davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (IL)

XXXX, Transunion, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Consumer complaint received 2019-03-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I had a lease with Nissan. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
Nissan was paid by my insurance company XXXX. When Nissan close the account they listed a remark early termination balance owning. I contacted Nissan to get this corrected and I disputed with the credit XXXX, XXXX and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to Nissan. Everything was paid off including property taxes.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Aligned Company DBA Extra (NV)

On XX/XX/2021 XXXX XXXX XXXX alleges that I made a purchase of {$56.00} at a grocery store. I didn't shop at any grocery store on that date. I communicated this to XXXX XXXX XXXX. My checking account was debited for the charge anyway. I closed my XXXX XXXX XXXX account on XX/XX/2021. On XX/XX/2021 I initiated a dispute against the XXXX XXXX XXXX charge with my bank. XXXX XXXX XXXX was not able to validate the charge with my bank therefore I won the dispute & the charge was reversed. XXXX XXXX XXXX reopened my account without my permission, unsuccessfully attempted to debit my account, and has since spammed my email inbox demanding that I pay {$56.00}. My XXXX XXXX ends in XXXX.
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. 

On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. 

XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC (MI)

This seems to stem from a business account that I guaranteed and this debt collector never tried to collect from the business and no written communication was ever received. There was also no attempted to collect from me personally prior to putting a derogatory item on my credit report. This action by the debt collector has caused great financial harm to me because of the credit score impact and has prevented me from obtaining necessary financing. ATG credit ( debt collector ) has entered a derogatory item in collections which never appeared on my credit report previously as a balance, nor was ever reported as a late pay for the amount of {$2200.00}. I have repeatedly tried to contact them and they have been combative at best. XXXX XXXX ( of ATG Credit ) finally emailed documents to me but until XX/XX/2024 I had no idea what this was even for because I've never heard of ATG Credit before in my life.
Consumer complaint received 2021-08-12
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. (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 2017-05-21
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. (SC)

I received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I received and reviewed my Chex Systems Consumer Report ID : XXXX and there are still inquiries viewed by others still listed and showing on my Chex Systems Consumer Report that Chex Systems previously informed me and the Consumer Financial Protection Bureau ( CFPB ) that they deleted and removed from my Chex Systems Consumer Report. Review Consumer Financial Protection Bureau Complaint : XXXX. I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others are fraudulent inquiries and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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: Progrexion Holdings, Inc. (OH)

In XXXX of 2021 someone filed a fraudulant claim with Ohio Unemployment. There was also two charges on my checking account to The XXXX XXXX XXXX. I have already resolved that issue with my bank. I retrieved my credit report and there were a few soft inquiries in XXXX that I did not request. One was Progrexion and another one was XXXX in XXXX, Ohio.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kirschenbaum & Phillips P.C (NY)

Without any prior notification, an account from JP Morgan Chase was hacked and money moved, this seemed to be rectified by Chase but shortly thereafter the account was frozen by civil court order of New York initiated by Kirshenbaum & Philips XXXX XXXX XXXX, XXXX, New York XXXX. Promptly, I filed in person at the court a notice to vacate based upon several issues including failure of proper service, statute of limitations ( termination of any contact creditor goes back to early XXXX. This was granted by XXXX XXXX. XXXX dated and generated on XXXX XXXX. Before the scheduled hearing, another account at XXXX XXXX XXXXXXXX ( checking account ) was also frozen dated XX/XX/XXXX. The total sums are far in excess of any purported date owed. Because of weekend restraints by XXXX  XXXX XXXX, I could not access the new improper court order by KIrshenbaum & Philips freezing my XXXX XXXX XXXXXXXX account. 
At the hearing to vacate on XX/XX/XXXX, XXXX XXXX at NY XXXX XXXX without ruling for lack of hard copy did speculate that this would violate the original court order. 
I judge this action by Kirshenbaum & Philips and their client XXXX XXXX XXXX to be engaging in violation of a legitimate court order, and correspondingly acting in a threatening, harassing and aggressive action against me,
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I use MoneyGram send {$140.00} to XXXX, inXX/XX/2019.But received didnt receive the money, I connected them. But No help. My Reference # XXXX
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On The date of XX/XX/2021 Im sending payment check to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX of the amounts of {$2000.00} from my personal CHASE checking account to pay to my mortgage. On the date of XX/XX/2021 the XXXX XXXX XXXX XXXX notify me, they havent received the check I sent yet. I went to chase bank where I wrote the check to XXXX XXXX XXXX XXXX. The Chase banks notifying me they have funds {$2000.00} to a wrong receiver, not XXXX XXXX XXXX XXXX. 

I have filed a fraud complaint more once with Chase Bank, theyre asked me to wait 90 days, after 90 days as promised, Chase Banks still not refunded to me. Todays, after 4 months, Chase banks stilled neglect, and refusing to return my moneys, Its clearly Chase Banks faults, for not doing their jobs rights, fund a customer to a wrong receiver. 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Account : XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I took out a {$100.00} loan from Check Smart on XXXX XXXX in XXXX Ohio in late XX/XX/XXXX/early XXXX.My first loan payment was to be made in the month of XXXX. I was unable to make the payment and was contacted by the corporate office to make arrangements. I agreed to pay the amount of the loan in full on XX/XX/XXXX. Although these arrangements had been made, I continued to receive calls from the local store where the loan originated. The most frequent calls were made to my place of employment despite the fact I requested my employer not be contacted. 

I was kept on hold for an excessive time on XX/XX/XXXX and was not able to make the payment. The morning of XX/XX/XXXX, an employee at the local Check Smart called me to ask about the payment. I told her I had already made arrangements with the corporate office and would be calling today to make the payment. The employee asked that I come into the local office to make the payment. I explained that I was at work and could not come in at this time, however the corporate office stated the matter could be taken care of via phone call. The employee then stated, " I know you aren't at work. I called your place of work this morning and was told you weren't there. '' I explained that I do work offsite and that is why I wasn't in the building today. The employee wanted to argue with me that I wasn't at work and accused me of lying. I then reminded her that I had requested not to contacted at work as I am a XXXX XXXX in a XXXX XXXX XXXX for XXXX XXXX XXXX and was not able to take personal calls. The employee stated, " I will continue to call until this matter is taken care of. Make a payment and I will stop calling. '' I explained to the employee that is does go against my rights as a consumer and I felt she was being harassing. Her reply again was, " Well make a payment and I will stop calling. I will note not to call you at work but we will continue to call until this is taken care of. '' The employee then hung up and ended the call without a formal goodbye or any type of resolution. I should mention that Check Smart did disclose to my employer that they were trying to collect a payment on a defaulted loan. This was humiliating as a professional. 

Immediately following this call, I contacted the corporate office and paid off the loan in full, as promised. I was told the calls were being recorded for quality assurance purposes. The company should be in possession of a recording of these conversations and it should serve as proof that the above encounter did occur and the employee at the local Check Smart needs further training on Fair Debt Collection Practices as well as customer service.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a matter regarding the denial of securities by XXXX XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). 

Recently, I submitted a registered security to XXXX XXXX, as per their requirements. However, my application was denied based on information provided by TransUnion. It is pertinent to note that this denial occurred despite my XXXX XXXX, which should not be grounds for refusal of access to my securities. 

I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. 

I am seeking compensation for the denial of my securities by XXXX XXXX. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. 

Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. 

Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a claim with Bank of America in XXXX oXXXX XXXX  In the claim I had provided them with a police report and a statement letter to support my claim. While I was out of country, someone broke in to my home and stole the valueable things which also included my identity info, such as my SSN and my bank cards. I tried to work with them to get my money back but they don't seem to care. This is my only source of income so not having access to it is very challenging. 

Someone stole {$7100.00} from my account and I've been contacting bank of America hoping my claim would be resolved but no they keep denying my claim. I disagree with The letter they sent me in regards to why they denied my claim. They included a footage of me withdrawing money from the atm which does not support my claim. The transactions I claimed did not include any ATM withdrawal from the bank of America ATM so I don't know how they came to the decision of denying my claim without doing a proper investigation. I need my money. I'm a victim of identity theft. This is my last attempt to trying to get my money back from the company, I will be taking legal action regarding this matter if not resolved.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Neiman, Stone & McCormick , P.C. (IA)

Today day at XXXXXXXX XXXX my bank account has a hold from a Deb collector who been threatening with jail time and making discriminatory comments against me and my person they didnt warn me about any legal action I am a person who has a XXXX medical condition this is causing me problems XXXX XXXX XXXX XXXX XXXX XXXX because they dont stop bullying with this pelease a need help they be telling me that I didnt make any payment when he lied I make a payment. I just stopped making payment because I went in a car accident last winter.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Chex Systems previously responded to the Consumer Financial Protection Bureau ( CFPB ) complaint : XXXX informing me and the Consumer Financial Protection Bureau that they have deleted and removed the following fraudulent Inquiries Viewed By Others on my Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent inquiries viewed by others is still listed and showing on my Chex Systems Consumer Report, after Chex Systems informed me and the Consumer Financial Protection Bureau ( CFPB ) that they deleted and removed the inquiries viewed by others from my Chex Systems Consumer Report. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I closed my card because I wasn't using it and did not want to pay a membership fee for a card I don't use. My balance was XXXX. Spoke to Citibank customer service told them to close the card in XXXX was assured I would get a confirmation # and they never sent one called 2 more times same issue same response but still they harass me with phone calls and messages demanding payment of a membership fee {$99.00} for a card I don't use and haven't used for months with a XXXX balance. Only balance showing is their membership fee. Please help me get them to stop calling and harassing me.