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: CL Holdings LLC (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 XXXX. 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 2023-11-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (OH)

The law firm assisting me with my mortgage issues, submitted a financial package to be reviewed for all options including, but not limited to a loan modification, XXXX modification and partial claim, and stand-alone partial claim. The financial package was submitted to PHH on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and was told that a letter went out that they need XXXX pay stub dated within the last 90 days to make a complete financial package. They confirmed that once this document was received, the foreclosure would be placed on hold while my file was in review. 

I sent my XXXX most recent pay stubs ( even though they only requested XXXX pay stub ) to my law firm who emailed them both to PHH 3 times in pdf format on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and the rep confirmed they received both pay stubs. 

My law firm followed up again with PHH on XX/XX/2023 and were told that the foreclosure was still active, that neither of the XXXX pay stubs were legible, and that they would need to be resent. My law firm confirmed with PHH that they were looking at the exact same PDF that they emailed on XX/XX/2023, which they confirmed they were looking at the same. I reviewed the PDF with my law firm that they sent to PHH and it is completely legible! Every word and number on the page is able to be seen without issue. If you zoom in, everything is even easier to read. My law firm explained to PHH that a PDF document doesn't change or become less legible when emailed so there is no way for it to be illegible to PHH and legible to the law firm and me. 

I sent my law firm my most recent pay stub on XX/XX/2023 and they emailed it to PHH 3 times that same day. When my law firm followed up with PHH yesterday, XX/XX/2023, they were told that the pay stub was received, but the file was still not deemed complete. They also said that a sale date is now set for XX/XX/2023 and they couldn't guarantee the foreclosure would be placed on hold or the sale withdrawn due to the sale date being within 37 days. 

This is completely unacceptable! I have attached the exact pay stubs that were provided to PHH back on XX/XX/2023. You will see that everything on the page is legible enough to make out all the words and numbers on the page. If you zoom in, they become beyond easy to read and see. My file should have been deemed complete and the foreclosure placed on hold no later than XX/XX/2023 as PHH said would happen. The sale date never should have been set! My hardship is over and I can afford my home and I am ready to get back to making payments.
Consumer complaint received 2018-05-15
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: Experian Information Solutions Inc. (MT)

Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I call the first time, and the young lady didnt get any information told me they would close it eventually without any kind of confirmation. Called a second time after I received a debit card that I did not apply for requested to talk to Merrill Lynch once again the second person got information told me I would have to go into a bank branch since I would not give my Social Security number and birthdate. I went into bank and they close the account with debit card, but was not be able to contact Merrill Lynch, but they had started an investigation apparently. The associate and bank manager put notes in requesting they close the Merrill Lynch account self-directed account. I have not received anything cents in the mail. I dont understand how you can issue account in debit cards, but cant send a letter stating it was closed in the same manner as they open the accounts.
Consumer complaint received 2023-11-14
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: Continental Finance Company, LLC (VA)

I contacted the credit card company and was issued a new card but havent been adjusted for these charges that I didnt make. 
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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Consumer Telecom & Utilities Exchange, Inc. (IN)

I was just incarcerated between XXXX through XXXXi just recurved notice of a illegal utility bill that was in my name. This is damaging to me and family. This weather is going to bad for the winter and I'm worried about my status to move back to Illinois
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (CA)

Repeated calls from XXXX National Commercial Services. The same Voicemail everytime.

" Hello this is NCS with an important message regarding an unresolved claim. Your insurance information or satisfaction of this claim is needed to conclude this issue. Please call XXXX to speak to your representative '' I don't have any outstanding claims. I've tried to call the number and no one ever answers.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (PA)

I am deeply disappointed by the lack of response from LexisNexis regarding my request for my credit report. Despite my efforts to mail my request to both LexisNexis XXXX XXXX XXXX XXXX and LexisNexis Consumer Center, I have not received any acknowledgment or assistance. It's frustrating to feel ignored, especially when attempting to address important financial matters. Unfortunately, I am unable to afford tracking services to ensure the delivery of my request. I am reaching out desperately for assistance in obtaining my credit report as it is crucial for my financial planning and security. Any help in expediting this process would be greatly appreciated. Thank you for your understanding and support in this urgent matter. he specific law that grants consumers the right to obtain a free copy of their credit report is the Fair Credit Reporting Act ( FCRA ). Under Section 612 ( a ) of the FCRA, consumers are entitled to request and receive a free copy of their credit report from each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) once every 12 months. This provision ensures that consumers have access to their credit information and can review it for accuracy and completeness. Additionally, the FCRA outlines procedures for disputing inaccuracies on credit reports and requires credit reporting agencies to investigate consumer disputes in a timely manner. Overall, the FCRA aims to promote fair and accurate credit reporting practices and protect consumers ' rights in the credit reporting process.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am writing to inform you that Bank of America suddenly closed an account of mine for supposed fraudulent activity, and then sent the remaining funds, about {$5000.00}, to the wrong address. After many calls and complaints to the FDIC and other banking regulatory watchdogs, I received a call back from a non-manager telling me that my check had been mailed to the wrong address! And, as long as its not cashed fraudulently by some third party, I can have it reissued AFTER 120 days! Initially, the check was sent XX/XX/XXXX, so I will have to wait until XX/XX/XXXX ; again that is as long as its not cashed by means of a fraud signature. I think this is absolutely ridiculous. I have looked on XXXX and found that this has happened quite often with Bank of America and other banks. I am about to be a newlywed, I am moving and I need my money! I cant wait until XX/XX/XXXX, and in the hopes of some off-chance somebody does not end up cashing my check! In that case Im just plain out of luck ; Theres nothing we [ BOA ] can do at that point I was told. They didnt even apologize! 
Is there anything you could do? I would greatly appreciate your help and expertise navigating this matter.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

One day a guy asked for my info pretending to be a rep attorney for the treasure of the arrest something like that and didnt send info two days later another person is messaging me and its asking for {$50.00} of my money for a gift card its saying that its a lawyer rep for the samthing thing and its threating me with arrest
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: GLOBAL CREDIT UNION (AE)

I made a withdrawal in euros from a Global Credit Union ATM on XXXX XXXX XXXX, XXXX on XX/XX/. At no time was I informed of any fees, exchange rate, or what the total amount I would be charged on screen, on or around the machine. Upon receiving the receipt, I saw the total amount in dollars I was charged, with an exchange rate that I would have declined if known. 

I have informed that branch in person, and was told " there have been several complaints '' of the fees and rates no displaying and that there is a has been a " a work order '' submitted for the ATM 's. The same issue occurred once before 4 months ago when I first used one of their ATM 's, though I did not notice the subpar rate. 

This XXXX XXXX XXXX primarily serves American uniformed personnel and their families while overseas. It's upsetting to see them swindle customers out of money by being deceitful in disclosing the exchange rate and total after the transaction is complete.
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman.

Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I have an AMEX prepaid gift card with {$500.00} on it, and have been unable to use it anywhere. AMEX is refusing transactions with so many vendors, both online and in person, the card is a ripoff and American Express is stealing the funds on it. This situation is unbelievable and irresponsible on the part of AMEX.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (TX)

XXXX XXXX XXXX - Called to add {$800.00} to line of credit I needed to wait on approval letter. 
Once accepted, must send {$800.00} within 15 days. 
Send check or money order to XXXX XXXX XXXX, XXXX, GA XXXX Was told what account number to add to memo line. 

XX/XX/XXXXXXXX  - XXXX Called to follow-up on credit increase. 
Received wrong information on XX/XX/XXXX and now I have to start the request over. Looks like I need to send in the {$800.00} security deposit first then First Progress will approve or deny credit limit increase. 
Requested to speak with supervisor regarding quality control and provide feedback on the ill-advised information I previously received. 
I have 15 day from today XX/XX/XXXX to send in the {$800.00} money order. If it is not received in 15 days, the credit increase will be denied and funds will be sent back to me. 

XX/XX/XXXX Mailed money order of {$800.00}. Sent certified-mail. 

XX/XX/XXXX According to USPS tracking system for certified mail, money order of {$800.00} was received by First Progress on XX/XX/XXXX. 

XX/XX/XXXX Letter dated XX/XX/XXXX sent to me saying it's been 15 days and security deposit was not received. Credit increased was denied. There was no additional information as to the time frame the funds will be returned to me. ( Received denial letter on XXXX ). 

XX/XX/XXXX XXXX @ XXXX Called to get the status of the refund. I was informed that I needed to fax a letter to the Back Office ( XXXX XXXX XXXX ) to check on status of my {$800.00} security deposit. 

XX/XX/XXXX Called again to get the status and the instructions on what specific information I needed to do to get my {$800.00} security deposit. Now they're saying it will take up to 10 weeks to get my refund. This is crazy. I have to respond in 15 days.received denial on funds what were received on time. Increase never applied to my account. And now I have to wait 10 weeks to get my money back. I made sure I told the representative I would be reporting them to proper authorities. I will be submitting a complaint to www.consumerfinance.gov and the attorney general of the corporate office of First Progress. 

Resolution : I need my money now or they need to award me the {$800.00} additional credit increase and I want it done in the next 15 days and not in two and a half months. Thank you!
Consumer complaint received 2023-09-08
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. (NE)

There are hard inquiries from XXXX that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (MD)

On XX/XX/2023, before XXXX XXXX XXXX XXXX I noticed two unauthorized ATM withdrawals from my PAYFARE checking account. The first unauthorized ATM withdrawal was for {$100.00} and the second unauthorized ATM withdrawal was for {$2.00}. I immediately locked and cancelled my debit card and contacted PAYFARE via phone number XXXX. I was instructed to fill out and submit a dispute form immediately, which I subsequently did the same day. I was also instructed to order a replacement debit card in which PAYFARE charged to my account for {$5.00}. During the phone call, a PAYFARE representative informed me that I would be contacted within 1 -2 days with a resolution. This didn't happen. I called on XX/XX/2023, to ascertain a status update in which the PAYFARE representative gave me a pending status. PAYFARE has disregarded my complaint and dispute. PAYFARE has also disregarded the fact that these transactions were ATM thefts. I now believe that PAYFARE is responsible for these two unauthorized ATM transactions.