davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (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. 

I asked Experian, XXXX, and XXXX to reinvestigate these accounts : CREDITORS BUREAU XXXX, Account # XXXX ( this is over the 4 year California statute of limitations as well ) XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

Please reference case # XXXX. 
US Bank response to this claim has missed the point. Please note that a CURRENCY EXCHANGE WAS NOT REQUESTED. The request entered into the ATM was for a WITHDRAWAL in XXXX DOLLARS. The ATM has decided on its own to perform a currency exchange without notifying me. These 2 cases were handled differently by the ATM from the many previous withdrawals at the same ATM, where no currency exchange was performed, and which is how other ATMs at other banks in the area are handling this.

To summarize : 1. In both dates, ATM performed a currency exchange that was not requested and charged a fee of around {$60.00} for each.

2. ATM did not notify of it's decision. The screens were the same as the usual for a regular withdrawal. 
Please review and reconsider a refund.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

Fraudulent charges appeared on my direct Express card on XX/XX/2021. The next day I discovered the charges and tried to report them as fraudulent. I was told my only recourse was to wait for the charges to clear and then dispute them ... 7 to 10 days later. I called another option in the automated system for stolen card and reported the fraudulent charges. One charge was immediately removed, but I was told the other charges, for approximately 42 times more money, would have to be disputed after they cleared because they were only a service card, not a bank card company. Yet the one charge was removed and they canceled the card because it was compromised. Now I can't even access the system until the new card arrives and I activate it ... another delay of indeterminate length.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (OH)

Im am going to a health issue which is causing me to having financial hardship and not able to work. However the vehicle is broken and not drive-able due to coolant tank being blown the total cost for the vehicle to be fix is XXXX dollars that I dont have due to me not able to work, while receiving non stop calls after hours pass XXXX and receiving calls early morning before XXXX XXXX which is a violation of the FDCPA also stated on you guys website as well that I should not receive any calls however I do as reported previously but I also have been threatened that the vehicle will be repossessed.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/24 I transferred money to a legit foreign bank account in XXXX using my debit card. The money is an attorney fee regarding a probate case due to my mother inheritance. The money has been never received. I filed a complaint with Moneygram, they opened a case. 2 weeks later they emailed me stating that that was an error from their part and the just sent the money and it was processed by the foreign bank. Well it wasnt. I emailed to Moneygram again and they replied that they will investigate and let me know. It was weeks ago. I have not heard from Moneygram and I naturally the money still hasnt showed up in the bank. 
I emailed them again requesting a refund as I had to resend the money via another company. 
They stole my money and I cant really get it back due to the fact that it was from my checking account
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (MO)

PLEASE help... THIS IS NOT A TEMPLATE... PLEASE HOLD THEM ACCOUNTABLE>>>I have reached out to TO : EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX several different times ( 6months ) to remove a address and 4 fraudulent accounts but they keep telling me that they cant remove the address because its connected to 4 fraudulent accounts THAT ARE NOT MINE. I called the data Furnishers and i have also walked inside the banks to ask how are they VERIFYING the accounts if its not me ( i have not VERIFIED NONE OF THE ACCOUNT )... THESE ACCOUNTS ARE INACCURATE AND IM SEEKING LITIGATION : My CURRENT True legal FIRST & LAST name XXXX Street NUMBER & Street NAME, CITY and STATE is & ONLY IS : EXACTLY as Follows : XXXX XXXX XXXX. 
XXXX, XXXX XXXX, XXXX, Mo. XXXX I DEMAND, as is my consumer right ( XXXX ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT. 

SIR/Maam, these accounts are inaccurate and i am seeking litigation please delete at once : this address XXXX XXXX XXXX XXXX XXXX Missouri XXXX and These ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( *15usc code 1681n Civil Liability for willful noncompliance. 

EXPERIAN is in violation of 15usc 1692g. they were suppose to notify me in writing 5 days prior, BUT I WAS NOT.As the original creditor, im the only one that can validate this debt. I DID NOT VALIDATE THIS DEBT OR ADDRESS. Experian broke 15 usc 1692k -civil liability, please have the accounts removed for breaking the law or pay the {$1000.00} fine. 

In GENUINE Sincerity, My CURRENT True legal FIRST & LAST name , Street NUMBER & Street NAME, CITY and STATE is & ONLY IS EXACTLY as Follows : XXXX XXXX XXXX. 
XXXX, XXXX XXXX, XXXX, Mo. XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. ()

The Better Morgage company is refusing to transfer our home appraisal to our new preferred lender that is requesting the appraisal. We have requested in writing via email. Initially told that they could update with the new lender name and address and now are refusing.
Consumer complaint received 2021-01-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

I called Credit Collection Services on XX/XX/2020 in reference to a debt owed to XXXX XXXX XXXX XXXX for XXXX. I reached out to dispute this bill because I never signed for service from this auto insurance company and the next day they put this debt on my credit.
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

There were two fraudulent charges submitted to my Paypal account on XXXX XXXX, 2020 in the amounts of {$790.00} and {$1000.00}. Paypal is refusing to remove the charges from the account after providing them with sufficient proof.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

As earliest as last week I inquired about an account that I am next of kin of a deceased person, and the bankers claim it doesn't exist, however it has been confirmed and even rolled over to someone else, and I have started the legal work to finalize the abuse that I have incurred as the result of these bankers thinking I don't know what I'm comprehending. 
They have even tried to stop the facsimile via email from connecting, and my phone calls through the XXXX XXXX XXXX XXXX by shutting or suspending my service after each phone calls, and didn't close out my booking number when I was falsely imprisoned for a past friends false accusations.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was trying to buy something from XXXX and then a message on my phone claiming to be XXXX  and at that time I didnt know it wasnt XXXX and they said that they need my information so they could deliver the packages and I didnt think much of it until the first of XXXX and I called the bank and told them what happened and they said they would handle it.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NH)

Continued calls from Sunrise Credit Services , Inc . I do not have an account and have never had an account with Sunrise Credit Services. I have checked my credit reports from all agencies and do not have any entries from Sunrise Credit Services nor do I have any late payments or payments disputes from credit agencies. Sunrise Credit Services contact me on a daily basis despite my having notified them that I am not familiar with their agency and do not have any outstanding debts.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc (WI)

Chime bank sent a card with a full account created. Trying to close this, but there is no one to call. The one number they provide is a bot, and nothing matches to the account anyway. They are very hard to get a hold of. It seems this is a common theme with this bank. There is lots of fraudulent accounts being opened. Luckily the card was sent to the office. None of the other info seems to match as I can tell yet. No idea who set up this fraudulent account.
Consumer complaint received 2020-09-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

i sent both Experian and XXXX  a dispute letter in regards to some accounts that are reporting incorrectly on my credit report. its been more than 30 days and i have yet to receive any status from them. per the FCRA, they have 30 days to respond or they must delete. i believe that this should be the case now as they have failed to properly investigate and return with a conclusion within the 30 days allowed.
Consumer complaint received 2022-06-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I've paid this loan in full. I have a letter from them confirming it's paid in full. The mortgage company shows on their website both that it's paid in full and 33 days ( as of today ) past due. They have continued to draw a biweekly payment from me and have kept the money and refused to return the overpayments, and deny they have the money. I have the bank drafts to prove it. I also have several email threads between myself and them trying to resolve it, without success. 

Loan # XXXX
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have a car loan  w Fith Third  Bank. I have had a bankruptcy and thru it all i have never missed a payment. I am current in all payments, yet they call my home 5 times a day on weekends and holidays!!!!
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (FL)

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the Experian, XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},
Consumer complaint received 2021-01-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

CHARGED ME TOO XXXX High interest rate. THEY REPOSSESED MY VEHICLE CHARGED ME EXTRA FEES ALSO IN TOWING COMPANY GAVE ME HARD TIME AND THIS WAS DURING PANDEMIC WHICH I REPORTED IM GOING THROUGH HARDSHIP.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute a collection account that has appeared on my credit report. The account in question is not mine, and I have no legal binding contract with the entity reporting the collection. The following account is violating my rights in regard to USC 1681. 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.I have not authorized any entity to report this information on my behalf, nor have I received any goods or services from the entity in question. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX I refinanced my Mortgage from a XXXX yrs. Fixed rate to a XXXX Yrs. Fixed rate mortgage. At the time of refinance, my property appraised at a market price of {$370000.00}. 

After the refinance, I had a loan of {$320000.00} so I was at an 84.65 % loan to value. 
At closing, I signed a PMI disclosure stating if I made all my payment on time, I could request a PMI removal based on the projected loan to value calculations on XX/XX/XXXX which is after XXXX payments were made.. 

I recently requested the PMI removal from my lender Freedom Mortgage because I was well past the date of first removal opportunity. Freedom Mortgage decline to remove my PMI and stated they want me to pay for a Broker 's Price Opinion. I found that odd as I receive no less than XXXX call a week from Freedom Mortgage offering to lend me more money based on my increase in value. Apparently they are aware of my value but insist on charging me to prove what they already know. 
The county appraisal district shows my property " Market Value '' to be {$580000.00}, this is something that is public knowledge and easily available to my lender. 

My Lender is Freedom Mortgage and my loan number is XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (DC)

Aargon collection agency is trying to collect a medical debt from 2017 where my health insurance has already paid. I had a XXXX in XXXX of 2017 and I have contacted XXXX ( my health insurance company ). Ive contacted the hospital and they unable to provide a statement of charges that aargon is trying to collect.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 2021-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a late payment in XX/XX/XXXX begin reported by Kohls on my credit report on all three agencies. I have had a Kohls 's credit card since XX/XX/XXXX is yet an open and actively used account. I have tried contacting the lenders but was given a proper response urging me to submit a complaint here as I paid after the payment due only once! It has been negatively affecting my ability to get open other credits and lower interest rates for a mortgage as I am trying to provide my family with a house and get on my feet. It is the only late payment ever that is affecting my score ; therefore affecting my ability to increase and build credit.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose