They could not find any transaction reloads for XX/XX/XXXX. They said they could not open a dispute without some type of record. I finally got them to open a dispute and gave me an email of XXXX to send them receipts. But all the emails were undeliverable. I called back to make sure I got the right email but the rep stated that there wasn't a dispute open for that card. The call then dropped. I didn't get a call back so I called back again,. the rep stated that the last rep did create a dispute and gave me a dispute number. I can provide that if needed. But, each rep seemed to be putting me off. I asked about the receipts and they stated I would receive an email from them with directions on how to upload the receipts. I still have not recieved an email from them. 

On the XXXX I also called XXXX Customer service and spoke with a manager or someone from their accounting or financial dept that stated that they could not help unless it was a XXXX prepaid card, and even if we filed a dispute they would just send an inquiry to the XXXX XXXX card. 

As of today XX/XX/XXXX at XXXX I still have not recieved the funds in my XXXX  account or received the email from Amex XXXX  about the dispute and how to upload info. I feel like neither company is wanting to address this and that I will not get the money deposited to my account. 

I have loaded several times from XXXX and the money shows up immediately so I know the Serve app works and I feel like this is an issue on the XXXX side primarily, but, I can't be sure.
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have unauthorized inquires from companies I don't know and that I haven't personally applied to myself I called and sent disputes that didn't work. 

They violated my right as a consumer under the Fair Credit Reporting Act ( 15USC 1681b ( a ) ( 3 ) ( B ) )
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: LEXISNEXIS (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.

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 2024-03-01
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: Worth Finance Corporation (TX)

Subject : Cease Unauthorized Credit Reporting or Face Legal Action - Compliance Required under Texas FCRA Identity Theft Fraud Laws Dear WORTH FINANC, I am addressing a serious breach regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, particularly Texas Penal Code Section 32.51 . 

It has come to my attention that WORTH FINANC has already engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal law, stipulated in the FCRA, unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In alignment with federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code provides explicit directives for the equitable reporting of consumer credit information. Concurrently, identity theft fraud laws, such as Texas Penal Code Section 32.51, accentuate the gravity of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not granted consent for WORTH FINANC to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant infringement of my rights, potentially resulting in harm to my creditworthiness and a flagrant disregard for federal and state laws.

I demand, unequivocally, that WORTH FINANC immediately desist from further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the designated 30-day timeframe will be deemed as intentional noncompliance, subject to penalties under relevant laws, inclusive of identity theft fraud laws.

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under these specific provisions of the FCRA, Texas state law, and identity theft fraud laws. This is not a matter open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I anticipate your immediate attention to this matter and expect WORTH FINANC to expeditiously rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (IA)

Well my mortgage was purchased by Amerihome Mortgage Co. And during that time they raised our rate based on a miscalculation on their end with our escrow account that resulted in the monthly rate going up. Then they sold the mortgage to XXXX XXXX. In that sale they failed to transfer the sum of {$3100.00} in our escrow from them to XXXX XXXX. Which they did within days of being notified that it was their error that caused our monthly payment to go up. Not notifying XXXX XXXX of this our rate is still higher than it is supposed to be. Also since they didn't file the sale of our mortgage correctly it showed that it was closed and reopened as a loan which resulted in not only my credit score dropping drastically, but my significant other who is also on the mortgage as a secondary experienced the same hit on her credit.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OH)

I called the usbank at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX at home and asked the customer service Dept at usbank how could I make a Cash advance from my pay roll credit card called Wisely credit card of XXXX to my usbank checking account Online but she for this service you would have to go into the local usbank so I went to usbank on XXXX XXXX in XXXX XXXX Ohio XXXX grocery store and inside of XXXX XXXX store is a usbank. And the XXXX  Teller told me when I went up to the counter and had requested a Cash advance and XXXX money orders and withdrawal for XXXX and a cash adavance of XXXX my Wisely credit card on to my usbank checking account but the girl teller claims that the computer shut down and I would have to wait an hour before the computer shut back on and when they did come back on she gave me my money orders and she claimed that you Cash advance was completed and when I got home I checked my Bank account to see if the XXXX was in my usbank checking account but it was not there so I called Wisely credit card and asked the Lady where is my XXXX that usbank just did a Cash advance for and she said we sent that money to zaragara market place in XXXX Ohio and she said I bet you that XXXX is sitting up in XXXX XXXX place in XXXX Ohio so I contacted usbank to file a dispute but they refused to let me file a dispute for XXXX that I did not authorize to go to XXXX XXXX place in XXXX Ohio XXXX And after I found out that they did not want to credit me for all the money they had taken out of my usbank checking account because of the XXXX had made my account withdrawal or insufficient funds and they did not want to credit me back because it was not my mistake it was there and every since I started getting direct deposit check into usbank checking account they withdrawal XXXX XXXX times just before I get my check every week and I have some recurring payments that I did not authorize and since they found out i had contacted the office of comptroller of the currency in Texas they had the recurring accounts changed earased and just took my money. Every week I get charged {$36.00} XXXX times from the bank.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

I held money in my savings account with intentions on using the funds for a large purchase the sum was XXXX XXXX Upon moving the funds to my checking because they were still available to me, from what Ive been told, Navy Federal also withdrew the full amount of my savings and moved it to my checking without my knowledge or approval. This made my Savings negative. I have no proof of the funds being used and no answers as to why such a large amount was moved. When trying to talk to Navy Federal a woman just told me thats their policy and hung up on me. Now they are threatening to charge off my account.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (IL)

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-24
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. (NY)

I have tried to access my reports its telling me im XXXX I dont know XXXX  or most of inquiries on my credit report experian is treating me as if im committing fraud please let experian know im XXXX XXXX and give me access to my reports
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: CLGF Holdco 1, LLC (WI)

An ordinance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Code SS 1681a - Definitions ; rules of construction- Exclusions except as provided and paragraph the term " Consumer Report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making a report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelson Cruz & Associates LLC (CA)

On XX/XX/XXXX I checked my XXXX score on XXXX. It shows that I have an account open at Nelson and cruz associates. I do not know who these people are and was not contacted to resolve the debt before it was reported on my credit. I do not owe money to these people and I would like it removed feom my credit report.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I receive bills stating a late fee will be assessed immediately after the due date. I have recently been have an issue related to the keyless remote which can be a fraudent call to XXXX to have the vehicle key disabled. I am working with XXXX XXXX XXXX to schedule an appointment for a diagnostic evaluation. I have to use XXXX to have the vehicle possibly towed from the garage. 
The financial burden for the repair and incident is not appreciated based my other financial obligations.