davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that XXXX XXXX XXXX, XXXX. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, XXXX XXXX XXXX, XXXX. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And XXXX XXXX XXXX, XXXX. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX  Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (FL)

I dear have pay the debt I have a email all provide I have call the debt collector company but they dont take off, still show in my report. 

I already paid the academy the contract is no longer with the collection company and they continue to leave it in the report, I've already called the collection company several times, the academy has already sent me an email to the collection company that has been paid and has already sent it to collection company also plus the nap collection company removes from my report, I send all the prints I have. Thanks
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-06-10
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. (MI)

I have filed a dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Dear CFPB, PayPal closed my account for no reason and will not help me with getting it back up and going. Two days ago, everything was going well in PayPal, but this morning when I opened PayPal, there was a notification that you are no longer a PayPal user. PayPal also asked us for some documents on XXXX XXXX and then we gave them the requested documents to resolve the issue of the account. And they told us to review it in 3 days but then they didn't get any mail. We thought everything would be fine. But over the next few days, they permanently limited my PayPal account. 
We did not withdraw a single amount. We were thinking that we would get the money in a few days and then pay the bill of the product supplier but that didn't happen. All our money is stuck in PayPal. Don't understand what to do. This has had a huge impact on our buisness. If we don't pay our product supplier, he will stop our work and from above he can also make a case against us.So we are going to have a lot of consequences due to this issue. I'm not saying anything else but PayPal just didn't want to do that without letting us know. We are in a lot of trouble. Please help us CFPB. 
Thankyou CFPB.
Consumer complaint received 2020-12-06
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: Bread Financial Holdings, Inc. (NY)

Comenity Bank illegitimately closed my XXXX Account for no reason in XX/XX/2020. Comenity Bank then lowered credit limits for : XXXX  XXXX, XXXX, and XXXX XXXX XXXX cards as a result of a dispute I was handling with XXXX. Comenity bank improperly used information from dispute with XXXX and lowered my credit limits on all other credit cards severely negatively impacting my credit score, despite every other credit card being paid on time / no missed payments. I have attempted contact via phone and email to no avail to settle the dispute and restore my credit card limits which will also help restore my higher credit score.
Consumer complaint received 2020-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

World Finance company added a invalid charge off to my account. It states that I owe them a balance of {$470.00}. And my last payment was XX/XX/XXXX. I never made a payment to them and i never open this account. 

I had a charge off with them and {$260.00} was remaining. Below is the attached from that.And that account was in XXXX. Why are two balances reporting to My credit report? Please delete this inaccurate information
Consumer complaint received 2023-08-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION (CA)

On XXXX I financed a XXXX XXXX XXXXXXXX from through XXXX XXXX XXXX and Lobel Financial. Lobel Financial is in violation of 15 USC 1692e false or misleading representations of the Federal Truth in Lending Act disclosure retail installment loan being PAID IN FULL by my credit transaction finance charge pursuant to 15 USC 1605. The use of my social security number ( credit card 15 USC 1642 & 15 USC 1602l, m, n, o, p ) at XXXX XXXX XXXX and the loan sold to Lobel Financial on XXXX. Furthermore, I paid a {$4500.00} down payment and for full coverage insurance at {$280.00} per month plus a car note of $ XXXX {$340.00} per month. Placed Lobel Financial as lein holder of the car in violation of 15 USC 1605 having been given no full disclosure to my right to rescission 15 USC 1635. No correction of billing errors pursuant to 15 USC 1666 on billing statements or letterhead violating 15 USC 1611 & 15 USC 1640 & 15 USC 15. Lobel Financial have liability for breach of fiduciary duty 29 USC 1109 failing to do whats in the best interest for my benefit by LAW.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (OH)

On XX/XX/2023, I applied for the Aspire credit card and was denied for the following reasons : Credit score provided : XXXX Review screenshot score provided directly from XXXX : XXXX Delinquent or derogatory status on accounts is too recent. 

Answer : There is not any recent or derogatory status on accounts besides the collection accounts, yet they are excessively old dated back to XXXX Not enough balance paid down over time on revolving accounts Answer : Revolving credit does not have any balances " please review screenshot Unpaid collections Answer : Unpaid collections are several years old and do not have significant impact any longer over XXXX years old. 
There are only XXXX collections withe XXXX of them being medical that should have been paid for by insurance. 


No open revolving accounts in your credit file Answer : There are open revolving on the account, review attached screenshot Number of inquiries adversely affected the score - impact was not significant. 
Answer : The score you provided was not accurate but you are a lender geared towards surprise lending and thr credit score has qualified for previous applicants except mine because I am XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (TN)

I have had a Discover card for over XXXX years and always have had my account set for automatic payments. 

In XXXX my checking account was compromised by criminals and my bank said that I would have to close my checking and get a new account with a new number. 

I called Discover on XX/XX/ and notified the rep that I had a new checking account number and that I wanted to manually process my XXXX payment and that I wanted my old checking account deleted and the new account added for automatic payments going forward. 
I read my new account number to the rep no less than four times. 

I ended the call, thinking that all was well and thought no more of the issue. 

On XX/XX/ during the middle of the day, I received a call from the collections department at Discover. 

I explained to the rep on XX/XX/ what my conversation with the rep on XX/XX/ was and how I had given them my new checking information. 
The phone rep said that Discover had tried to process my payment on my OLD account and that it had been returned. 

I gave the rep my checking information for the FIFTH time on XX/XX/ and she processed my payment and said she was adding the account to automatic payment. 
The rep went further to tell me that Discover would listen to the XX/XX/23call and would find out why the rep failed to perform his job. 

I left the call on XX/XX/ feeling that my issues were resolved and no further action was required on my part. 

OXX/XX/23 Discover did not process my automatic payment as they should have. 
Discover reported me as late on the credit bureaus. 

On XX/XX/23Discover reduced my credit limit from {$33000.00} to {$24000.00} which caused me to be over my limit, and also began charging me the " default '' rate. 

On XX/XX/ I called Discover, spoke to a rep named XXXX in the XXXX call center ( XXXX is her supervisor ). XXXX assured me that she would look into this issue and that she would call me back on my cell phone onXX/XX/23 at XXXX XXXX. 

XXXX never called, I waited until XXXXXXXX XXXX and called Discover onXX/XX/23I spoke to a rep in Ohio named XXXX. XXXX was very professional and at present says that he is still looking into the matter. 

I need for Discover to remove the late payment report from my account and from the credit bureaus immediately. 

I want my credit line restored back to {$33000.00} where it was prior to XX/XX/ and any default apr to be removed and the apr to reflect a customer in good standing. 

I want a written apology from DISCOVER. I have NEVER BEEN LATE paying DISCOVER.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened an account online with a promo code XXXX. The account was closed per their fraud department within two days due to verification ( I was not able to get into a branch to verify my identity due to no appointments were available until Saturday ). At that point the branch employee opened a new account and attached the promo code and told me I would still get the {$100.00} promo as long as I made the deposits within the timeframe ( I made the amounts required ). The banker actually advised that the amounts did not have to be {$250.00} exactly, but as long as they added up to the {$250.00} during the month, I would still qualify. I did not fully believe her so I made sure to have the {$250.00} or more direct deposited ( I found out during a call center conversation, I was correct ). This is a UDAAP and Sales Practice issue, your bankers are providing incorrect information just to open an account and receive incentive. Very misleading. I would like the {$100.00} promo that was promised to me.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

This AMEX giftcard has been very frustrating. While it claims to be able to be used wherever amex credit cards are accepted, this card has not been accepted anywhere. 

So, now, the person who purchased this for me thinks they gave me a nice {$500.00} gift, when in fact, AMEX took their money and has effectively kept it all. 

Support regarding this card has been nearly impossible. I tried calling their suggested number, and it does not allow you to speak to a representative. I called another AMEX number in hopes to get support that way, but the person who I spoke with could not help. 

This is simply not right. I have also seen several other complaints like this on XXXX, so this is clearly a known issue impacting several customers that AMEX has still not addressed.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-11-16
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. (NY)

To whom it may concern, back in XXXX there was identity theft on my account. I spoke to XXXX XXXX  about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not equifax. I will show u that that they are not on XXXX. thank you
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian needs to remove the false name " XXXX XXXX XXXX '' The only name listed should be my actual LEGAL birth name, which is correctly spelled : XXXX XXXX XXXX. Thank you. 

I tried contacting them via certified mail. They responded to me sayin this had already been corrected. Months later, it still has not. I pulled my report today XX/XX/2022 and they still have incorrect spellings of my name. For my safety and protection against further identity theft, they need to correct this. 

Again, remove the incorrect " XXXX XXXX XXXX '' and please spell my legal birthname correctly. XXXX XXXX XXXX is my only name. Thank you.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Credence Resource Management XXXX XXXX XXXX XXXX XXXX account fraudelent opend in my name ). 

Never had XXXX XXXX XXXX XXXX, I found out about it as I attempted to open another phone line & they refused due to the amount owed of {$410.00}. It also a collection bill on my credit that I asked to be removed due to identity theft. I have filed police reports, etc, about this & other issues that have arised over the years. 

It says it was opend 4 months ago ( I also asked for it to be closed they said they couldn't close it due to balance owed ). I also reported & spoke with XXXX XXXX XXXX as well as XXXX XXXX, & Credence.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX - 2020 Capital, one auto authorizes a loan for XXXX dollars to a person using my social security number. I call the company and they hang on to me after wait 2 hours at the line, nobody has an answer to what happened and they give a new car to a person whit out check the information. 
The car is a new XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have been unable to contact an AmeriHome Mortgage representative on the phone regarding their inability to pay either my homeowner 's insurance or the property taxes for our home out of my escrow account. I submitted an online inquiry buy have not yet received a response from them. I paid my homeowner 's insurance out of pocket in the amount of {$990.00}, since it was already past due on XX/XX/2020. I also submitted with my inquiry to the company the only property tax information on our home that I could reasonably obtain online on the weekend. 
I requested to be reimbursed for the homeowner 's insurance from my escrow account, and that they also promptly pay the outstanding property taxes out of the escrow account before any late fees are assessed.
Consumer complaint received 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (AZ)

XXXX! Over 30 days ago I sent a letter certified mail to this company requesting them to validate the debt on an account reflecting on my credit. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.