davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc. (NY)

I requested a credit report from ARS ( Advanced Resolution Services ) on XX/XX/2019. 

They replied quickly by sending me a letter in which they request hardcopies of confidential documents like W-2 and paystub. 

It should be hassle-free to receive a credit report, especially without disclosing additional confidential information.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-06
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: STERLING JEWELERS, INC. (NY)

MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (CA)

On XXXX XX/XX/2020, I informed Diversified that a Debt to XXXX in the amount {$600.00} was pay directly to XXXX via certified mail. I informed Diversified to cease from reporting any information to All credit bureaus and to not contact me. On or XXXX XX/XX/2020 and again on XXXX XX/XX/2020 ; Diversified continued to report negative information to the credit bureaus.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 I left the Meatpacking district in new york in what I thought was a cab at approximately XXXX. I was dropped off at home around XXXX. The next morning I could not find my debit card. I had paid in the cab with my pin and was inebriated so I did not notice the driver not return my debit card The next morning around XXXX I noticed 9 ATM charges in my bank account to roughly XXXX. I went to the nearest bank of America Financial Center after shutting off my card. I worked with the professional there ( " Junior '' ) and left at approximately XXXX XXXX, At XXXX EST I received an email with a receipt to XXXX XXXX # XXXX in my email for {$2900.00}, they had unlocked my card after I had locked it that morning. I then called back and begged them to put a hold on the account ( again ). They had gotten into my account and reset the passcode. I had to create a completely new online account. 

The next morning ( XX/XX/2020 ) I put a hold on the account and transferred my funds and issued a the complain, I received mail from Bank of America that my card had been suspended due to " unusual activity '' of which I was keenly aware. 

Over the next few weeks, I went back and forth with BofA and the Security and Fraud people were sure I would be reimbursed. The BofA finance person had accidentally transferred TOO much money into my account and I returned it as a show of good faith. 

I received a Claim Closed email with ZERO explanation. I have {$4200.00} cents that I have lost through this ordeal. ( XXXX from theft, and XXXX from ATM fees ... ) I have filed a police report, and have called but BofA has no means of reopening the case. 

Please. this was a LOT of money that I had stolen. ( NOTE : the XXXX XXXX receipt automatically sends from that card since that card is tied to my XXXX XXXX account ) If you check with BofA, you can see they sent me an unusual activity account, as well as the close to DOZEN more attempts at using the card after I had reported it stolen. 

Also note, I lose my phone at the same time, hence why I physically went to the financial center. While there I withdrew XXXX dollars, which you will see, using my passport and ID and answering security questions.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} ABS XXXX Balance Owed : {$760.00} ACCT XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
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. (TX)

I have reviewed my consumer credit report and I noticed some unauthorized accounts from XXXX XXXX account under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Consumer complaint received 2022-08-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I made a purchase XX/XX/2022 for XXXX what I purchased wasnt not what I thought I bought. I requested a refund. The business has confirmed they have sent my refund. CHIME claims it never was refunded. So i then filed a dispute & was told I have to wait until XXXX to get my money!!!! $
Consumer complaint received 2023-06-29
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. (CA)

I have been harrassed by XXXX XXXX XXXX group by form of letter, and symbols on their envelopes twice. They have been forbearing there communication with misleading information on my credit report to Experian. 
XXXX XXXX XXXX : XXXX for account balance of XXXX XXXX 



Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

( Pub. L. 90321, title VIII, 804, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. ) 15 U.S. Code 1692c - Communication in connection with debt collection U.S. Code Notes prev | next ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated several consumer laws.
Consumer complaint received 2022-08-18
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. (TX)

I have reviewed my consumer credit report and I noticed some unauthorized accounts from XXXX XXXX under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Consumer complaint received 2023-07-28
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: LEXISNEXIS (FL)

Hello, I have requested my consumer report from lexus nexus on XXXX, XXXX, XXXX and now again on XXXX. I have not been able to receive that report, I have called and suspiciously they are asking me what i would like to dispute on my report. I am not going give them that information until I have a copy in my hands. I wont provide that information they can make changes to the incorrect data to say they are reporting correctly.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

The statute of limitations has expired on my debt and the original creditor sold the debt to a collection agency which by law they had no right to do. Now the collection agency has put their account on my credit reports which they are not allowed to do because this was a time barred debt that has expired. They are also trying to collect. I would like some help with this please.
Consumer complaint received 2020-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Error 1. Monies was applied to enities other than the princple payment and intrest. Mr . Supplied rational legal representations of why they have the decresion to apply monies but this wasnt stated to me inwhich i filed the first complaint because they never told me in documents that they were going to disperse monies in this manner. If this was conveyed in a way I would have understood and the inital complaint would not have been filed. 

Error 2. XX/XX/2019 After timely filing withing the 37 days that fed allots Mr Cooper loses my paerwork forcing the process to be delayed and I resubmitt the information and it was acknowledged as acceptable until a period after five business days and it was in languange that didnt address the acual situation of why my modifcation was denied Error 3 I called this company NUMEROUS times to address these occurances prior to becoming a problem and Mr Cooper represenatives stated docuemtns were acceptable but i would get a letter via email on Mr cooper website fifteen to thirty days later that I have been denied for timely filing, illegable documents, updated documents and eccessive obligations. 


Error 4 I sent email correspodense to Employees of the Mr Cooper and to a dedicated email XXXX Showing that I am not garnished for child support nor am i paying it and that information that was inputed prior was in error and needs to be revised yet Mr Cooper continues to revist the same errooneous information even though i lawfully submit documents to substantiuate otherwise After Mr Coopers ineptitude to follow its own process and provide cohesive instruction to rectipients of its process one futher incurred adverse action from Mr cooper because then income was taken into acount from XX/XX/2019 until now and i would have been back to work and gainfully employed had i had a modifcation. Countless employess were informed of this they were informed i was workign diligenlty to get back to work after my ailment and that it hurting my chances of sutiable employment that my credit report is damaged due to the fact that i wasnt able to get a modification Tricked by a agent of Mr Cooper to pay a principle payment inXX/XX/2019 because thats the only way Mr COoper would approve a modifcation ( this is during Mr Coopers Document Fiasco and i paid this in good faith. I could have saved the money for legal counsel because thats the only way I will recieve justice
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

There are several concerns regarding my USAA accounts ( Checking and Savings, Auto Loan and Credit card accounts ) CONCERNS : GENDER BIAS actions of USAA representatives and Staff Members 1. UNAUTHORIZED CLOSURE OF ACCOUNTS with penalty ONLY directed towards XXXX XXXX for Tradeline activities. XXXX XXXX engaged in Tradeline activities and his signed XXXX with other signed blank forms to add authorized user for another creditor sent to XXXX XXXX on XX/XX/2018. Mr. XXXX has not responded to email communication regarding this matter. The inference from USAA representatives was that all accounts were closed. 
2. DENIED ACCESS to all my ACCOUNT DETAILS and on XX/XX/2018 I did request printed account details since inceptions but my email request to Mr. XXXX remain unanswered. Additionally, I requested address/contact address for subpoena since XX/XX/XXXX. However, since these are my accounts, NO SUBPEONA is required. I should not have to incur legal cost to get what I rightfully can have. I believe the denial of access was only done to affect my ability to obtain account information that would help in divorce court proceedings. I need all my accounts information printed and sent to me immediately. My husband did the same account closure of another joint account and that bank had no issues provided my information to me. 
3. UNAUTHORIZED DISCLOSURE of my changed physical address despite requests to NOT do so. ( Violates NO CONTACT ORDER per SOUTH CAROLINA FAMILY COURT entered on XX/XX/2018 and this court order sent to Mr. XXXX via email on XX/XX/2018 ). Mr. XXXX refused to enter any address information into the system for safety reason when I spoke to him on or about XX/XX/2018. On XX/XX/2018 I called USAA due to receiving more letters directly to my new address ( although I never authorize this ) and learned that the address is changed in USAAs system and could not be altered by the representative who attempted to change the data back to my old address. My mail is forwarded to my new address and I always received on line statements. USAA also sent mail to me XX/XX/2018 indicating that the United States Postal Service provided them my new address. For safety reasons the USPS does not provide forwarded information and I discussed this fact with representatives. They lied and I did file a complaint with the Postal Inspector. 
4. FAILURE to INFORM me on how/when Id receive AUTO LOAN and CREDIT CARD Payments after USAA account closures. I had to call USAA ( multiple timesXX/XX/XXXX-XX/XX/XXXX ) regarding this and still could not get information on how to make payments. Due to account access denial there is no ability to view details despite multiple placed call from XX/XX/XXXX-XX/XX/XXXX. One representative attempted to reset password but due to higher level decisions, this did not work. I received the first credit card payment to my mail box since viewing the information last XX/XX/2018 on XX/XX/2018.