davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (VA)

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : Fair Collections and Out opened XX/XX/2022 for {$530.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.SXXXX Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

This company suspended my account after I paid the balance in full and reported to the credit bureau that they closed the account but sent me a letter stating that they would reopen it in a few months. This has adversely affect my credit and the company does not wish to negotiate with me to make this right. Once the few months are they will report this as open meanwhile my credit rating will continue to decline! It is unfair practices used to force someone to do what the company wants.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2022-12-01
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: Experian Information Solutions Inc. (MO)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp. (AR)

XXXX SOLD XXXX XXXX TO XXXX XXXX AND ARE BOTH FAILING TO FURNISH ALL WIRE TRANSFERS TO XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

I XXXX XXXX never received any notice of statement before XXXX  days of the due date from oppurtun/progreso # XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete unaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my complain is about Bank of America. when I open my account they told me there was no fee if I keep certain restriction. I have met them. one of two on my account I only keep to pay my insurance and the other one was keep the change account. I would transfer certain amount of money in the account that pay my insurance. my checking account met all the restriction that they require that they don't charge a fee. when I finally look on my statement I call them about the fees they told me that the fees started from last XX/XX/XXXX. if I did know about these fee I wound have close the accounts like I did today because I did not need them. I know I'm not the only one who is having this problem with the banking fees. they are having people open unnecessary accounts and turning around and charging them.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Element Global Services (FL)

XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER
Consumer complaint received 2017-10-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (IL)

I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (NC)

I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on XXXX they claim it is open and on Equifax they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against XXXX and Equifax as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither XXXX nor Equifax abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.
Consumer complaint received 2021-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/XXXX, XXXX XXXX Status : The file is in forbearance ending soon Initial forbearance Started in XX/XX/XXXX Ends on XX/XX/XXXX How many more months are available? 
It is a private investor so the client has to call in to make the request for extension on forbearance. 
Under Review : No XX/XX/XXXX, XXXX XXXX Status : The file is in foreclosure Sale Date : N/A The forbearance expired on XXXX XXXX. The file is referred to attorney XX/XX/XXXX Under Review : No, nine applications got denied and the most recent one in XXXX, XXXX. The only option is to re-in-state, short sale or deed -in lieu. 
What docs need to be moved forward with Loan modification?

They can still re-apply but are not sure about the result.

Due months : 31 Current principal amount : {$240000.00}. 
This is the timeline of the events that have led up to me losing my mothers home during the last 18 months she passed away and i has been a real struggle to get the loan into my name I have submitted all of the paperwork that was requested and still being denied assistance.
Consumer complaint received 2021-09-24
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-10-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (VA)

Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement.
Consumer complaint received 2021-09-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

Been a victim of identity theft since 2015. I have been trying to clean up credit and there is one item that will not go away from NATIONAL CREDIT SYSTEM. Tried to contact the company multiple times but they said they do not have a file on me.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

CREDIT COLLECTION SERVICES has deprived me of my rights under color of law pursuant to 18 USC 242 and attemping to conspire against mt rights pursuant to 18 USC 241and has committed mail fraud to 18 USC 1341 by sending me deceptive notices in the mail with no stamps dated XX/XX/2021 and XX/XX/2021 stating that they were debt collectors and that they were trying to collect an alleged debt from me. 
CREDIT COLLECTION SERVICES has also committed aggravated identity theft pursuant to 18 USC 1028A by opening an account in my name without my written authorization.

Notice that you CREDIT COLLECTION SERVICES are defined as a debt collector Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 USC 1692c ( a ) ( 1 ). 
Fact, I am aware and have proof in the attachment of the fraudulent documents dated XX/XX/2021 and XXXX you furnished to me through the United States Postal Service that all bills and coupons are the obligation of the United States pursuant to 18 USC 8.

Fact I am aware that in the fraudulent notices that you sent to me in the mail that I have an account balance of {$1000.00} which is a positive balance which means that I have credits available to me and I want the balance returned to me immediately pursuant to 15 USC 1666d.

Take further notice that her failure to comply with these federal laws will be Prima facie evidence of willful noncompliance Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ), civil negligent noncompliance Pursuant to 15 USC 1681o and criminal liability for willful and knowing violation Pursuant to 15 USC 1611 ( 3 ) ; I responded with an affidavit of fact, consumer enforcement action and a copy of the notices that they sent to me pointing out their violations and civil liability ( 15 USC 1692k ) of the Federal Debt Collection Practices Act ( FDCPA ) Title 15 of the United States code sent via United States Postal Service certified mail and CREDIT COLLECTION SERVICES has received my Affidavit of Fact, Bill of Particulars and copy of their notices pointing out the violations of the Federal Debt Collection Practices Act via certified mail number XXXX XXXX XXXX XXXX XXXX on XXXX.There is no proof to the contrary. 
Take further notice that CREDIT COLLECTION SERVICES, violator of my rights under color of law, have been informed of U.S. Law and informed that if a settlement is not reached within 10 days charges will be filed in the Civil Rights Division of the Department of Justice and/or with the United States District Attorney and/or in the U.S. District Court for willful violation of my U.S. Civil rights.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I received a harassing phone call from Portfolio collection for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told Portfolio several times that I was in the do not call list and that I do not owe any company debt.
Consumer complaint received 2019-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

An inquiry appears on my XXXX Credit Report that I did not authorize. XXXX XXXX XXXX refused to remove the inquiry on XXXX-2019.
Consumer complaint received 2024-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (IL)

At the beginning of XX/XX/2024, I applied for loss mitigation after getting behind on mortgage due to loss of income. I applied for a partial claim and got approved, I called, emailed multiple times, and didnt get a response until XX/XX/XXXX, stating that my partial claim final documents were finally processed and sent out. XX/XX/2024, I signed, notarized, and submitted these documents on Shellpoints online notary service, AS THEY INITIALLY REQUESTED, over a week later and my due date is XX/XX/XXXX, stating that they havent received them. I have digital and paper copies, and they refuse to let me send them without a third-party, and I have warned them I am ready to hire an attorney. They are now trying to hang the possibility of foreclosure over my head on something that has been out of my hands for a week.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CA)

On XX/XX/XXXX at XXXX XXXX.XXXX. ( PST ) I received an email from XXXX titled " Congrats! XXXX is activated ''. This email was quickly followed by 3 additional emails from the same address all within the hours of XXXX XXXX XXXX the same day informing me of additional new Chime account activity, including a new XXXX XXXX application and a new Chime VISA debit card account. Upon rising in the morning on XXXX XXXX and checking my email, I quickly looked up Chime in a XXXX search for " Chime customer support '' - ( I did not click on any links contained in any of the emails received ). Chime 's customer support email is XXXX. The ONLY way to contact Chime is via this email address - their telephone support number ( XXXX ) XXXX is wholly automated and although I attempted to reach a fraud agent by calling the Chime phone support number, I was unsuccessful. I later learned it is not possible to speak to a Chime fraud representative until they contact YOU. 

So, I quickly composed and sent a series of emails notifying Chime of the fraudulent account opened with my information, asking them to close the illegal account immediately and to contact me ASAP. The first of these emails was sent at XXXX XXXX PST on XX/XX/XXXX. 

Today, XXXX XXXX at XXXX XXXX.XXXX. ( PST ) I received another email from XXXX notifying me that " Your Chime VISA Debit Card '' was on it's way in the mail, and I could start to use my new credit account ASAP via the Chime App. I immediately sent a second and third email requesting immediate action to close the fraudulent VISA account to XXXX. 

I have not heard from Chime, either via email or phone ( I included my cell number with my email correspondence ). As a consequence, I have had to take the precautionary steps to close all of my bank accounts and transfer balances to new accounts, which has taken much time and effort.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

My complaint is that I was told that if I settled a debt with them they would not report it on my credit report. I paid the debt in full but they did not follow through with their promise. Additionally, I disputed it recently and they are not taking it off my credit report and its adversely affecting my credit.
Consumer complaint received 2022-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

To whom it may concern, Greetings my name is XXXX XXXX and my husband and I bought our XXXX home about XXXX years ago. We have been having problems with flagstar because we have been having a escrow shortage every year and the payments have been the same for the time us being here. I protest my taxes every year and show a homestead exemption that will give me a discount on my taxes every year! Numbers are still incorrect on my escrow analysis and I also had tax collectors call me that they have not been paid yet when flagstar Bank claim they have paid out and they also do work with a third party to send form of payment it is my 2 years im going through this! Please help me correct my numbers on my mortgage account they do not seem to want to corporate and I do not want to loose my home I am up to date have not missed a payment! There is some weird activity that I don't understand and need a professional to help me. I am trying to work with a broker to refinance but I need my escrow analysis to be correct especially if I have not had my homestead applied to our account. I think they are over charging me and the numbers are getting worse and worse... 
Thankyou XXXX XXXX XXXX XXXX XXXX