davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) XXXX IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I received a letter dated XX/XX/2022 from ChexSystems. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. XXXX XXXX & XXXX XXXX XXXX have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?
Consumer complaint received 2023-03-19
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: Grow Credit Inc (MD)

GROWN CREDIT INChas illegally reported a total count of twenty-five late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

I am making this complaint against Discover for violating federal law under 15 USC 1681 and 15 USC 1692. I have never given Discover any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have never received the documentation i requested from this company. If Discover can not provide me with proof that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. As of XXXX XXXX XXXX I have not received any documentary evidence, such as a bilateral contract, giving Discover any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I have already sent a a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Discover can provide me with sufficient documentary evidence that I have any legal obligation to pay them and they still have been communicating with me and reporting to the consumer reporting agencies without my permission. Your prompt attention and response are both requested and required.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (VA)

I called this company on XXXX XXXX, 2017 at approximately XXXX ( EST ). The first representative I spoke with was XXXX XXXX. The phone call lasted for XXXX minutes and 3 seconds. He furnished some of the information regarding the medical debts his company had come to own but did not provide enough information for me to be able to understand exactly where and when the debt was coming from. There were multiple accounts and the dates seemed different than what my records indicated. I was trying to ask questions about the debt and questions about how to pay the debt. I insisted that I was willing to pay the debt. I was XXXX. I was not yelling or using any profane or derogatory or defamatory type language toward XXXX. He indicated that he was ending the call and hung up. I called back and XXXX happened to answer the phone this time as well ; I asked to be transferred to a manager. I spoke with XXXX XXXX. XXXX XXXX was able to more clearly tell me where the debt originated from. During our conversation, I agreed to pay a lump sum over {$600.00} to resolve the debt and have it deleted from the XXXX reporting bureaus, XXXX, XXXX and XXXX. Having XXXX " ghost debts '' that were bought from a third party being reported by this fourth party, Commonwealth Financial Systems is about the worst and most damaging thing that could happen to me at the moment. I am on social security XXXX due to XXXX. My husband is XXXX from the XXXX XXXX as of XXXX XXXX, 2017. With his XXXX approaching, we may need to sell our house and either rent an apartment or buy a home. I have worked hard to have good credit. Other than the future of being able to secure housing, I am concerned XXXX different accounts listed for collection, will be quite damaging to my financial situation. I have credit cards fro the purpose of building my credit history and I am very concerned that such a drastic change may impact the rest of my credit health which I have been very careful with. I use XXXX XXXX, XXXX XXXX and XXXX XXXX to stay on track with my credit. If the companies that furnish my cards lower my limits as a result of these collections, it will take me a minimum of 6 months, and probably longer to recover my good credit standing. I have been promised that the derogatory marks will be removed by this company and I was assured this morning, XXXX XXXX, 2017, by XXXX that the company had already started the process of having these remarks removed. XXXX XXXX should have been more professional and helpful and should not have hung up the phone. I should have been furnished with the proper information and he should have been willing to work with me regarding the payment of the debt. 

XXXX XXXX assured me deleting the collections from the XXXX buraeus, XXXX , XXXX and XXXX and mailing letters of deletion to me to give me confirmation that the information was deleted from the XXXX respective bureas. 


XXXX XXXX
Consumer complaint received 2020-03-04
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: DISCOVER BANK (TN)

Hello ConsumerFinanceProtectionBureau, and Discover Financial Services I'm writing in dispute to my account. It appears my card has been skimmed somewhere, some how and for some reason. 

I'm requesting any payments made to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX or however it appears on your end, XXXX XXXX, immediately be reversed and returned to me as soon as possible. 

It turns out someone also made fake payments to my account just to keep flipping the balance back and forth. 

At this time I will not be accepting any calls, everything must be done through the CFPB Portal, or by email. 


I've attached a statement to verify myself.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MA)

My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.
Consumer complaint received 2015-08-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I made a transfer to my XXXX account through Money Gram online through the website moneygram.com on XXXX of XXXX. But the money was never received. When I called the moneygram customer care, they said that the account number was incorrect ( Although I do n't believe that ), and the transaction will be cancelled and the full amount will get credited to my account. But I never got the refund. 

When I tried calling them again, they said the receiving bank did n't return the amount and I was asked to contact the Recipient XXXX bank myself, to speed up the process. I contacted the Recipient XXXX bank ( XXXX Bank ), they said that if the account number is incorrect, the money will be returned to the sender immediately. But I was not sure why moneygram is playing with my money. 

Also the moneygram customer care is worst, the customer care officer will transfer the call to second level support which takes at least 20 mins to connect to.
Consumer complaint received 2015-07-26
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hello, I had processed a moneygram for a person named XXXX XXXX based off in North Carolina. The transaction was a total for {$240.00}. The agreement was that I will be required to pay half and once I receive shipment, the rest. After paying the half, XXXX seems to have gone underground with it. I can not reach him on either of his numbers. The reference number for the moneygram is XXXX. I am not expecting to recover from this sort of fraud but atleast that he gets caught and does not repeat the same thing again with someone else. 

XXXX XXXX is based off in North Carolina and his cellphone numbers are XXXX and XXXX.
Consumer complaint received 2021-10-03
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. (GA)

I sent in documentation to XXXX, XXXX, and Experian that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I need to access my safety deposit box at the Wells Fargo XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, GA XXXX ), but I have not been able to get in touch with someone who can get me access to the box. The branch is supposedly temporarily closed due to Covid-19. I have contacted Wells Fargo and followed their process to gain access, however I have not gotten a response from anyone that can help me. This has been ongoing since XXXX XX/XX/2022. I need to access important papers in my safety deposit box asap.
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (CO)

I am selling my house, set to close on XXXX XXXX. I have an insurance claim out due to hail damage and am getting a new roof and gutter, which needs to be complete before the house closes. The contractor and I followed all the mortgager rules to the " T '' to get the insurance check to them including a pre paid envelope to ensure the check to the contractor and I gets back to us in 5 days. We were ensured everyday that is would be mailed to us on XXXX/XXXX/15. That did n't happen, we have called everyday since and someone says it 's going out today you 'll have it tomorrow to we ca n't use the envelope you sent we have to use a different one. They say fed ex has it and I talked to fed ex and they do not have it, they said they have not been called to pick it up. I called and talked to a manager, XXXX, today and he assured me that he or someone would walk to the mail room make sure it is really there and going to be picked up today and they would call me back. Three hours later, I finally received a call from XXXX and she said she took it there yesterday herself before time for XXXX to pick it up, so she does n't know what else she can do. She said she ca n't make it to the mail room to check before they close. So right now, we do n't know where the money is, if it is coming, and if not can I still sell my house while the monies are out there somewhere? I have always paid my mortgage on time, and I feel that right now Flagstar Bank could n't care less about a customer.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Recovery Solutions (LA)

My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I purchased an Elliptical machine from XXXX XXXX on XX/XX/XXXX, with 12 months interest free financing done by Citizens One. Statement shows a charge for XXXX XX/XX/XXXX for {$2300.00}, 0 % APR 12 MO. I never received a paper statement showing when payment was due or who to send monies to. I did receive a email about statements, but it kept trying to have me set up autopay, which I don't do. Because of this, I was late on my 1st payment, but after calling XXXX to get info needed, Imade two payments in XX/XX/XXXX to catch up. All my statements showed " The current rate 0.000 % will end on XX/XX/XXXX ''. I paid {$200.00} a month to pay off the machine. My final payment of {$170.00} was posted and received by Citizens One on XXXX XX/XX/XXXX. However, I did not catch that XXXX had changed the 0 % APR pay off date to XXXX XX/XX/XXXX on the statement dated XXXX XX/XX/XXXX. I have never seen a company change payoff date in 40 years. But XXXX did it. They then were able to charge me interest of {$1.00}, which I paid and have asked for a refund. I am not a lawyer but this appears to be a deceptive practice and should be illegal. I want everyone in USA to know how Citizen One operates, so they do not get caught up in their deceptive practice.
Consumer complaint received 2020-10-17
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. (MN)

The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX  {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-19
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. (NV)

Account Name XXXX XXXX XXXX Acount number XXXX Date Opened XX/XX/2020 Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2020 Account Name : XXXX  XXXX Bank Account number XXXX Date opened : XX/XX/2020 All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance company.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

I was not able to get online to see interest that would be added to my account because when I signed up for the card it chose evil. XXXX came around without any notice from anyone knowing I could not get online and I was having to make payments over the phone a {$200.00} interest rate was added. I feel like customer service should have informed me bacauae I had no other way to be informed of the charge that was goingg to happen,
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (TX)

we have had a chase credit card account for our business for nearly XXXX years. it has never showed on our personal credit reports. a payment was late in XXXX XXXX this was a bank error. chase decided to report this lateness to the credit bureaus and put the account on our credit reports even though the account and the previous XXXX years of on time payments had never before been on the personal credit reports. as long as it was in a positive status they did n't bother reporting it. only when it was late did they decide to add it. this late payment status has negatively affected my credit and has caused a lengthy mortgage refinance process to come to a halt over this late payment on the credit report. without this refinance we stand to lose close to {$90000.00}. chase will not entertain the possibility that this is an error. they refuse to change the information. they do n't care even a little about customer service or a decade long customer relationship. they did not speak with us prior to this action.