davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had Money in my SavingXXXX. We did not know there was a Check from USAA sent to our account. We did not even know. The money came and went out the same day to another Account of Our 's than the money from that other account was gone everything in one day. 
XXXX said sorry but it was not there fault. 
We called USAA because it was drawn under USAA was made to XXXX XXXX but the was not our signature. They also refuse to help us. They froze my accounts without letting us know.They telling us it was fake check one for {$3000.00} and {$2500.00}. Nobody wants to take the blame. Large amount both banks should have verified the checks called us but nobody did. 
We need help to get our {$5500.00} back. Is my money somebody is responsible either XXXX or USAA. I am very upset. This caused big problems between me and my Spouse. 
Please help.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This is getting ridiculous. It appears you are all criminals and I am not sure why the CFPB keeps closing cases that have not been addressed. Again, you closed complaint # XXXX with no legitimate basis to do so. XXXX XXXX was accused in my initial complaint of engaging in blatant XXXX discrimination and for manufacturing and providing frivolous flimsy excuses as basis for denying an account opening. They blamed XXXX XXXXXXXXChexSystems as providing them some frivolous report that they claimed they used to render a bogus decision. Yet when I file a complaint with the CFPB demanding that what report of information was provided to XXXX XXXX be provided to the customer, XXXX XXXXChexSystems refused to provide the report and they closed that case unresolved. When I refile the complaint, instead of getting the report from XXXX XXXXChexSystems , I have yet another joker refuse to provide the information requested and the complaint closed. WHERE IS THE REQUESTED REPORT? And who the XXXX, is XXXX XXXX XXXX? I am starting to loose track just how many frivolous entities are involved is this frivolous scheme. I am demanding that XXXX XXXX/ChexSystems provide the requested report that they supposedly provided to XXXX XXXX  . You know who the XXXX is filing the report here.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

This is a complaint following my previous complaint : XXXX. I applied an Amex XXXX XXXX XXXX in XX/XX/year>, and Amex promised XXXX membership rewards after I spent {$10000.00} more. However, Amex refused to give me the rewards and said I am not eligible. 

I have read Amex 's response carefully, and did not believe Amex told the truth : 1. Amex said " We advised you were ineligible '', which is not true. I did not see the notice during the application process. As a reliable company, Amex should keep a record about this. However, all I was told was " we have a standard process ''. Did Amex check if there was technical leakage and their logs?

2. Amex said " We did not find that this offer was rescinded as a result of you advising that you would be filing a regulatory complaint as you indicated in your complaint. '' The customer service person clearly told me " If I filed a complaint, Amex will not give me that offer ''. Otherwise, there is no reason I would reject the offer ( if you consider the offer is kind of free rewards ).
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (OK)

Went to a American First Finance for furniture. It was around the holidays, I applied for a line of credit which I received to purchase the furniture. Their was a Pay to lease, I realize that there was only 110 days to payoff the original cost of {$2300.00}. I pay XXXX every XXXX weeks. It is months after this time line. I have called multiple times to work out a deal. The first deal was a settlement of XXXX, XXXX dollars. Which they claimed XXXX, XXXX was remaining due to the leasing agreement. I found this unacceptable due to the furniture cost and That 110 days was not a sufficient amount of time. I called a second time, spoke with a supervisor and explained the situation I had XXXX XXXX and needed to pause payments. The supervisor offered me a XXXX dollar settlement on top of what I have already paid. The deal was that I only had 30 days to pay this and could ask for an extension. I just cant get the money together. They call and text non-stop. Now my credit is on the line, while I search for a home. How is this allowed, they set me up to a contract that is impossible. In the end they get their money, They have my banking account information, my credit negatively effected. I mean their basically making me pay XXXX dollars. It's just not right.
Consumer complaint received 2024-01-02
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : 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 2023-08-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (WI)

My wife and I purchased a condo Unit located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. My loan was recently sold to XXXX XXXX and I have some issues regarding the servicing of my former loan as I found discrepancies in the Payments and the final statement dated XX/XX/XXXX from Veteran 's United Mortgage Company. These issues made me look over the entire loan period and found there were major issues in the amount of monies received by Veterans United. First, on the final statement I inquired to Veterans United what the Hazard SFR Deposit was for and told representative I spoke with that If this was insurance it should not have been charged to our escrow as I have always maintained a homeowners policy on this property that covers the Condo unit itself and common areas for HOA Special Assessments for hazards and other damages. Also, an additional {$480.00} was removed from my escrow with no reason and I was told by the representative that those funds were to be forwarded to my new mortgage company, XXXXXXXX XXXX who Veterans United sold my mortgage to in XXXX 

an additional issue is that Veteran 's United removed {$1300.00} from a principal only payment of {$99000.00} made in XX/XX/XXXXXXXX  without authorization and my knowledge as the 1st payment due was on XXXX XX/XX/XXXX and I made that payment on XXXX XX/XX/XXXXXXXX XXXX  I made the principal only payment on XXXX XX/XX/XXXX XXXX Therefore, the removal of {$1300.00} was unwarranted and unauthorized and the next payment was due on XXXX XX/XX/XXXXXXXX XXXX  and paid to Veterans United on XXXX XX/XX/XXXX. 

The amount shown on the statement dated XX/XX/XXXX of {$98000.00} is my principal only payment minus {$1300.00}. So Veterans United received both mortgage payments on time however not one of my statements as of this year show the repayment of the missing {$1300.00} into my principal. I was not aware of this until I looked into the insurance discrepancies as I had trusted Veterans United and after calling the help line thought that the difference would be fixed. By Veteran 's United shorting my additional principal payment, it resulted in my actual loan amount being more than it should be causing me to pay more interest on the loan than what should have been. 

I also feel that since Veteran 's United has sold my mortgage to XXXXXXXX XXXXXXXX, funds in my escrow account should be sent to me and they should not be making transactions without my approval. After this, I can only assume that my actual payments have not been recorded correctly and/or properly applied to the loan. 

I have filed a complaint with the XXXX XXXX XXXX and had and continue to have a back and forth with Veteran 's United on this issue to no avail as they refuse to properly account for the funds or provide evidence that these funds were properly applied. The XXXX complaint number for this is XXXX.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MA)

On Tuesday, XX/XX/year>, I called Ally Bank and asked for a temporary limit increase on my debit card above the day-to-day limit so that I could pay my federal and state taxes using the debit card with funds that were already in my checking account. I was advised that this request was received and would take 1-2 business days to be approved. On Friday, XX/XX/year>, I called back and asked to speak with a supervisor. I was connected with a supervisor who saw that my request was properly filed on XX/XX/XXXX, but had not been actioned and was surprised to find this. The supervisor indicated that there was a " back office team '' that she could connect with to attempt to have this immediately reviewed. After 40 minutes on hold, I was advised that she was able to speak with the back office team, but that they were not able to approve this over the phone. Another week later, now XX/XX/year>, and Ally has finally called to approve this limit increase, but it's too late - my taxes were due 3 days ago, and I was unable to use my debit card for that purpose.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

I have been using cash app as my primary banking account. On XX/XX/year> I received messages stating my phone number was unlinked from my account. Shortly after my account had XXXX funds. It stated a payment was made to a person I do not know in the amount of {$940.00}. That was all of the money I had in the account. The cash app tag for the person it was sent to was pickpocket. I do not know this person and did not send this money. I provided cash app with proof and my disputes were denied. I would not send anyone the entirety of my money let alone someone I dont know and why would I send it to someone with a clear scammer cash tag.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters regarding this issue over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Home insurance was always in place. Fire insurance lapsed due to archaic payment system. Was for 1 day. All info updated with Mr cooper but now they want to charge retro insurance for 1 week. The lapse was for 1 day and I always had home insurance it was just a brief lapse of fire insurance for 1 day. I will not pay for a week of retro insurance to them. This is rediculous. I have sent over docs multiple times and still they want to charge me.
Consumer complaint received 2024-01-02
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-09-18
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. (CA)

I refuse to accept your stance in rejecting my identity theft claim. WHO ON EARTH DO YOU THINK YOU ARE TO PASS JUDGMENT ON WHETHER I'VE BEEN A VICTIM OR NOT? YOUR SUPPOSED AUTHORITY AND LEGAL STANDING TO MAKE SUCH A DECISION ARE UTTERLY BASELESS. IF YOU PERSIST IN THIS WRONGFUL DENIAL, REST ASSURED THAT I WILL PROMPTLY ENGAGE MY ATTORNEY TO INITIATE LEGAL ACTION. I insist that you adhere to the strict legal processes governing identity theft claims. To emphasize the seriousness of my case, I AM FURNISHING YOU WITH AN OFFICIAL LAW ENFORCEMENT AGENCY REPORT, DULY FILED WITH A FEDERAL AGENCY. Let us expedite the resolution of this matter within the mandated XXXX timeframe. Regrettably, it seems that my efforts to rectify this situation have fallen on deaf ears. Despite the overwhelming evidence I have provided, it appears that your bureau has not recognized the gravity of my identity theft case. This lack of recognition has left me feeling neglected, frustrated, and helpless. XXXX XXXX and XXXX XXXX XXXX XXXX. Please Remove these items ASAP.
Consumer complaint received 2023-09-18
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)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NY)

I am unaware of this debt. I didn't have an opportunity to dispute this information. I didn't receive proper notification or verification before it was added to my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX are required to send consumers a written notice within five days of their initial communication, providing information about the debt, including the amount owed and the name of the original creditor. As of my knowledge, I have not received any such notification regarding the debt in question. If in fact you believe you gave me proper notification then please provide the certified receipt with my name and signature on it as well as Documentation proving that I was properly notified of the debt in accordance with the FDCPA, including copies of any letters or notices sent to me.
Consumer complaint received 2018-05-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax credit report result on XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (TN)

I have never lived or even been to XXXX XXXX Mississippi but I was checked for criminal activity in that county the same as my other previous addresses as if I have lived there, I have had previously had issues with my social security number being used in places where I have never been and wasn't sure how to fix it. Not sure if it is related but I figured I'd let you know in case you can help with that also ...