davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX inquiry by 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 and Equifax : XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Consumer complaint received 2022-04-13
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 reached out multiple times to get this resolved and the following is the problem : In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX XXXX XXXX  Account number 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 2023-08-23
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 — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services (NJ)

Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account of a car lease deleted off of my credit report that was paid off and closed! This account has since been reporting negative and delinquent information to my credit report and hindering my chances of being approved for anything. Since this account is closed and outdated while also being no longer collectible it should be deemed as not mines and removed immediately. I have already sent out a 3rd dispute on XX/XX/2023 by certified mail. All responses have been non compliant, I demand the deletion of this account immediately.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX inquiry by 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, TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX XXXX and XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Consumer complaint received 2022-04-10
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. (MS)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID 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 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 1692c ( 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 I, XXXX XXXX did not give XXXX, XXXX, Experian written instruction
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (CA)

On XXXX XXXX, XXXX  a Military Star Credit Card was opened in my name fraudulently and without my consent or knowledge. This is identity theft. This showed up on my XXXX credit report and I was notified in this regard.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ME)

I create grow videos on XXXX. My main sponsors are light companies, they send me money through PayPal to purchase the equipment on XXXX. After receiving money this morning for a new piece of equipment that I was going to order, I got a notification that my PayPal has been permanently limited and I wasnt allowed access to my money or able to transfer it. 
They claim that I did something wrong but I have done nothing illegal or against the terms of service. How is this legal for them to hold money for no apparent reason. They claimed they reviewed it, but it happened immediately after accepting the funds so its obviously automated and not reviewed by anyone. 
Please help my account is not unusable and they wont give me a reason why.
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (WA)

Bullet points : We ( my partner and I ) took out a loan using our truck. 
We paid the loan. 
I was unemployed due to medical - we were sold the unemployment benefit at the time the loan was taken out. 
We were DENIED the benefit. 
We fell behind. 
Our interest/penalties grew. 
We somehow paid it after a long period. 
We were all paid up. 
We moved. 
-cut to 7+ years later A summons shows up in our mail saying we had a judgement to pay almost {$4000.00} extra. 
( No notice, no attempt to contact. ) We tried to contact the lawyer that sued us an stated to the court that they were " attacked '' when they " tried '' to contact us etc. ( All taking advantage of the post pandemic overloaded courts. They lied to the courts. Flat out. ) We were forced to pay the money or face jail time. 
I paid them. 
The law offices are a branch of One Main. So my issue is : Why on my credit report does it say my debt was a charge off if it was still owned by One Main and two HOW did they get away with this?
Consumer complaint received 2024-06-06
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: United Shore Financial Services, LLC (OH)

United Wholesale Mortgage transferred my mortgage to another servicer XXXX XXXX on XX/XX/year>, when asked for original promissory note and that i was not aware my promissory note is a security and was sold and because im disputing my mortgage. XXXX XXXX replied to my same letter asking for promissory note stating they cant send original promissory note and that what asked for was not understandable and was threatened that my dispute was going to be given to the authorites. Also they placed a lien on my home.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Slovin & Associates Co., LPA (IN)

XXXX XXXX XXXX, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!
Consumer complaint received 2017-08-29
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. (GA)

I am filing this complaint because during my pursuit to get an issue resolved with Experian, they have become unresponsive and non-complaint according to the law. I have been actively and diligently trying to resolve an issue that I have been having with Experian for several months. Specifically, in regards to a dispute for a collection account in which I have no knowledge of, and was never made aware of. In XX/XX/XXXX of this year, I checked my credit report and noticed that there was a collection account. Quite surprised, I immediately drafted a letter ( dispute ) to Experian, explaining to them that I was not aware of the debt, and would need proper verification/validation if indeed this was my debt. A few weeks later, after the investigation was concluded, Experian removed the account from my credit report as expected. About a month or so later, when reviewing my credit report, I noticed that the account had reappeared, with the same details as described above. Once again, I drafted another letter, this time asking why the account had reappeared, the manner in which it was verified, and an explanation as to why I was never notified of the reinsertion. This letter was also sent certified mail to assure that someone from their office received it. It has now been over a month since sending my last letter, and I have yet to receive a response in regards to my original dispute, or an explanation as to why the account reappeared on my credit report. I am frustrated with Experian because I have spent a lot of time drafting letters and money sending them certified, only for my requests to be ignored. This account has negatively impacted my credit rating, making it difficult to obtain certain loans for my family. I am writing this complaint because I feel that Experian has violated my rights as a consumer. I feel like I have exhausted all of my resources, and hope that there is something that your department can do to assist me in resolving this matter. I sincerely appreciate your time, and hope to hear from someone soon!
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

1. On XXXX/XXXX/2015 I did use a credit card to pay XXXX XXXX XXXX for {$2100.00}. The credit card was insured by Capital One Co. 
2. On XXXX/XXXX/2015, I found XXXX XXXX XXXX are cheating me for {$2100.00}. Please see consumer complaint case no XXXX XXXX of State of Hawaii. 
3. On XXXX, I called Capital One to dispute the charge of {$2100.00}. The Capital One dispute department not take their responsibilities to stop the charge of {$2100.00}. After few months, The Capital One still asked me to pay {$2100.00} and plus interests etc on my credit card which insured by Capital One Co. I think as a credit card provider, Capital One have the rights to protect their customer when a disputer case happened. 
4. On XXXX/XXXX/2015, Capital one send a letter to me that said They are not able to get {$2100.00} back to me. 
5. At this point, I am asking Government organization or consumer protection to investigate such case : Is Capital One really protected their customer? 
6. If Capital One is not able to protect their customers, why we need such credit card? 
7. I hope The Capital One is not related with XXXX to charged me {$2100.00}? 
8. I dispute the charges and related interests! 
I also did send this complaint to state of Hawaii and Utah.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (CA)

There is an item on my credit report under Financial Credit Network showing a date opened of XX/XX/XXXX with a balance of {$230.00}. 

I have previously disputed this item with the 3 major credit bureaus, XXXX, XXXX, and XXXX, and also contacted Financial Credit Network directly to request more documentation regarding this unrecognized debt.

I received a response from Financial Credit Network dated XX/XX/XXXX showing a total balance of {$310.00} which does not match the amount on my credit report. I am not sure how this collection agency came to the conclusion that this is the amount owed and where these additional fees are coming from. 

It also appears that the California License Number application is pending for Financial Credit Network. I have done some research and according to the Department of Financial Protection and Innovation, The Debt Collection Licensing Act requires debt collectors and buyers to apply for a DFPI license by XXXX XXXX, XXXX. Debt collectors and buyers who apply for a license after that date will be required to wait for the issuance of a license before they can operate in California.

If their application is pending, this means they should wait for the issuance of a license before they can operate.

Also, I noticed in the response from Financial Credit Network, they stated the following : " The letter/documentation may contain protected health care information. If you are not the intended recipient, please notify our office and destroy immediately ''.

From my understanding, the U.S. Department of Health & Human Services has more information about Covered Entities and Business Associates and clearly states that a written contract between a covered entity and a business associate must require the business associate to implement appropriate safeguards to prevent unauthorized use or disclosure of the information.

It appears that Financial Credit Network does not have appropriate procedures in place to prevent the unauthorized use or disclosure of Protected Health Information, which would void the Business Associate Agreement.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (CA)

To whom it may concern : This is an issue that I had/have addressed previously with your organization. I called today to the CFPB, and it was suggested that I might be well behooved to file a second and separate complaint, since this matter has still not been resolved. 

I ( will keep this as brief as possible ) as the details can be viewed in the previous complaint. 

The company in question is Accurate Background. This background check/reporting company sent me a letter dated XX/XX/2018, with a 'corrected ' background check / report that STILL has incorrect and of course more important, still is damaging to my reputation and ability to get a job going forward, etc. 

I have lost FIVE months of employment ( part time ) with XXXX XXXX, since this background report company provided XXXX XXXX  a seriously inaccurate report, and my offer of employment was declined. 

Thank you in advance for your assistance. 



Sincerely, XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery Solutions Group, LLC (UT)

Outbound call to XXXX XXXX with XXXX, XXXX on XX/XX/2022 about debt collection for XXXX. Accused us of insurance fraud and threatened to have XXXX 'look into ' us if payment was not made within 24 hours. Never recieved written notice of the debt or information to dispute debt, name of creditor or contact information for the creditor, when we told XXXX XXXX this, he said XXXXCOVID slowed down the mail and some people aren't even getting them '. I also told him I was at work and needed to get off the phone, and he kept insisting payment was needed to keep us from being investigated.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, My name is XXXX XXXX XXXX I change my name when I become a citizen of the U.S.A I have the same social but It have nothing on me " XXXXXXXX XXXX XXXXXXXX '' Im not sure why, please help thank you. 

My address is XXXX XXXX XXXX XXXX florida XXXX.
Consumer complaint received 2015-06-03
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CENDERA FUNDING, INC. (TX)

We have had several issues with Cendera Funding throughout our mortgage process. The fees associated with the loan are in dispute because according to a VA loan certain fees are unallowable if the lender charges 1 % origination fee but the loan officer tried to add them in saying that the seller has to pay them. We have not received any copies of our signed paperwork 25 days after signing them ( fee sheet, GFE, TIL, etc ... ). I even went to their corporate office and spoke to XXXX XXXX, my wife talked to XXXX XXXX at this same time ( Senior VP ), and this only escalated the rudeness and hostility from the loan officer. When asking questions and highlighting things that are questionable fees ( I only received a fee sheet after going to the corporate office ) I do not expect the company to make the situation more hostile. The executive my wife talked to said the fees were only estimates and I would find out the true costs in the HUD-1. This is deceptive because at the time you see the HUD-1 you have no time left to rebut them without delaying the buying a process. In addition they have failed to update the VA with information during the appraisal process which is now pushing the loans past the closing date ( we can not get the lender to give us any information about it and the VA has n't gotten a response from the lender in over a week since their last request ). The loan officer failed to lock in the rate for the loan and it increased over that 2 week period. Since we complained about the fees we have only been brushed off by the company and talking to them only makes the situation worse. I assume they are trying to tank the loan process so they can still receive the application fees while not having to fulfill the loan after the complaints. If we lose the house because of delays we will lose about {$3000.00} in fees. Every day past XXXX XXXX is costing us to store household goods and temporary living expenses until we can find a permanent residence.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

So the issue is that I had a major injury during my vacation. I had to go to the hospital in XXXX. They told me that everything would be {$5000.00}. So I agreed and they did XXXX and recovery. Then I got these additional charges, and they are justifying it because they had my credit card to use it. I don't have it in writing as I was rushed into the XXXX. But the idea as you can see from all the disputes that they charged me 3 times. 

I have disputed all 3 charges and let them know that one of them should be for XXXX XXXX only. Yet they are not listening and are allowing the disputes to cancel and this hospital in XXXX XXXX to just charge me XXXX I want them to cancel the 2 un-acceptable charges against the card. And lower the main charge to the XXXX XXXX that was promised to me before I was rushed into XXXX. 

To add onto all of this I had to get a second XXXX here in the USA to fix and remove all the damage they did during the original XXXX. So I paid for a XXXX that literally did nothing.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (CO)

XX/XX/2024 we were leaving XXXX and were stopped by " police '' and were not going to be released with out making a payment. We were under duress and told that if we did make a payment we would be held for 72 hours in a foreign land. The first 2 credit cards we gave them did not allow the transactions to go through due to the fraudulency. Fearing for our safety, we gave them our last debit card and ran it through a machine twice. Once it went through, they let us go and we got into the airport and somewhere safe as quickly as we could. The bank can see the second attempt at charging it. I checked my account immediately and saw the charge for {$940.00} from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. Less than 10 minutes after the fradulant charge, I reached out to my bank ( 1st bank XXXXXXXX XXXX ) to notify them of the fraudulent charge and requested a charge back. On XX/XX/2024, I received a letter denying the dispute because " we do not have dispute rights for this transaction ''.
Consumer complaint received 2022-04-13
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)

The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.