davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

I made my payment to this company on XXXX for the mortgage due on XXXX. I 've paid them every month and would be current and only have to pay for the month of XXXX. They informed me that they sent my payment to the originator of my loan without informing me or discussing the situation. The originator of my loan was paid in full with no money due, however The Money Source still states that I owe them. I 've have bank statements that prove I 've paid them and would only be due for the month of XXXX. They have reported these inaccuracies to the credit bureau which has harmed my credit.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

This is account has been removed off the XX/XX/XXXXand XX/XX/XXXXand Experian refuse the remove the account XXXX XXXX XXXX # XXXX. As this is account is not my mines. 

Please see attachment.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
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. (MD)

This is regarding XXXXXXXX XXXX XXXX Account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( 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.

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2019-11-05
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2017-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MI)

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 and XXXX XXXX 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. 
XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

As of the date XXXX XXXX XXXX XXXX has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard XXXX XXXX Associates latest action as harassment.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a refund from XXXX for {$510.00} on XX/XX/XXXXXXXX. XXXX told me to wait 30 days before the money refund back to my savings account. So I waited and I still did not receive any money. I called BOA and they said they did not receive any money and XXXX said they already refund the money back to my account.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I received a direct mail offer on or around XXXX XXXX from American Express, to apply for their Platinum Delta Skymiles Card. The offer was enticing as it offered me XXXX Delta SkyMiles and XXXX MQM for spending {$3000.00} in the first 90 days. I immediately called XXXX and applied for this offer, but the rep taking my application, could n't locate my promotion offer code. She processed the application and promised to process an " Icare Case '' to add the promo code manually. However, the incorrect promo code was applied, and I only received XXXX Miles and XXXX MQM. This was not what I had expected or agreed to, and filed a follow up case. Since filing the follow up case, no resolution has been made, and XXXX is not guaranteeing me nor are they giving me the promotion for which I applied. This is unfair and deceptive practice by XXXX, in getting customers to apply for their credit cards. I offered to submit a copy of the direct mail offer that received for their review, but they refuse to take it for review as proof.
Consumer complaint received 2022-08-05
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: Grain Technology, Inc. (FL)

On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX grain technology reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry XXXX credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I was told by navy federal that I owed XXXX but I didnt know why apparently when I thought I lost my wallet in my room I lost it at a gym thats the last place I could think of thats the only time I take out my wallet so security told me that they were gon na close all my accounts and that until I pay them I wont be able to open back up with them and now I just called back and now I owe XXXX I havent had access to my bank account or my card and over a month and now Im just lost and confused with no way to pay this debt back
Consumer complaint received 2021-10-11
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST REPUBLIC BANK (MA)

In XXXX I consolidated my student loans with First Republic Bank. The loan issued by First Republic is a personal loan and not a student loan. A large incentive to consolidate the student loan debt into a personal loan was that First Republic would not report the loan to credit bureaus. This was promised and confirmed over and over by First Republic Bank Representatives. For the first 2 years of the loan it was not reported to the Credit Bureaus. However, First Republic changed their policy and reported the loan to the Credit Bureaus in XXXX. 

This drastically impacted my credit as a Personal Loan of this size is viewed much differently than a student loan. 

Now I have attempted to refinance the loan back as a student loan to avoid the negative credit reporting and can not do so as it is a personal loan. 

I emailed and called several people with First Republic who refused to change the credit reporting. These emails can be provided if necessary.
Consumer complaint received 2021-01-26
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. (MI)

I have sent letters over 120 days ago to this this bureau ( XXXX XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : XXXX
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

From XX/XX/XXXX to XX/XX/XXXX someone was using my cash app to send themselves money somehow wether my phone was hacked card was hacked or a friend was doing it family me never whatever the case I releaized on the XXXX that I was missing funds. So I called the bank immediately and put my claim in A couple weeks Pryor the bank had sent me a suspicious activity notice and shut my card off but I was on vacation with my girlfriend in an area I normally wouldnt be so I just assumed that was the reason for the stoppage and didnt think any big deal about it well turns out that that was bxc of the transactions on my account which I told them I did that well theyre saying bxc it started the XXXX and I didnt submit the claim until the XXXX that was there reason for denying my fraud claim when k was upfront honest and just needed my bank to protect me and refund my money I cried to them on the phone bxc that Im is the most bogus decision Ive ever heard I had them reopen my case I URGENTLY NEED HELP IM RUNNING OUT OF FUNDS AND IDK WHAT TO DO THE CLAIM IS FOR XXXX that might not be a lot to Bank of America but thats everything to me and I have to have my money back
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (GA)

I got a call from XXXX who claimed to be collecting debt on behalf of XXXX XXXX XXXX from 2019. They had an old address of mine ( XXXX XXXX XXXX ) but I haven't lived at that address in a while. I contacted XXXX XXXX  and they had no record of my debt. They claimed they were from Arms Solutions which is who XXXX XXXX  uses. I'm thinking it's a scam since they pressured me to pay immediately and did not answer when I called back.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Transaction Details Transaction Date : XX/XX/21 Transaction Amount : {$650.00} Merchant/Description : XXXX XXXX XXXX, I XXXX Dispute Details Dispute Date : XX/XX/21 Dispute Amount : {$650.00} Dispute ID : XXXX I have called Citi credit care company numerous times , sent them all the information they have requested. They assured me I would be credited multiple times ( which is recorded on their end ) but they never credited my account. The last conversation I had with them was they would call me back. If I received a call they never left a message.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/20 i received a notification from my alert on my bank account that the account as under {$50.00} threshold causing my account to be in the negative. I called an spoke with an agent that advise that they were going to remove the fees and the charges and my account would go back to having a positive balance. I have checked my account every day as i have had trouble in the past few years with chase and no longer trust they handle things properly. I received no other alerts from my account about the balance being under the {$50.00} threshold and i saw my account in the positive every day. I woke up on XX/XX/20 to see that i was back in the negative and this time i was charged two XXXX over draft fees due to the account going into the next business day in the negative. I have the alert on the account to prevent the account from going into the next business day in the negative. Due to not getting the notifcation that i was back in the negative i was charged the fees and not given the chance to move money around. 

Each agent i spoke to on XX/XX/20 was rude and inappropriate as they talked over me and did not want me to provide the background on the case. The one agent stop me in the middle of my sentence to tell me that unless this had something to do with the claim there was no point for me to tell what happen. I am a customer and i deserve to provide all details i need to feel like im being clear and understandable. I have banked with chase for several years and this was the final straw for me.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I did not file for unemployment yet I have now received a XXXX XXXX XXXX/XXXX  card and have been unable to contact the state or card issuer ( US Bank ) to discontinue this process. Please help.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit card with Capital One started having problems around XXXX when I was given credit limitations and they seem totally inappropriate for my account and I had a bank account with them. My card got stolen and then I got a new card that got eaten up by a Capital One ATM and nothing was ever done about it. I found out that they were only giving me like basically a {$500.00} limit for the entire card which I found very hard to believe and my credit score was that XXXX before this happened.
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (TX)

I have tried to dispute this account with XXXX, Experian, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (TX)

I have tried to dispute this account with XXXX, XXXX, and Equifax. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter
Consumer complaint received 2022-04-26
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. (LA)

In accordance with the Fair Credit Reporting act 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.