davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

Hello I hope to please leave this message in order to get someone ... anyones attention so i beg you please dont turn a blind eye to this ... ..I have a son and im going through a pretty hard time right now this isn't in any way trying to make you feel sorry for me I just don't know who else to turn too... I attached a document below that shows a " bank mobile XXXX XXXX  ) bank account printout with also my debit card right beside it.youll see also on that bank statement other XXXX cash '' advances from days before the date in question which was XXXX XXXX. On XX/XX/XXXX and XXXX that same week I did two other instant deposits through XXXX XXXX  onto my bank mobile card. Onc yet e the funds go into my bank mobile account I went over to my usual bank which is XXXX  why you ask wouldn't I just use my XXXX debit card ... .. Because on XX/XX/XXXX XXXX had caught some illegal activity and shut my current debit card down and I rarely use bank mobile for my banking options but it worked just fine two times before that in that same week you can see on the statement ... ... now.. if you haven't lost interest yet im very sorry... .when I instantly transferred the funds to my bank mobile account I expected it to work like twice before that but for some reason I had XXXX dollars deposited I chose to withdraw XXXX dollars and it was declined ... .. this was last Thursday, I spent most of that day on the phone with bank mobile XXXX driving back too XXXX two more times all the while completely broke without a dollar to my name begging bank mobile to do something about this, they kept telling me to go back ton XXXX so I did twice!!!! by this point im starving haven't eaten since the day before and just completely enraged and I can't even talk to the customer service properly because they barely speak English. So XXXX when I go back their can't even really do anything for me since I used a card that wasn't from their bank which I understand but bank mobile tried to put it on them repeatedly they acted like since the XXXX bank wouldn't release the funds its just lost out in outer space bank XXXX land so they told me too wait 5 days to see if it would show up in my XXXX account ..... I was so upset I said that's not going to happen, XXXX told me that's not going to happen and now it's been 7 days and imm still just as broke as I was last Thursday. aND WHEN I CALLED THEM TODAY THEY SAID I CAN NOW FILE A CLAIM WITH THEM BUT IT WILL TAKE TEN MORE DAYS TOI GET AN ANSWER MEANWHILE WE CAN BARELY UNDERASTANDS ONE ANOTHER.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have contacted both Nation Star Mtg. and XXXX on numerous occasions to get this rectified. I closed on a previous house that I owned on XX/XX/XXXX, with Nation Star as the mortgage holder and XXXX holding the flood insurance. I contacted XXXX and sent them documentation to show that the loan was closed in XX/XX/XXXX, because I received documentation saying that a bill was due for the year XX/XX/XXXX - XX/XX/XXXX. I was told that Nation Star made the payment in XX/XX/XXXX for the year XX/XX/XXXX - XX/XX/XXXX, who has changed their name to Mr. Cooper. Nation Star,  was notified in advanced from the attorney of the property and myself about the closing of the home. XXXX, advised me to send the closing statement to them again, which I did. I still received statements, showing that a payment needed for XXXX - XX/XX/XXXX. I called XXXX main number and I was told that there was not anything they could do, but the individual agent. I then called Nation Star and they said that once payment is made it is out of their hands. I am asking for help to have this rectified.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The XXXXXXXX stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer. 
These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( 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.

Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :.

Secondly, according to 15 USC 1681,. The law clearly states :.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer 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 subchapter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am writing to formally lodge a complaint against the major credit reporting agencies ( Experian and XXXX ) for their continuous violation of the Fair Credit Reporting Act ( FCRA ) regarding the verification of public records on my credit report. 

Over the past several months, I have made numerous inquiries directly with these credit reporting agencies, as well as through the CFPB, requesting the specific method of verification used when dealing with disputes related to public records on my credit information. Despite my persistent efforts, the responses I have received from these agencies have been unsatisfactory and in violation of the FCRA. 

The credit reporting agencies have only provided a general explanation, stating that they utilize a third-party service for verification. However, I have specifically requested the following details, which have not been provided : 1. The exact name of the third-party company used for verification. 
2. The name of the person who verified the information.

3. The date when the verification was conducted.

4. The contact information for the person or entity who performed the verification. 

This lack of transparency is a direct violation of my rights under the FCRA, which mandates that consumers are entitled to know the precise method of verification for disputed information on their credit reports. 

To further support my complaint, I have attached a letter from the United States XXXX  XXXX. This letter explicitly states that the court does not report information to credit reporting agencies nor do they verify or validate information in consumers ' credit files. This clearly indicates that the credit reporting agencies ' claims of using a verified method are unsubstantiated. 

The continued refusal of the credit reporting agencies to provide the requested specific verification details or to remove the inaccurate public records from my credit report is unacceptable. Therefore, I am requesting that the CFPB take immediate action to bring these agencies into compliance with the FCRA. Specifically, I request that the CFPB : 1. Compel the credit reporting agencies to disclose the exact method of verification used, including the names, dates, and contact information of the verifying parties. 
2. Alternatively, mandate the removal of the disputed public record items from my credit report if the agencies can not provide the requested verification details. 

I trust that the CFPB will address this issue with the seriousness it deserves and ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-01-12
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. (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (CA)

Upon selecting the option of making my XX/XX/XXXX payment due of {$3400.00} online with a statement balance of {$3400.00}. I received a receipt from American Express for {$3000.00} payment. From this point i was not able to login back into my account online, and attempts to call to investigate why i received a receipt for a different amount were unsuccessful because i kept getting hung up on while being transferred. I then receive next payment due reminder in the amount of {$1600.00} due XX/XX/XXXX, which left me under the impression that it was just a small error and my last payment was taken in full. I also received two merchant credits to my account in the amount of {$33.00} & {$250.00}. Through the following week I attempt to make my XX/XX/XXXX payment online unsuccessfully because American Express 's website would not allow me to login. Given that i was out of the country this was my only option to make payment. Upon arriving back in the states on XX/XX/XXXX i call Amex to make payment, and was told i had a 31 days past due. I did not receive any notice of any past due amount owed. This mistake has been reported on my credit and has taken my score down over 50 points! I have never been late on over the 5 years i have been with Amex.
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (FL)

I have asked the GLA Collections for help resolving the debt, but I will need a physical copy of a bill or itemized statement. They have been sending me on a wild goose chase since XXXX. I need this removed from my credit report. If documentation can not be provided, that would be fair.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have been trying for several weeks to get my credit report. I even uploaded my Social Security card, drivers license and proof of residence 3 times and have yet to hear back! I even contacted XXXX through the membership email and they commented back once and then now they wont respond at all
Consumer complaint received 2024-01-12
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. (NM)

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 2024-01-12
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. (NJ)

In Addition to the accounts and hard inquiries on the Identity Theft Report. I will like to add the following fraudulent account reporting on all three credit bureaus ( XXXX, TRANSUNION, XXXX ). Last the ONLY mailing address that should be on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX, all others are not mine. 15 USC 1681 XXXX XXXX Account # XXXX Amount {$7000.00}
Consumer complaint received 2024-04-06
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. (SC)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 1666B : A 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 2024-01-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX
Consumer complaint received 2024-01-12
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)

an 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. 

TRANSUNION : Account Number : XXXX ( XXXX XXXX  ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
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. (CO)

In accordance with the FCRA, the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681 .15 usc 1681 ( a ) states i have a right to privacy. 15 usc 1681sec.604 a section 2 states a consumer reporting agency can not furnish an account without my written instruction. further each company 's disclaimer clearly state they must have my consent to share my information. 15 usc 1681 c ( a ) ( 5 ) states any adverse information. 15 usc 1681s 2 ( a ) ( 1 ) a 681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. account number XXXX, account XXXX, account number XXXX, account number XXXX, account number XXXX
Consumer complaint received 2024-05-25
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: AMERICAN EXPRESS COMPANY (NJ)

My cousin on XXXX said she received {$100000.00} grant from this guy. I asked about it and XXXX XXXX XXXX contacted me and wanted XXXX gift card to pay processing fee. I was unable to leave the house to get the gift card due to broken hip and walker use. Finally used XXXX ( American Express ) to send {$1500.00} only because my cousin vouch for him. They spoofed her XXXX account. It wasn't until I called her ( she did not know about it and finally blocked him ) Then I realize it was fraud, too late. Unable to stop transaction as it was friends and family on XXXX. I opened a case with the FBI as well. I'm a 60 % disable Veteran.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings (VA)

Due Too the company XXXX XXXX put a judgement against me that I was not aware of until now XXXX, XXXX  they did not take me to court for this issue or notify me I also have witnesses that can state the property damages were already there when I moved in so I don't think the damages were my responsibility. I can also state I was pregnant and had my baby there was no ac in the home for me and XXXX kids and we had to buy a XXXX unit to keep cool in XXXX room also the railing was bad and as well the property only was in good shape for the time being of my inspector to inspect the unit. also the unit walls wasn't properly fixed and the electrical sockets would not work the whole unit was just rigged up. I notified the complex of the issues they were not resolved so now there trying to put the damages on me.
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (OH)

I did not realize how high my interest rate was going to be it is 150.4 % and I can not financially afford to even pay my bills right now. Im paying {$190.00} per pay check and only {$21.00} of that is what Im paying towards the {$3000.00} I borrowed.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!