davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (MS)

On Tuesday, XX/XX/2022 at XXXX a.m. I received an email from " Experian '' with the following email address XXXX. This email states that my credit FICO score had changed, then stating that it increased. I have reported numerous emails to the FTC, as I get frequent responses by Experian ( i.e. several in a month ) without using any of my credit and not sure why they are continuously reporting that my credit is increasing and decreasing. It concerns me that someone has accessed my personal information, although when I check my XXXX credit card and my XXXX banking account that I own, there are no fraudulent charges. I have also looked at my credit report at the beginning of this year and did not see any unknown activity. I currently can not access a free report, but will do so when I can. Is someone able to utilize financial information that belongs to me to create accounts that I would be unaware of? 

This is the last email I received : XXXX, your XXXX Score has been updated XXXX Mail / Spam Experian Alerts XXXX To : XXXX Tue, XXXX XXXX at XXXX AM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images Why is this message in Spam? 
We believe this message is spam as you marked previous messages from the same sender as spam. If you want to receive future messages from this sender, please mark it as XXXX XXXX '. 
It's not spam Experian Membership ID # XXXX Member Sign In XXXX, please review your alerts FICO Score Great job! Your hard work paid off and your score increased. 
FICO Score Your score rating changed. 
See all alerts XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX an Experian company. All rights reserved. 
po box XXXX XXXX, TX, XXXX, XXXX
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TN)

XX/XX/XXXX I began a loan with Credit Acceptance, at that time i had a stable job and was able to afford the payments which were {$280.00} a month, I was paid bi-weekly, which made my payments {$140.00} every two weeks, I then began a new job that paid more so at times I was able to pay extra.Fast forward to XXXX, I found out I was expecting and through out that time I experienced some complications that prevented me to be able to work at that time. XXXX rolled around, after welcoming my new addition I was the sole caregiver and still was not able to work payments were made when I was able to. XXXX I still was not able to work, I did not end up going back to work until XX/XX/XXXX, It was a part time job just to get through my first year of college I did make payments when I was able to. In In XXXX of XXXX, My family and I went on vacation XXXX  and XXXX minutes away, with that being said my son who wasn't even two at the time was with me, how this place knew where I was located at this time I have no idea.The morning of XX/XX/XXXX I woke up to go get something out of my car only to find out my car was nowhere in sight, my first thought was my car had been stolen, no it was repossessed so I automatically called said company the lady I spoke to told me that there was no order on my car. And i asked how in the world I was supposed to get home from where I was long story short I had to pay {$900.00} and some change to get my car backXXXX XXXX XXXX, I finally secured a good decent paying job as it has allowed me to be able to set up auto-payments with said company. Even when I make payments they still call me to make payments when it automatically comes out of my bank account every other friday. I also recently tried to trade my car in my paperwork I currently have it states that if i wanted to sale or trade in my car i had to have their permission I called and was told I do not have to have their permission that it was up to the dealer if they wanted to buy it.I was then told that my payoff was {$3100.00} one day and then i called back a different day and was told i only owed {$2900.00} they are also saying that Im 120 days late with payments which i am not i have been making payments when I asked about that i was told i was 586 days behind on payments dating back to XXXX which I find that not to be fair when i have been making payments and almost have the car paid off. My payments now are {$190.00} every two weeks.
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

To whom it may concern ; Midland mortgage, is still being deceitful in their dealings and business practices with me. On XX/XX/XXXX I filed a claim against them for not being clear about my recovery options and being illusive in regards to the calculations I received. On XX/XX/XXXX at or around XXXX XXXX  XXXX, XXXX XXXX offered me XXXX for my new monthly payments, which I accepted. I wrote in to CFPB make sure it was calculated according to the rules, due my poor experience with Midland mortgage. Midland mortgage responded stating, that is the agreement and to get my utility bill in asap. I immediately complied and sent them the document. After calling in several times, they finally verified receipt of document and later sent a letter confirming. On or about XX/XX/XXXX I looked at the modification Midland mortgage has sent and it is totally different than the amount we agreed to and it has a higher interest rate and amount to the price of XXXX. I called in and spoke to a loss mitigation officer who told me, that the interest is calculated from the time it is offered. They made error in calculating my mortgage with the recent rates. The records clearly shows and confirms my offer was made on XX/XX/XXXX at XXXX XXXX by XXXX XXXX and confirmed through correspondence. Please find attached Midland mortgage modification, acknowledgement of offer and confirmation of utility receipt. Thank you
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$160.00} / XX/XX/2022 XXXX / {$540.00} / XX/XX/2022
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (CO)

Collection company that purchased old debt from original company. Then filled a lawsuit against me for debt purchase from said company and is not original debt ownership and law firm retained for said lawsuit has contracted a process server that would harass my home that Im not the only tenant in and disrespected and was disrespectful to other tenants is home and would wait outside and walk up to windows and look inside creating a disturbance for other people in home
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$540.00} / XX/XX/2022
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am the executor of a small estate. The decedent had a small account ( {$3100.00} ) at Bank of America. In XXXX of 2020 I spoke to Estate Servicing at B of A about having the funds released to me. They required a copy of the will, death certificate and a letter of direction, all of which I submitted. I have called and emailed repeatedly since then. They have ignored my communications and changed their requirements multiple times. Calling customer service requires 40 minutes to over an hour of hold time, and the time commitment per call is generally around two hours. After finally promising to release the funds to me by check payable to the estate ( which I may or may not have been able to negotiate ), they once again reneged and now say that I need documentation from a Florida court in order for them to release the funds. ( The decedent was domiciled in Florida at the time of her death. ) The Circuit Court of XXXX XXXX ( where she died ) does NOT require this, it is a bank policy which they will not waive, and I can not obtain what they are asking without hiring Florida counsel for a cost in excess of the funds being held. So basically the bank is stealing the {$3000.00} by denying me the ability to access the funds.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NV)

Complaint Title/Subject : Fraudulent cashing at BNY MELLON in XXXX, MA on XX/XX/2022 of XXXX Charitable Check # XXXX, pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX. 

I'm the grantor of the said XXXX Charitable Account. I requested XXXX XXXX to mail a {$500.00} donation check to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The XXXX XXXXXXXX XXXX XXXX XXXX  never got the check. 

A scammer or fraudster stole the above-mentioned check, endorsed it and deposited it to BNY MELLON in XXXX, MA as evidenced by the fake endorsement on the back of the check that XXXX Investments showed me as proof of encashment. 

BNY MELLON in XXXX, MA should have never encashed the check and should return to my account at XXXX Charitable the {$500.00}. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TX)

I recently learned an account with FNBP without my knowledge. I spoke to the fraud department and they told me that if I paid the account off that it would be removed from my XXXX report. I then received a letter from them stating the same. I called the collection agency and paid the amount due, but my XXXX  report was updated by FNBP as paid/closed and not removed as they stated. 

Full Name : XXXX XXXX SSN : XXXX DOB : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on Equifax, and XXXX on XXXX and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Phelan Hallinan & Jones, LLC (GA)

I'm a XXXX year old retired XXXX XXXX Veteran. As a proud Veteran, I humble myself seeking help for a legal battle stemming from an illegal foreclosure while suffering a XXXX. When I wear my military hat, people come up to me and say " THANK YOU FOR YOUR SERVICE ''. Three foreclosures on the same property and with the same account have been documented. Now I have until XX/XX/2018 to pay a lump sum of {$18000.00} into the registry or be homeless. My legal rights in the XXXX County court system were violated.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased gas at the gas station. Shortly thereafter, I received a charge XXXX miles away at the XXXX XXXX. I reported that my card had been stolen to Capital One. I even provided proof of me at the gym in XXXX at the same time of the transaction which occurred XXXX miles away in XXXX. This occured on Tuesday, XX/XX/2023. The transaction total was {$1000.00}. 

I immediately called Capital One and canceled my card. I also filed a police report in order for them to investigate. I provided Capital One with evidence that I was at the gym at the time of the incident. I have called in to Capital one at least 5 times. They refuse to reimburse me. 

The mastercard  zero fraud policy states that... 

" Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if : You have used reasonable care in protecting your card from loss or theft ; and You promptly reported loss or theft to your financial institution. '' I qualify for the mastercard  zero fraud liability policy. Capital One refuses to refund me my {$1000.00}.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (NC)

My credit balance refund from Ally in the amount of {$7600.00} was never sent to me. Instead Ally stated they refunded it to a bank that is not mine. 

I am not receiving responses from Ally 's leadership. 

On XX/XX/year>, I received a hard copy letter from Ally Financial stating " We have received your request for a credit balance refund, and a credit check will be forwarded to you upon verification of the correct dollar amount. '' However, to my surprise and concern when I reached out for the third time on XX/XX/year> to receive an update regarding status of check ( since it had been over 30 days ), the refund was instead issued/ '' refunded to a bank, that is not the bank that I hold an account with nor the bank that initially deposited/sent the money to my Ally credit card account. 

This error has caused me significant inconvenience, and I am now left without access to the funds that were supposed to be returned to me, as well as I am paying interest on this money that I have not received. I was told on XX/XX/year>, by a supervisor that someone would get back to me in XXXX weeks. I shared with the supervisor that it was not acceptable to hear back from someone in XXXX weeks due to the large amount of money missing. I then requested someone call me the next day, XX/XX/year>, which they said they would. I decided to call again today, XX/XX/year>, to ensure that this matter would be addressed immediately, and I spoke with another supervisor and asked to speak with a XXXX. The supervisor said she could only submit a request to her XXXX to call me within XXXX business days. 

I then took it upon myself to email XXXX Financial Officers of Ally. These were people who oversee finances in some form ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

The in turn forwarded my matter to XXXX Customer Relations ( ECR ). A person named XXXX in XXXX emailed me sharing that this matter would be taken care of. XXXX said, We are in receipt of your email correspondence addressed to our executives. XXXX XXXX XXXX represents the offices of our executives. We have engaged the proper teams for investigation, and we will respond in writing as soon as possible with a resolution. We regret any inconvenience this matter may have caused you.

This is unacceptable. Again, the amount of money missing should be addressed and handled urgently. I do not feel anyone has taken my concerns seriously and with urgency. I requested their immediate attention to rectify this issue and ensure that my credit balance is refunded to me directly, as originally promised in their letter mailed to my attention.

I requested in email that the following be addressed, but no update has been provided : 1. Investigate the cause of this error and provide me with a detailed explanation.

2. Arrange for the correct processing of my refund to be issued directly to me without further delay. 
XXXX. Inform me of the measures taken to prevent such errors in the future.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

Hi there, I just got off the phone with Radius Global Solutions and was told that I have a debt of {$650.00}. With this information they gave. It looks like this was an identity theft since they had my SSN. 

It is reported the charge is for XXXX XXXX services and failure to return the equipment in Nevada. I only discovered this because I kept getting a message from Radius GS ( I thought this was a scam ) and my credit score recently decreased by a significant margin. 

I have lived in California only since I moved to the US in XXXX.