davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (IN)

Credit karma XXXX XXXX XXXX XXXX XXXX XXXX  Charged for the same transaction several times. And the company will not do anything about it. They hangup they laugh about it they will not let you speak to a supervisor. They will not give the money back.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

I froze my credit with the three credit reporting agencies. I was provided with a personal identification number for all three different agencies. I subsequently sought to unfreeze my credit with Experian. 

I attempted to contact Experian by phone but could not reach an individual or speak with anyone. I provided my personal identification number when requested but Experian, for some reason, Experian could not acknowledge my personal identification number. 

The Experian website requested that I submit documentation ( social security number, drivers license, etc. ) in order to have my credit report with Experian unfrozen. On XX/XX/2018 I submitted the requested paperwork to Experian. Today, XX/XX/2018, I have heard nothing from Experian, either by phone, email or regular mail, and, as far as I am aware, my credit has not been unfrozen. 

I am requesting your help to get Experian to respond to my request to unfreeze my credit and provide me with a contact person with whom I can speak if need be.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I've requested documents showing these are reporting accurate information on me., i have also spoken that i did do identity report for stolen identity and the accounts listed are not accurate and don't belong to me and I've never opened capital one accounts and these are fraudulent accounts. There are 3 capitol one accounts that are listed to my name the amounts are {$660.00}, {$360.00} and {$530.00}.
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

My credit card payment is due the XXXX so I submitted a bill pay on the XXXX and the money was withdrawn from my account on the XXXX and electronically sent to the credit card company. They did not process the payment until the XXXX and charged a {$41.00} late fee. They refuse to reverse the late fee since the credit card account is closed and they say their system will not allow it.
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

I have attempted to apply for a loan modification with Bayview Loan Servicing LLC who had taken over my mortgage from XXXX XXXX and have submitted all of the paperwork as requested by them on XX/XX/XXXX of this year. When my loan counselor with XXXX XXXX XXXX XXXX XXXX and I called the following week to make sure that they had received the papers, they said that I needed to submit a letter from my Bankruptcy attorney stating that he no longer represented me, before they would even speak with me. I asked them why they had not told me this the week before to save time as the Sheriff 's sale is scheduled for XX/XX/XXXX of this year. They could not answer the question on this. I got the letter from my Bankruptcy attorney and emailed and faxed it along with a letter from me stating the same thing on XX/XX/XXXX of this year. When my loan counselor and I called back on Monday XX/XX/XXXX they said that they could not give us any information on the status of my loan modification application until all of the paperwork had been sent to the Legal Department for review. Consuming more precious time. I have lived in my house for the past 18 years with my daughter who is XXXX and do not want to be put out on the street now. All I am asking for is to have the opportunity to stay in my house with a loan modification from Bayview Loan Servicing LLC. which they have made extremely difficult and too time consuming in the amount of time left before the sheriff 's sale scheduled for XX/XX/XXXX. If not, I at least need time to find a place to live before then. I feel that Bayview Loan Servicing LLC is deliberately stalling the procedure in order to put us out. I am also emailing more documents on this to Consumer Financial Protection Bureau.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX acc:XXXX  date : XXXX owed : {$4500.00} XXXX XXXX XXXX  acc:XXXX  date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX accXXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX acc:XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and three times and  may  vary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  XXXX  or more times. The  one  claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed, black marked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  two  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of -- -- -- -- -- -? I also went as far as the  AG  's office but they are compromised because they collect debt from the original institution which is a hospital.  XXXX   XXXX  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (RI)

On or around XXXX XXXX  I received a notice from The CBE Group , Inc. claiming that I owed {$350.00} to their original creditor, XXXX. I responded that I did not recognize this alleged debt, and that it did not belong to me. I then requested a debt validation. CBE Group recently responded by " verifying '' the debt with XXXX, and included a report showing thousands of dollars in sales under an account that was created fraudulently in my name, using one of my prior mailing addresses. The XXXX user ID given in the report is " XXXX '' which does not belong to me. Apparently this account has been open since at least XXXX, selling things in my name fraudulently. I have reported the identity theft to XXXX 's fraud department, as well as filed an identity theft report with the FTC. FTC Report Number : XXXX. THIS IS NOT MY DEBT. I DO NOT OWN THIS ACCOUNT. PLEASE HELP ME CLEAR THIS FROM MY PERSONAL CREDIT REPORTS, AS IT IS SEVERELY NEGATIVELY IMPACTING MY OVERALL CREDIT WORTHINESS.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I submitted a FTC report Fcra, 609 forms to Equifax, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are two XXXX  XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.Along with three addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered XXXX  XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MEI AUTO FINANCE INC (TX)

I Requested XXXX in XXXX that XXXX provide all the requested documents above which was sent via Certified Mail Return Receipt Requested Via XXXX to Validate the Debt and amount because they never sent a certified letter letting me know that they were under Texas XXXX and XXXX XXXX XXXX disposing of the collateral after default. 
So that I may exercise my rights as follows! 
XXXX sent a letter stating that they're not required to respond to a fraudulent claims! 
XXXX refused to send any and all documents and when I filed a Complaint on the XX/XX/XXXX with the Better Business Bureau and their response was that I can not Rescind The Contract, when my issue was the Procedures were not followed by XXXX prior to the reporting to my Credit which violates the fair Credit Reporting Act! XXXX want me to send them Personal Identification before they send me proof that I am Liable for the Debt which is in Clear Violation of the Fair Credit Reporting Act! 
The XXXX XXXX and XXXX was requested in XXXX and it is XXXX XXXX years later and they still have refused to do so! Therefore this reporting to my Credit Report shall be REMOVED IMMEDIATELY BY XXXX FROM ALL CREDIT REPORTING ANGENCIES! 
XXXX ANSWER TO MY DEMAND AS IS REQUIRED BY LAW IS THAT I PROVIDE THEM WITH PROOF OF MY IDENTITY BEFORE THEY'LL FOLLOW THE LAW!
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX 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 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (VA)

I have updated my personal information regarding my address with Klarna, and now I am being denied credit, because all of my credit information is missing. I have reached out to Klarna several times and the only response I get is this process is automatic and nothing can be done. I have a credit score, and I have used Klarna several times before the last time being in XXXX 2024. i spoke to the Klarna rep on the phone and she advised that I call XXXX XXXX I reached out to XXXX and they assured me I had a credit score with accounts listed on my report.
Consumer complaint received 2023-09-27
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (OK)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc (WA)

On XX/XX/, I was scammed. I made XXXX payments to XXXX XXXX for {$360.00} and XXXX payment to XXXX XXXX for {$15.00} for tickets for XXXX XXXXXXXX. The tickets never arrived. 

I immediately called Venmo to report the scam reference number XXXX. They made a reference number and said someone will be in touch. Venmo also said to call bank to put a stop on the charges. The next call was to XXXX XXXX. The fraud department put a hold on these charges due to tickets not being transferred. 

On XX/XX/ regards to reference number XXXX XXXXXXXX Venmo thanked me for making them aware of the scam activity. Venmo says, Sounds like the person you were transacting with did not fulfil there end of the transaction. In the email they let me know they are freezing my account because Venmo couldn't recover funds for the payment to XXXX for {$170.00}, XXXX for {$170.00} XXXX XXXX for {$20.00}, XXXX for {$15.00} on XXXX 

Venmo acted on their own behalf and sent the funds to the intended recipient but could not debit the funding source selected which was my bank. This is because Venmo told me to call my bank and put a stop payment on these fraudulent charges. 
My bank XXXX XXXX ending in XXXX had a stop payment on these transactions due to Venmo 's direction and XXXX XXXX XXXX fraud department for never receiving tickets. 

Venmo is now asking me in order to unfreeze my account and not have this debt sent to collections to pay Venmo {$370.00}. 

If you have any questions please feel free to reach out XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XXXX 's bank issued XXXX credit cards to e and my husband with XXXX different numbers. My complaint is related to my card. It appears there were issues related to payments on those cards and some confusion when payments made to my account were credited to my husband 's account which had no balance. In the beginning of XXXX I visited the local branch, talked to the customer service representative who told me that the problem would be resolved within XXXX to XXXX  days. Then I received a statement due on XX/XX/XXXX, with a balance that included {$320.00} of interest. It was to that particular statement that I visited the branch and got assurances that the problem would be resolved. Then I made instructions on line to pay the remaining balance ( i.e., balance of {$750.00} less XXXX, less {$12.00} credited to my husband 's account = XXXX {$730.00} ) on a due date of XX/XX/2023. That payment recorded under confirmation # XXXX was not deducted on that particular date ( i.e., yesterday, Tuesday ).