davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX : XXXX Dear CFPB officials, I appreciate this opportunity to file a complaint or report. First, I want to congratulate the XXXX XXXX savings account section ; they are very professional and humane individuals. Unfortunately, I can not say the same for the credit card section. A few days ago, I submitted some complaints to XXXX XXXX because I have felt discriminated against in the sense that XXXX XXXX knows that I, XXXX XXXX, have an ITIN number, not a Social Security number. I find that their policies are somewhat discriminatory and only favor wealthy individuals who have Social Security numbers to " purchase '' authorized users, thus using this system to their advantage. Without much credit history, they can immediately boost their scores, allowing them to obtain good limits on personal cards and then very high limits on business cards without even having a business. Many people on social media boast about obtaining phantom credits without having businesses, securing large limits, while those of us who actually have businesses can not access any financing. Tell me, sir from CFPB, if this is not discrimination, what is? This was precisely my complaint : unfair competition. Although I am a person with an ITIN number, I have my business well-structured with an office in Florida and everything in order, yet I am not even considered for my first personal account due to having an ITIN number. Even more concerning, in the letter I will attach, it states that my first card application was rejected because XXXX does not provide or have information about me. This is obvious ; I can not even access my credit score because I have an ITIN number. Furthermore, they claim that my amounts are too low to make a decision, but they do not consider that we have had a relationship through a savings account for XXXX months. I am also just starting in the commercial ecosystem here in the United States, but I am very disappointed with the system and how people are treated, especially those of us who unfortunately have an ITIN.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XX/XX/year> {$2.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX {$75.00} Personal Info : Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage One Funding LLC (KS)

I am on the National Do Not Class List and I have completed the Opt Out PreScreen so I do not receive unsolicited offers of credit. I applied for a refinance at my own company where I WORK AS A LOAN OFFICER and received a text from " XXXX '' at Mortgage One Funding thanking me for submitting my mortgage inquiry and that they were looking at my file. I responded that I did not submit an inquiry with Mortgage One to which they responded " Sorry about that! Have a good day ''. Upon looking up Mortgage One on XXXX XXXX XXXX, the only XXXX listed is XXXX XXXX XXXX XXXX # XXXX who is licensed to do business in XXXX states, not including the state of Kansas where I reside and the property in reference is located. I responded acknowledging this fact and questioned whether it was indeed XXXX and if not, that was extremely deceptive. I did not receive a response via text but XXXX minutes later I received a call from a nearby area code ( XXXX ) and when I picked up, I was told it was XXXX with once again Mortgage One. She asked questions and I decided to answer them honestly until she asked what I did for work and I stated I was a loan officer. She continued the 1003 asking my income until I said I'm not interested. I'm a Loan Officer myself and this is a trigger lead and deceptive. She immediately hung up on me. Once again, I decided to look at Mortgage One and on their website, there is no list of available Loan Officers. I could not find a " XXXX '' anywhere associated with their business and in XXXX XXXX, there isn't XXXX of the XXXX employees they have. I do NOT wish to be contacted from the Credit Bureaus selling my information against my wishes and I certainly do not appreciate it coming from an unscrupulous company that is causing damage to the very industry I work extremely hard to be in.
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (TX)

Collection Agency Name National Recovery Agn Last 4 of SSN : XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Name Of Provider ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 


Best Regards,
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

We applied for a mortgage loan with Wells Fargo Home Mortgage through XXXX XXXX ( XXXX ID # XXXX to purchase a condominium at XXXX XXXX XXXX XXXX. Wells Fargo issued a mortgage commitment letter during the preconstruction phase of the building, which was required to be reissued after a period of time. As a result of the commitment letter issued by Wells Fargo we made a substantial deposit to purchase a condominium unit at XXXX XXXX XXXX XXXX. We made many attempts to contact XXXX XXXX to reissue the commitment letter but she did not return calls or email. Wells Fargo through its agent XXXX XXXX was the preferred lender for the building and we were required to seek the initial mortgage commitment through Wells Fargo. When XXXX XXXX finally responded to our many requests, she advised us that Wells Fargo would not issue a mortgage loan. However, XXXX XXXX and Wells Fargo have refused to issue a denial letter for the mortgage application with specific reasons, which is required by law, as to why Wells Fargo would not issue a mortgage loan. 
Wells Fargo and XXXX XXXX intentionally deceived and misled us by issuing a commitment letter which we relied on to submit a very substantial deposit to the builder to purchase a unit at XXXX XXXX XXXX XXXX and then refused to issue a mortgage loan. We believe that Wells Fargo, XXXX XXXX and the builder of XXXX XXXX XXXX XXXX have engaged in a conspiracy to write commitment letters to prospective buyers to then revoke the commitment, so that the builder/seller can retain the deposit money ( which should still be in escrow ) even when the unit is sold at the same or higher price. 
According to the XXXX Consumer Access Site, XXXX XXXX goes under XXXX names : XXXX XXXX XXXX and XXXX XXXX XXXX. Her address and phone number at work is : Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX - XXXX XXXX, New York XXXX XXXX Given the foregoing, we have requested that the builder return our deposit since they have placed the apartment up for sale and we believe is currently in contract.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NV)

I received an consumer inquiry on my credit file from XXXX on XXXX XXXX, 2016 and have been given the run around by Equifax and XXXX since XXXX. I have received a letter from XXXX stating they will notify Equifax and have Equifax remove the inquiry. Well, Equifax is stating XXXX XXXX has n't sent them an electronic file to remove this inquiry. I again contact XXXX XXXX and they state they have contacted Equifax electronically and requested this inquiry to be removed. 

On XXXX XXXX, 2016 I contact Equifax again and fax them a copy of the letter from XXXX stating they will notify Equifax to remove this inquiry. Equifax inform me to call back within 48 hours and this should be taken care of and removed from my credit file. I made a follow up call today XXXX Thursday, XXXX XXXX, 2016 ) to verify the inquiry has been removed. I am then told that Equifax still has n't heard from XXXX AND refuse TO ACKNOWLEDGE the letter from XXXX to remove this inquiry. Equifax then informs me that they will not remove the inquiry unless they here from XXXX XXXX electronically. 
Equifax has eluded to stating the consumer could have made up this letter ( which is attached ) and refused to even acknowledge I received it from XXXX XXXX. I 'm at my wits end, very frustrated and annoyed with the disrespect shown to the consumer from XXXX XXXX and Equifax. What are consumers to do when we are caught in the middle of a mess. This inquiry system needs to have a better dispute process, it is impossible to challenge and resolve inquiry disputes on the part of the consumer. Our hands are tied and were caught in the middle of mindless idiots when they make errors.
Consumer complaint received 2024-09-27
Product: Credit 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: JPMORGAN CHASE & CO. (IL)

I have a XXXX XXXX account. My address and credit card is stored within this account. When I'm logged into the account, all of my purchases are able to be seen and tracked. On XX/XX/year> I had 3 attempted purchases and 1 actual purchase that were not initiated by me. 3 of the purchases appear to have been cancelled. I can not tell if my Chase Visa flagged them or if XXXX intervened. One of the purchases was completed and actually delivered to me. I have returned the items to XXXX. But I have had to cancel my credit card and when I attempted to contact XXXX for answers, I received no answers. Sat on hold for XXXX minutes to be told " my department does not handle this ''. I wrote an email and the response gave me instructions to change my password on my XXXX XXXX account ( that did not work by the way ). I can not have my XXXX account hacked without being informed and I certainly can not be charged for items I did not purchase.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: GFS II, LLC (MI)

I had an account with Gateway Financial Solutions XXXX that was opened on XX/XX/2018. I had multiple mechanical issues with the vehicle but the dealer refused to take the car back. I was unable to keep up with the repairs and the payments and eventually defaulted on the loan. My taxes have been garnished twice and I have no idea what the actual amount that is still owed. When the vehicle was repossessed I didn't even receive a deficiency and surplus notice to tell me how much the vehicle sold for. I don't believe that I owe a balance of {$7600.00} for this account. I didn't receive any legal notices until I found out I was being garnished which leads me to believe that I wasn't properly served when Gateway Financial Solutions first initiated this action against me.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

XX/XX/XXXX my wife tried to purchase an item from a fraudulent seller. Purchase was made using Paypal friends and family. The fraud was detected and Paypal contacted. They instructed us to close the checking account at the bank, which we did. Then Paypal opened a dispute and requested we file a FBI report, we did and sent them a copy of the report. Then Paypal kept contacting us about the {$100.00} debt in our account. Each time we were able to contact a Customer Service representative we explained the situation and they submitted it to the dispute. Several Customer Service managers responded that we should not worry about this situation and it would be resolved. Paypal representative indicated they we were working with the FBI on our case. Then we would get another e-mail from Paypal telling us that we were in arrears. 

Finally we got an e-mail telling us Paypal had submitted us to XXXX, apparently their collections department. We tried contacting Paypal Customer Service again and their system kept sending us to XXXX. 

I finally paid off the balance through Paypal and tried to close my Paypal account and they seemingly won't let me. That is the final result of this issue. The balance has been paid and they will not let me close my account. Paypal although saying they would work with us, did not, and kept hounding us relative to the debt that was in dispute until they decided to turn it over to collections without informing us that was what was going to happen. I balanced the account, now they won't let me close the account.
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GOLD KEY CREDIT, INC. (FL)

GOLD KEY CREDIT INCXXXX XXXX XXXX, FL XXXXToll-Free XXXXLocal XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GOLD KEY CREDIT INC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (MS)

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 

According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. XXXX is not included in the consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I have called Wells Fargo 3 times about closing a secured Visa card that I had with them for {$500.00} for about 2 years. 
I called in XXXX, XXXX, and XXXX. 
They refused to close this account, by their actions the account remained opened until I called in XXXX XXXX, 2016 and spoke with a Supervisor, XXXX XXXX. 
He told me that He would close the account but I needed to pay {$39.00} to balance the collateral amount to {$500.00} and that that I owed XXXX, which he took over the phone and he said your money will be back in your account immediately. 
XXXX XXXX, my checking account was debited for {$450.00}. 
Today XXXX XXXX, 2016, I called again concerning the amount that was suppoe to be credited to my checking account. I spoke with XXXX, supposing to be a Supervisor, and asked him when will my money arrive in my account. He told me another XXXX to XXXX Well, it should have been in my account by now, but Wells Fargo, refuse to close my secured card and now I have to wait another 45-60 days. This is not right. And I will be moving my accounts as soon as I can.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank XX/XX/year> - XXXX unauthorised transaction on my chase debit card account of XXXX ) {$190.00} XXXX ) {$190.00} XX/XX/year> - Called chase bank, filed a claim XX/XX/year> - Denied the claim without giving any evidence. Called customer support and they failed to provide any assistance. Were absolutely clueless. 

Current status- claim denied XXXX XXXX XXXX XX/XX/year> - XXXX unauthorised transaction on my XXXX XXXX XXXXXXXX XXXX XXXX account of XXXX ) {$190.00} XXXX ) {$72.00} XXXX ) {$140.00} XX/XX/year> - transaction involving {$140.00} was cancelled Current status - investigating claim
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX has failed to provide me validation of the debt they are falsely reporting on my credit report I sent a certified letter XX/XX/year> never heard any thing back I contacted them directly they were so disrespectful rude verbally abusive and dismissive they didn't allow me to discuss the debt and told me it was being transferred to law firm
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WV)

My identity has been stolen. There is a man renting apartments and other rental places all over XXXX Virginia. Sometimes multiple apartments at the same place. I have received and disputed several of these collections that were reversed in my favor due to the WV state police report. They have a copy of the fake id being used that has my first and last name on it, but not my other names or suffix. It has very old addresses of mine to which I havent lived at in years. This has been going on for close to two years. The suspects name is XXXX XXXX XXXX. I have uploaded an old mug shot, the FAKE ID and the police report.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I had my auto loan set up on auto draft since the time I opened my account. Apparently in XXXX of 2016, Credit Acceptance started having a problem with my auto draft. They did not notify me of the problem until XXXX of 2016. By that time, my auto loan had reported 4 straight months of delinquency. I immediately paid them all of the payments, and we corrected the auto draft problem together. Now, Credit Acceptance will not correct my reported pay history, even though they did not even notify me of a problem with my payments being processed.