davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

On XXXX XXXX, 2023 i applied for an American Express Business Gold Card, throughout this process my social security number and business EIN was requested. The reference number for the application is XXXX I was subsequently denied an extension of credit due to certain factors outside of me having a 705 credit score. This is in violation of consumer law 15 US code 1602, within this code it essentially states that i am the original creditor, and any loan or credit card product that i apply for with any financial institution is an extension of my own credit from my social security account. I Spoke with a representative at American Express and stated this consumer law 15 U.S code 1602 as well.

15 U.S code 1602 : ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
- my social security card was used in this application
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY FILE.THE ITEMS I WANT DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE.I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES TO THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THESE ITEMS AS AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (MD)

This matter has been addressed via administrative process with this corporation.No proper response from these criminals has been made and I demand to have this removed from my consumer report to avoid causing further injury. The proper procedure has been followed on my part however, the law has been broken and my consumer rights have been violated. As stated in the United States Code, a consumer must give permissible purpose for information to be shared and that has not happened. This is a blatant violation of law along with a violation of my consumer rights.
Consumer complaint received 2023-02-19
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: Rent Recovery Solutions (TX)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2024-09-03
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. (TN)

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (MS)

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
Consumer complaint received 2018-06-21
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (VI)

In XX/XX/2018 I receive a notification of a Pentagon Federal credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called Pentagon Federal Credit Union to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking Pentagon to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what Pentagon Federal Credit Union is doing to me.. Please help me.. 

XXXX XXXX XXXX 1. Disputed Conf # XXXX 2. Disputed Conf # XXXX 3. Disputed Conf # XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit Union (WA)

On XX/XX/2023, I sent a notarized Billing Error Notice to AlaskaUSA FCU 'S registered agent via USPS certified mail with a Domestic Return Receipt. AlaskaUSA FCU 'S registered agent received the Billing Error Notice on XX/XX/2023. 

I also sent a copy of the Billing Error Notice to AlaskaUSA FCU 'S XXXX XXXX XXXX and AlaskaUSA FCU Payment Processing via XXXX XXXX mail on XX/XX/2023, and XX/XX/2023. Those Notices were delivered to and received on XX/XX/2023, and XX/XX/2023. 

I am aware that AlaskaUSA FCU shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' Lastly, AlaskaUSA FCU has not responded with a rebuttal, point for point, which forfeits AlaskaUSA FCU 'S right to collect the disputed amount as described in 15 USC 1666 ( e ).
Consumer complaint received 2023-02-20
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. (OH)

In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Please update all of my personal information on my credit report for each bureau : Equifax, XXXX, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX  There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan company is Mr. Cooper. 

Since last XXXX ( XX/XX/22 ), I've had nonstop mortgage payment reversals despite having a properly connected bank account with more than enough funds to cover my monthly mortgage. My monthly payment is {$2600.00}, plus {$500.00} applied towards my principle. 

Oftentimes, I'm not notified about these reversals until past my mortgage payment deadline. This has resulted in late fees ( {$93.00} ), as well as a lowered credit score. My credit score was close to 800, now it's at XXXX. With no solution on the horizon, I fear that my credit score will continue to drop and begin affecting my financial future. 

I've called a Mr. Cooper representative every single time a reversal has happened ( sometimes multiple times in a single month ), and they've all assured me that it's simply an internal, company-wide error that would be sorted out as soon as possible. I've also been assured that Mr. Cooper would open a case with all the major credit bureaus to erase the credit penalties I've incurred because of this issue. I've received no followup about this. 

As a result, my credit score has dropped dozens of points since XXXX and the only loan I have is with Mr. Cooper. 

It's unacceptable that I'm making my payments in full and on time, yet still getting penalized by Mr. Cooper. 

This is, by far, the worst experience I've ever had with a mortgage company.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: O&L LAW GROUP, P.L. (FL)

I am a XXXX XXXX total and permanently XXXX American Veteran. My only source of income is through Veterans'Administration XXXX. 
O & L Law Group at XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # ( XXXX ) XXXX received a writ of garnishment from the XXXX XXXX Florida Courts to garnish my funds from my accounts with XXXX XXXX XXXX. 
All the funds from my XXXX  XXXX XXXX bank accounts are from my XXXX income with the exception of an insurance check to repair my house that I recently deposited. 
O & L Law Group garnished all of my funds from my bank accounts that they are not entitled to.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (FL)

n accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

This call was regarding the issue back in XXXX when I found out that Transunion had a glitch in there system that deleted all inquiries. By law they are suppose to notify customers about reinserting information on there reports and to date I have not received any notification. I call to ask to have my inquiries removed and they were giving me the XXXX degree and I still was n't successful.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CO)

My indentification is being stolen. I received a letter on the mail from a collection agency saying I owe XXXX XXXX XXXX when I dont have any access to that company in any way. I called and the representitive mentioned the account has been open since 2020 in the state of XXXX. It is not me, I live in XXXX. Please help me.
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

In XXXX I filed bankruptcy up until that time. The payments were taken out automatically {$610.00} and XXXX the Harris Bank found out about the bankruptcy, and They stopped taking the payments out automatically, and said we have to start making the payments, but they never told me that XXXX of the payments had not been taken out of our account. in XXXX they went to a new account firm XXXX still under Harris Bank, I made every payment never late but not knowing these two payments were missing until they sent me a letter saying I owed {$15000.00}, I said No I don't, it was Covid, so I couldn't go into the bank, but I was on the phone with them telling them I didn't owe anything because I did not know of the two missing payment at that time. Once I did I asked them to correct the amount owed and I would paid them, because At that particular time to my knowledge I have paid every payment and never been late and even now I have the papers & proof from their bank that says the very same thing other than those two payments that were missing in XXXX. My attorney said the judge was going to rule in our favor but judge ruled against us with all the proof that we had. She said that because we were behind even one payment, the bank, could call in the loan, before hiring attorney, I was in the bank more than 14 times even the bank XXXX understood the problem, but could not get it fixed. Even people in customer service understood the problem, but could not get it fixed. They said it was not in their department.
Consumer complaint received 2015-11-30
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company (GA)

Approximately a year ago I applied for a VA mortgage loan through DHI Mortgage in XXXX XXXX, FL. after submitting {$5000.00} deposit on the house. For several weeks two or more individuals withing this organization requested financial information which was provided as many as XXXX times either by email and/or fax. During this ordeal I was assured numerous times that any of the items provided was the absolute final item needed ... only to followed by yet numerous additional items ad nauseam. The process became so overwhelmingly redundant with unprofessionally absurd with duplicative requests. When it was an obvious given that DHI had no intention of approving the loan, I requested my down payment returned which they denied under the blatantly false pretense that I refused to provide them with information. A stalemate was established in that DHI vehemently refused to approve or deny the loan so that the {$5000.00} did not have to be returned. Under advice from my realtor, I sought another home through another builder which happened to be of greater value with another lending institution. Providing the very same financial information provided DHI days/weeks prior, my loan was approved smoothly for the new home purchase. During this more professional association, we were complimented on how pleasant it was to have effected the loan in an expeditious manner including the submissions of financial information in a concise and accurate, timely manner. Additionally during the time frame just prior to the DHI ordeal, my primary residence was refinanced which was a second mortgage loan approved by yet another lender ... again with the same financial information provided. Bottom line ... DHI refused to approve the VA mortgage loan purposely to prevent refund of down payment!
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME ; XXXX XXXX  ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC1681 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 USC 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.

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I was a Wells Fargo mortgage customer back in XXXX when I applied for modification. After countless months of sending in documents and increase in fees, I was denied the modification. The bank tried to foreclose on the house twice and the State of NY put a stop to it. So, they turned around and sold the loan without telling me. By that time, the loan had increased to much more than I paid. 

This complaint is about the 3.7B Wells Fargo settlement that just happened in XXXX XXXX.The article online said if you believe you are eligible for a payment and haven't been contacted by Wells Fargo, to call them and so I did. They wouldn't even take my old account number to check me in the system. They just said that they didn't have anything on me. This led me to believe that they are not going to contact me about the settlement. 

I am just looking for them to make it right if I am eligible for payment from the settlement. 

Thank you for your help in this matter!
Consumer complaint received 2023-02-18
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  ; XXXX  XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.