davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (OH)

Ally Financi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

We refinced with BMO Harris in XXXX time frame 2021. They sold ( moved ) the loan to someone else. We are on auto payment each month everything was working fine until XX/XX/2021. A payment was applied on XX/XX/XXXX and it was not made by us. so when the end of the month came no auto payment was taken out. we have followed up with a few differnet people and finally have been talking to a VP of loans from BMO Harris They had us follow a series of calls and seversl request to find out where the payment came from and for them to correct it.. Another month went by and no resolution. and now it is XXXX and still not correction to the problem. We contacted BMO Harris and moved up the ladder to another person higher. We tried and followed their suggestions. We had many contacts and follow ups since XXXX. 

We were assured by a VP of loans that it should be corrected and now end of XXXX stil no correction to the problem - per her suggestion we were told to contact you We have made our XXXX and XXXX payments so we are all current but with different correction they tried to put on our accts they even took money out that was ours and not part of the payments Recapping, since XXXX per the phone application ( and in live discussions her application shows something else ) it shows we are 2 months behind. Today 's live call passed the buck of getting this resolved to you and submitting this complaint. 

Please help
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (OH)

In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % XXXX fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX my wallet was stolen, and within 45 minutes I had canceled my cards and reported them stolen, but it was too late. Someone made over {$1000.00} of purchases combined on my credit and debit. Bank of America even alerted me of this fraud ( attached ) and I acted Immediately. Yet they are now denying it was fraud. 

I did everything right. I reported it immediately, contacted BoA directly, and filed a police report with the City of XXXX, MA. I provided the police report number to the claim department as well. They told me several times they would call should they need more info. 

I just received a letter that I will be held liable and the chargers were added back to my credit card, as well as the debit cars. This is extremely frustrating because I did everything BoA told me to, and the police have a photo of the person who did it. It is clearly NOT me and I have made it clear I did not authorize it. I reported it as soon as I knew it was missing. 

When I called, they said someone had filed the claims wrong. yet they are penalizing me for it. I have been working with the police so everything is documented. 

To make thing worse, they provided me with a resolution representative. He called me and asked if I have a police report, after 7 Bank of America employees had told me they had all the information including police report info, officer name and contact info. I spoke with this representative, XXXX, who said who said my fraud claim was denied despite me having a police report because people lie. He also said the claims show as open to him, but on my end they appear closed and they sent me a letter saying its closed ( attached ) I been a member of BOA since 2012 and have never filed a claim so I dont understand why I am being treated like a criminal. This has been difficult.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

As advertised a promotional offer of 0 % APR on balance transfers was originally offered but American Express declined with no explanation or recourse of action. This is deceptive banking and should not be tolerated! I also want this company to reverse the transaction as I requested on the phone! It was within the time frame that this transaction could have been cancelled!
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (WA)

I paid off a collection that went to an attorney on XX/XX/2021. Original debt was XXXX  XXXX, then midland funding LLC. After several disputes with credit report, midland funding is still reporting it as unpaid. I've spoke to midland funding XX/XX/2021 and they know it's been paid. Still they're not reprint it as paid.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear Experian, XXXX, XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with pertinent Florida laws governing identity theft and fraud, specifically Florida Statutes Sections 817.568 and 817.5685. 

It has unequivocally come to my attention that Experian, XXXX, XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, particularly Florida Statutes Section 817.568, emphasizes the necessity of consumer consent for credit reporting, while Section 817.5685 of the Florida Statutes provides clear directives for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Florida Statutes Sections 817.568 and 817.5685, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Experian, XXXX, XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Experian, XXXX, XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Sections 817.568 and 817.5685. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Florida state law, and identity theft fraud statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Experian, XXXX, XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

AMSHER COLLECTION SERVICES HAS ALREADY ATTEMPTED TO PUT THIS ON MY CREDIT LAST YEAR, AND I REPORTED TO CFPB.THEY HAD IT REMOVED OFF MY CREDIT ONLY TO ILLEGALLY PUT IT ON MY CREDIT REPORT ONCE AGAIN HERE IS THE OLD STATEMENT AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is in regards to TransUnion violating FCRA 609 and 611. In letter from TransUnion dated XX/XX/2022, TransUnion stated " We verify all bankruptcies via PACER ''. Please see the attached supporting documentation. in accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), TransUnion must contact the " Data Furnisher '' in this case, the XXXX XXXX XXXX XXXX XXXX According to a letter I received and have provided to TransUnion, the courts have certified that they do report filings to CRA 's, therefore the " Completeness and Accuracy '' of this record could not be obtained. The letter is attached to this complaint for proof. I do not wish for " Re-investigation of this record as Transunion as already failed to do so. I am demanding the removing of this record as it is " Unverifiable and Incomplete ''. I will not accept a response from Verisk Financial dba LCI who is owned by TransUnion and who is also unable to " Verify '' the " Completeness and Accuracy '' of this record and has no " Permissible Purpose '' to obtain, transfer or distribute my " Personal Information ''. By providing TransUnion my " Personal Information '' without consent, LCI has violated 15 U.S.C. 1681 et seq.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all 3 failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action
Consumer complaint received 2023-05-04
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: Kashable LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2023-08-01
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. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

XXXX XXXX was my previous mortgage servicer. Required documents were emailed to XXXX XXXX XXXX XXXX that was required for short sale processing there is a purchase contract on property, its a cash sale, purchaser are ready to close. Short Sale was in processing with XXXX XXXX, BPO with interior photos completed. Mortgage was transferred to Select Port Folio XX/XX/2021 I spoke with Customer Service Select Port Folio informed them I need the short sale processed ASAP because I don't want to lose the purchaser for my home. I would appreciate your immediate attention with this urgent problem. Requested Relocation fee of {$10000.00} because Im selling my home on short sale.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

The state of Michigan sent out checks after a state law was passed last XXXX that expanded Michigan 's Earned Income Tax Credit from 6 percent to 30 percent of the federal tax credit. Writer received the check on XX/XX/24 in the amount of XXXX. Writer went to JP Morgan Chase to reopen checking account and deposit the check from the State of Michigan because the check issuing bank for the state was JP Morgan Chase. After successfully reopening the account, on XX/XX/24 writer was sent a email stating the account was locked and given a number to call to verify identity and to prevent fraud. Writer called the number given and was told by a customer representative that the account would be closed based off the bank 's decision. Allow 7-10 days for the bank to send remaining balance in a cashier 's check. On XX/XX/24 writer reached out to the bank regarding the remaining balance in the account. After speaking with the supervisor, writer was told that the check could not be verified and that the funds were going to be suspended. Writer asked why couldn't the check be verified when the check was sent from the state of Michigan with the issuing bank being JP Morgan Chase. Writer was then asked to provide a number for verification because the supervisor and colleague were unable to locate a number for verification. After almost 2 hours on the phone trying to get a resolution, writer was abruptly disconnected with no answers.
Consumer complaint received 2023-09-08
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: DISCOVER BANK (FL)

Discover has been playing games with my money for nearly a year now. I have spent 9 months on a dispute that clearly should have been decided in my favor. Even after providing the required documentation, they keep saying someone is looking into it, but nothing is happening and they owe me {$310.00} plus 9 months of interest. This kind of thing is resolved in 5 minutes with XXXX!
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX I reached out to Experian 3 months in regards to the fraudulent activity on my credit account. My name is not spelled correctly, there are many incorrect reported addresses, there is fraudulent activity on my account. The amount owed is inaccurate. Experian has yet to verify this information and they have yet to delete it. Its been over 3 months since I sent them a letter, telling them they are committing fraud on my account.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

on the XX/XX/18 i went to XXXX XXXX  to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from XXXX XXXX   saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
Consumer complaint received 2023-03-29
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. (MD)

My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX balance and no longer owe money to XXXX or Dept Education.