davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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)

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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments
Consumer complaint received 2022-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-04-25
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. (CA)

I have been asking for Equifax to remove a Charge off account from my credit file for several months now. I have asked for the method of them claiming they have verified the account, who they spoke with and a copy of a contract with my signature but never get anything but a email with results saying that the creditor verified the account. 
The account is XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-11-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Salmon Law Firm PLLC (OK)

XXXX XXXX XXXX with Salmon Law Firm PLLC, on XX/XX/2018 filed a motion to place a lien on my property. 

XXXX XXXX XXXX does not have a judgement against me and has been notified in writing and by phone to cease and desist all collections activities as he has no judgement against me and is threatening to take my home.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I used my card at XXXX CT to make a debit transaction at my local XXXX XXXX I received a text alert at XXXX CT that my card had been reported stolen and the card was blocked. I called in to the customer service to see why my card was blocked, I just used my card and have the card in my possession. While trying to reach a love customer agent I received another text alert at XXXX CT that {$480.00} had been transferred to an unknown person XXXX XXXX and a {$4.00} transfer fee was applied. By the time I talk to a live agent and get transferred to a supervisor I am explaining- I did not call to report my card I in fact just used it. The supervisor reverse transfer of {$180.00} and blocks any future transfer actions on my account. And expedited a new card and files a dispute. Fast forward to XX/XX/XXXX I receive notification that no error was found- I will not be credited the balance of funds {$300.00} to my account because the person who called in successfully answered the security question that is only information that I should have. Meanwhile, I reach out to a Corporate Response Team XXXX XXXX regarding the findings and he basically tells me its nothing they can do. I request to include the recorded voice conversation in the dispute and am told that they only use voice recordings to determine if the agent followed their rules. I have had my account hacked several times where someone actually created a fake card and was withdrawing money from an atm in XXXX. I DO NOT UNDERSTAND why if i still have my card in my possession, used it literally 30 minutes prior to this incident why its my fault someone stole my information. One of the customer resptesentatives said the individual called in to report the card stolen but did not request a new card and said they would call in at a later time to provide a new address. This is an active account why wouldnt i request a new card and transfer all the money to a stranger. I need answers and I need my money back the company has not done its due diligence to protect the valued cardholder the corporate response rep was a XXXX. I will never use this company again and make sure no one else I know does! They take your money charge astronomical fees to get your money back, better off opening an account with a credit union like XXXX XXXX or XXXX XXXX XXXX! Users BEWARE!! I am currently on hold to speak with a supervisor for 35 minutes and counting had the phone been answered quicker maybe all my money could have been retrieved. All the company sent in the dispute investigation was a statement saying the security question was answered so the transfer was validated. In a society that is highly technological and scammers have all ways to access peoples information. This is fraud this is not my fault and this company is wrong.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (TX)

Prior to mortgage being paid off in XXXX, for the months of XXXX, XXXX, and XXXX of 2020 the mortgage company listed on my credit report that those payments were late when my mortgage was actually in a forbearance.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: STATE FARM BANK, FSB (KY)

I received an e-mail on XX/XX/2019 from my state farm agent who informed me the roadside assistance was being removed at my renewal. I used the roadside assistance 7 times in the last 3 years and because the average household uses it once every 3 years it is being removed. I was informed by this e-mail there is nothing that can be done to reverse the underwriting decision. I then received this information by mail dated XX/XX/2019. Both documents included the dates of my roadside claims. I was informed by my state farm agent that because the coverage is very inexpensive it would only save about {$1.00} a month with it being removed. The state farm agent did pend the records to check back in a years time to see if it can be added back on. I enjoy and rely on the roadside assistance and having it removed without a second option such as adding on a frequent use roadside assistance program is upsetting as a consumer.
Consumer complaint received 2018-04-25
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. (FL)

EXPERIAN shared my credit report with XXXX XXXX without my consent. They shared the report and late payments reported in error by a third party creditor, which resulted in my credit rating being lowered with my banking institution. 

This party credit has corrected erroneous reporting in the meantime but the damage with XXXX XXXX has already been done. 


As I mentioned, this was shared without my consent. 

I am attaching the letter I received from XXXX XXXX stating that they received a credit report from EXPERIAN ( the third party credit bureau )
Consumer complaint received 2022-06-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Servicing Group LLC (IL)

I received a voicemail on XX/XX/XXXX at XXXX XXXX from a debt collector who did not identify themselves nor provide their license number. I was told " this <call> certainly won't be the last '' if I did not call back. I was also told that a tax form 1099C has been issued. I was told of a 10 % " temporary '' discount if paid in full. Since I do have a few credit blemishes I reviewed my XXXX and XXXX reports online and did not find anything from the company identified ... ASG XXXX, nor XXXX Holding the " original creditor. '' I researched them online and found their website and attempted to " chat '' with a Rep about the " debt owed '' and I was told very quickly that the debt is real and asked if I needed help setting up a payment. I asked for their address to send a " cease and desist '' and the " chat '' was disconnected by the Rep. There is no address listed on the website in order to forward written documentation regarding the supposed debit. I have also never received anything in writing from this company regarding the debt. I do not recognize the debt and many debts were discharged in a 2014 bankruptcy filing. Now I am being plagued with phone calls and text messages ; phone call and text at the same time today, XX/XX/XXXX, at XXXX. None of my questions will be answered by any of the Reps involved. I just need to pay so the matter can be resolved " amicably. ''
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (TX)

On Monday XX/XX/2020, I checked the exchange rate of US dollar to XXXX dollar as I wanted to send money for XXXX to my family. 

The exchange rate for the day was XXXX When I went to Western Union to initiate the transfer to XXXX, their rate was only XXXX, far below the daily rate. Plus I was charged {$37.00} for the transfer itself. 

I find this to be deceptive. I was only aware of this after I made the transfer when I was given the receipt. 

Why would they not give us a fair exchange rate? This is hurting many people financially.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

I emailed MOHELA my student loan service company on XX/XX/XXXX asking for an amortization schedule. On XX/XX/XXXX, I received a response that i would receive a response within 7-10 business days. On XX/XX/XXXX, i submitted another request for the amortization schedule. On XX/XX/XXXX, i received a reply that the schedule was mailed to my home address. On XX/XX/XXXX, i received a letter from MOHELA indicating my monthly payment amount, my repayment plan, the interest rate, and the terms of the loan. On XX/XX/XXXX, i called MOHELA to inform them that i did not receive the amortization schedule. I spoke with two customer service representatives. The second customer service representative told me that i could not receive a schedule because i may make an extra payment, or make a late payment, or my interest rate may change therefore they could not provide a payment schedule. This is despite the fact that i have auto-debit, have made on-time payments for the life of the loan, and have received an amortization schedule from other student loan servicers.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (VA)

Today, XX/XX/2022 I went online to check to make sure my XXXX was deposited. I logged into online banking with PNC and all of my accounts were gone and 2 of my sons ( I have 3 under my name Checking/Saving and MM - 3 under my sons which I am on ) Only my sons checking account was still there. I thought it was a glitch in the system, so I called. 
I was told that they only thing they could do was read me a disclosure that was VERY demening. Basically, they decided to close the accounts and that was it. The PNC rep was speechless, tried to handle it, but told me there was no information and that he had no where to transfer me. They would send checks to the house for each of the account, 3-5 business days.. So.. i am dead in the water, no access to ANY of my money and that is it.. I have looked online and yes, they have the right to close the account, but they are required to notify you. NOTHING FROM THEM!!! 
I was hacked about 4 months ago. Filed a police report and with the FTC. The policeman told me to contact him with anything needed. PNC denied the claim and I was out {$1400.00}, so I appealed.. that was 3 months ago. NO word on the appeal and now they just closed them without notice??!!!
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

Castle credit Repeatedly called nonstop almost every hour of the day. Saying theyre lawyers or police or theyre the court going to sew me or Im under investigation and thwyre going to report me if I dont answer. Theyve also called family members saying the same things and my job. Theyre very vulgar and rude wouldnt say who they were at first. Just that they wanted money.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion persists in reporting XXXX XXXX, which has been successfully removed from my XXXX report. This discrepancy raises concerns over compliance with the Metro 2 guidelines. Specifically, it appears to violate Metro 2, Field 19, which dictates the reporting of " Date of First Delinquency. '' I have provided evidence of the deletion from XXXX and request immediate correction to align with Metro 2 standards.
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

My husband was injured in an accident in XXXX that required multiple surgeries to repair and 2 years of infections and treatments related to the injury. This resulted in his inability to work for about 4 months without pay. In XXXX of XXXX we were unable to make the house payment because he was out of work. I continued, again, however to make that payment every month after the I missed the XX/XX/XXXX payment. I was aware that was still 30 days late and on most months, XXXX XXXX XXXX did not mark my credit report as late. However, for the next two years, as we struggled to get my husband healed and get back on our feet from the loss of income, I continued every month to make my house payment without fail. XXXX XXXX XXXX recorded 6 months of late payments as a result of that one missed payment until I was finally able to bring the account current in XXXX of XXXX. The account is current and I have signed up for Automatic payments though the SPS website. When I disputed with the creditor, they were unwilling to help. I pointed out that I had faithfully made the payments and that I had even done so by scheduling in advance through their online tool. They were unwilling to assist in any way regardless of my restitution. I don't believe it is ethical or in the best interest of the consumer to continue to penalize a person for 1 late payment, three years after the single payment was missed. It is damaging my credit report and renders my ability to refinance or purchase a new home impossible. No mortgage lender will lend to me as a result of 1 missed payment 3 years ago for which I have made restitution. I am therefore chained to this mortgage at an unfair rate of XXXX XXXX for an additional year to the sole benefit of SPS.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX account had been removed and blocked from my credit report. They 2 days later put it back on my account which is illegal!!! 

XXXX. XXXX nor the credit bureau sent me any information in writing showing that information was accurate. 

No one has sent me information showing me that I signed anything with my personal signature. XXXX only stated what was purchased which isnt proof that I purchased anything. 

XXXX. I was suppose to be notified of these in writing within 5 days which was not done. 

I was notified of nothing. I keep saying this account is not mine and all XXXX keeps trying to do is say its mine and what was no proof. There is no hard copy evidence given to me at all. 

You XXXX are not above the law and Im willing to take this as far as possible. I will inform my lawyer as well take this issue to court small claims and so forth. I will take this federal because you have failed to follow the law I have requested several times for written proof and you have failed to do so. I have repeatedly sent in information showing and saying this account was fraudulent. So it needs to be removed at once.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Coinbase complaint. ( Case XXXX ) On XX/XX/XXXX a deposit of XXXX euro was made on my coinbase acount. 
When I tried to withdraw it it appeared my account was blocked and I was not able to withdraw. 
A few days later the XXXX euro was gone from my account. 
When I contacted Coinbase they said they can do nothing to restore it and the did not want to give the reason why. 
So my conclusion is that their software is no good or they just stole my money. 
I have in my posession the recording of the telephone call with the person who made the deposit and the screenshot of the moment the XXXX euro was still on my account. 
I hope you can help me get my money.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (CA)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2020-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.
Consumer complaint received 2024-02-18
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Office of the President, 5/3 Bank, I am writing with concern after attempting to resolve my mortgage issue over several months without resolution. I am only being told by XXXX XXXX that 5/3 is working on it but nothing is ever given in writing. I am now told that a new representative has Covid and will be delayed in speaking to me. I am willing to wait and work with 5/3 but I would feel better if I received something in writing telling me to wait until I hear back from them. I even attempted to make a {$2000.00} cash payment and was refused at the bank. This is not acceptable behavior as I am trying to save my home. 

I have contacted the President 's office numerous times over the past several months without a response. I have requested help from the better business bureau and the Attorney General 's Office and still no resolution. Phone calls are never made when 5/3 tells me to expect them. 

I would like to solve this problem as soon as possible but I would appreciate something in writing if I am being asked to wait. I am a veteran and a long time educator who is trying to resolve this issue and would appreciate some written confirmation as to the status of my case Respectfully, XXXX XXXX