davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (IN)

Subject : Urgent Request for Removal of Bankruptcy Account from Credit Report I am writing to address a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered that a bankruptcy account is inaccurately listed on my report. This is deeply troubling as I have never filed for bankruptcy, and its presence is severely impacting my ability to access credit and financial opportunities. 

The inclusion of this erroneous bankruptcy account violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates the accuracy and fairness of credit reporting. As a consumer, I have the right to privacy and accurate credit reporting, both of which are being compromised by the presence of this false bankruptcy account. 

I hereby request the immediate removal of the bankruptcy account from my credit report. Failure to comply with this request will result in a violation of federal law, and I reserve the right to pursue legal action if necessary.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

MY NAME IS XXXX XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?
Consumer complaint received 2022-11-24
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. (CA)

This is my 3rd 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 items : XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2024-03-19
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. (NC)

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

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that '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. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, I made a purchase from XXXX XXXX in the amount of {$100.00}. **, and I must have hit submit twice because I was charged {$210.00} but the transaction failed to go through due to an address problem. I called Chime Bank Customer Service and was notified there was nothing they could do until the transaction processes. Several days later, I log in to my Chine account and the transaction is not longer listed in my transaction history and my {$210.00} has mysteriously disappeared. I call Chime Customer Service again and after talking to a representative for several minutes I'm told the transaction never happened despite me sending them the screenshot from the vendor showing the failed transaction, a screenshot from the Chine app showing {$210.00} being charged to my account. I ask for a supervisor and the supervisor tells me the same thing despite the evidence I sent them.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

CCS COLLECTIONS through their agents, employees, representatives, has committed aggravated XXXX XXXX 
They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account in XX/XX/2022 and reported this account to my consumer report. 
There is no Privity of contract. CCS COLLECTIONS through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title XXXX of the United States XXXX. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying CCS COLLECTIONS can legally collect, and proof that CCS COLLECTIONS is the current holder of the instrument which created the debt with my original blue ink signature. 
CCS COLLECTIONS is violating the " holder in due course '' clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). 
A debt can't be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to CCS COLLECTIONS and I do not consent or authorize for CCS COLLECTIONS to have access to my nonpublic personal information as they are third parties and I never did business with them. 
Additionally, I contacted XXXX XXXX and they have no record of me owing them.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that '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. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

I created an account at USBank for my business. I chose this business because it had a {$600.00} bonus for opening an account. I got everything set up online and it was good to go, the only thing left was making a {$200.00} deposit to open the account. I made the deposit of {$200.00} on XX/XX/23, and make the necessary deposits of {$5000.00} within 30 days, which was held for 60 days. At the beginning, I got a call from XXXX XXXX at XXXX XXXX, saying the promo code I used wasn't correct, but he would fix it and I would be good to go. The new code that he was going to apply was only going to give me {$500.00} instead of {$600.00}. I was annoyed, but didn't fight it because I simply had too much going on to fight it. After the 60 days, I still didn't get the bonus. 
I called the XXXX number, she looked and verified that I did meet the requirements and said to give it another couple of weeks to let it post. 

It didn't. I called again. They said they would submit it to their research team and get back to me within 5 or 6 days. Never received a call. 

I called again and talked to XXXX, she transferred me over to XXXX. He said he would look into it. That day, I saw an ad for an {$800.00} bonus for a {$25000.00} deposit. I have more than enough funds, so when he contacted me I said I would just do that bonus since they were causing such a hassle that I really shouldn't have had to go through. 

This would have been a good time for him to tell me that I wouldn't qualify for it if I already had a USBank account. He didn't. Instead, I found out that day that day myself in reading the fine print. After telling him I was aware that I wouldn't qualify, he informed me that neither the code I used nor the code he applied for me was valid. He instructed me to call the XXXX number again. 

I called the XXXX number again. She said she would contact the promo team and call me back in about an hour. She never called. 

I have remained cordial despite the run around. Had I just been told it wasn't valid from the beginning, when I should have been told, I would have just gone with a different bank that was offering a bonus. I was told it would be taken care of and a different code would be applied, which I would assume XXXX would be responsible for fulfilling rather than passing it off to an XXXX number that never actually calls back. 

The way USBank has been represented is beyond frustrating, and honestly completely shade. I've been a business owner, it's important to be honest and straightforward with your clients, fulfill your promises, and don't keep pushing them off in hopes that they will give up. I don't know if this is a normal practice, and a bank in trouble is just trying to get cash deposited without ever actually intending to give the bonus? Or they just make their clients spend hours trying to get the money they are owed, when most would probably give up. Incredibly disappointed, this is too big of a bank to be doing this.
Consumer complaint received 2023-04-21
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. (LA)

Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) stipulate that these materials must be authenticated. If you do not validate these goods, I will file a lawsuit against them. Please abide with the law so that we can resolve this swiftly. I need the following items to be corrected from my file right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX  a ach debit in the amount of {$2500.00} was taken from my account, not authorized. Bank of America took {$1200.00} out of my savings to cover this ach debit, eventhough on that day i had a direct deposit in the amount of {$2000.00}, which left my account balance at {$2600.00} which was enough to pay the unauthorized {$2500.00} ach debit. I immediately went to the bank and filed a complaint. I want to know what happened to my savings money that was trqnsfered to my checking? They never put that back in PLUS charged me overdraft fees totalling {$120.00}. I have been asking for my savings account money to be returned to me with tje overdraft fee and i have beem ignored and they keep passing the buck. I have been a customer of bank of america over 20 years.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

Payment was supposed to be taken out with automatic pay with debt card. Wasn, t aware of the balance ( {$61.00} ) until after I left the company. Wasn't able to pay balance until I found new job. I was told from a customer service Rep that I was ok to pay whenever. I wasn't aware of time sensitive. Amount owed is Paid in Full.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

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

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : 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 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LoanCare, LLC (CO)

In XXXXXXXX XXXX XXXX there was a hail storm that damaged my house. I filed a claim and XXXX XXXXXXXX XXXX inspected an said the repairs are around {$60000.00}. They sent a check for $ XXXX for endorsment then we had to send it to the loan servicing company XXXX Loan CarXXXX ( Loancare ). My contractor filled out every form that Loancare has asked for. My XXXX and I even sent Loancare a signed invoice stating that they need at least $ XXXX to get started. Loancare denied that request. Loancare has over $ XXXX from my insurance company and will not disburse any of the funds. The Money is for the repairs of my home and Loancare will not give me my money. If you can fix this or provide me with an attorney 's information, so I can sue them. It would much appreciated. This is criminal in my opinion.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I am writing to appeal the permanent limitation placed on my PayPal account XXXX with email address XXXX I believe that this decision was made in error and that I have not violated any PayPal policy XXXX 

I would like to request that PayPal re-investigates my case and considers restoring my account if possible. I understand the importance of maintaining a safe and secure payment system, and I would like to assure you that I have always adhered to PayPal 's policies and procedures. 

I am confident that, upon further review, PayPal will see that my account should not have been limited permanently. I respectfully request that you provide me with more information regarding the reason for the limitation and what actions led to this decision. I am also willing to provide any additional information that may be helpful in resolving this matter. 

I value my relationship with PayPal and appreciate the services that you provide. I hope that we can work together to resolve this issue and reinstate my account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX