davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX / XXXX Amount : {$530.00} Account number : XXXX Account Opened : XX/XX/year> 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. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2023-03-01
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: General Motors Financial Company, Inc. (OH)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 section 602 states i have the right to privacy.

15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-01
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: CREDIT ACCEPTANCE CORPORATION (OH)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 section 602 states i have the right to privacy.

15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-28
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: National Credit Systems,Inc. (TX)

National Credit Systems is reporting into XXXX XXXX and XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted National CreditSystems. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

Concora processed a payment of {$600.00} without my authorization, I called to find out why they processed the payment they told me that I called them to make a payment which not true. I spoke with a supervisor I explained the issue she told that she was going to check the call details to check from what number the call came from she told me she would call me today XX/XX/year> at XXXX I never received a call back today. I logged into my account and it says that I don't have access to the information. I consider this fraud.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Rocket mortgage promised me a rate lock of XXXX with XXXX points paid on a refinance for an investment property. 

The banker I was dealing with put this in writing to me; and made several mistakes in the process ( apparently ). 

First he misunderstood the cash out allowable percentage ( thought it was XXXX vs XXXX ), had asked for documentation multiple times that was already provided and he missed, said he sent me emails/loan estimate that never actually came through, and at the end another broker had to call me and clarify his mistake since he was applying this under an FHA loan for some reason.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

My previous complaint that I sent was there was additional charges on my account and they just disregard. They said the transactions were all authorized and made by me which wasnt. Attachment below is their response to my email. I have never once used XXXX XXXX because its too risky for my just having my card just added to sone mobile phone. I do not know who had access nor had my card at the time and they were able to access it. Now Im being blamed for my card being sent to the wrong address. I couldnt even lock my card from the app until its been activated and still now I still dont have the card that they were supposed to send. When I talked to one of the customer service about the fraud they had me update my billing address so its not my fault to have my card sent to the wrong address. They also had my account closed for no reason. I want my money back.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (DE)

I recently seen the wells fargo loans in fraudulent programs. I currently have a car loan with Wells Fargo. I enter the loan reduction due to covid, they lower my payments but when I file my taxes for XXXX it cause me to pay taxes. Can you check to see was there negative results cause me to owe more or less due to covid my Wells Fargo account XXXX, XXXX XXXX XXXX my maturity date now is XX/XX/XXXX. Can you see if my loan is apart of this lawsuit I checked with Wells Fargo they said if I get a letter FROM THEM?
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KY)

Convergent outsourcing llc XXXX cell phone company owned by the mobile now I'm hoping that I have put the right stuff so this is take to the right people I had no knowledge of it I had this removed from my credit a while back then they changed the amount put it back on there I called the convergent explained it to them then was talked Into paying a lowered amount with them saying it would be removed and I wouldn't have to deal with it again. Like i had in the past I payed them and have proof then they turned around and told me after I payed they would not give me a delteion letter that it would get reported I o XXXX on it I was like I was told this would be removed they said they do not own it XXXX does i asked for proof they refused a letter stating such I contacted XXXX they refused to take it off and told me I have to pay them XXXX and some dollars more Account XXXX XXXX  Does have no opens to see what's ever owed they know I turned in and cut off services 3 days after getting it XXXX System states money owed for services 1 month started service XX/XX/2019 called canceled XX/XX/XXXX they said canceled on XX/XX/2019 when they got phones in mail after stating they didn't get them I have tracking number still if needed # XXXX There Account. XXXX convergentusa.com XXXX XXXX XXXX XXXX original talked to Called back in Payed XXXX XXXX XXXX XXXX to XXXX XXXX being transfered to XXXX XXXX to close out Account from XXXX Confirm XXXX payed in full XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first six months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a half dozen times. Each time they say they're investigating, and tell me the investigation will take another two weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost three months. They have confirmed I should have received the points, but each time they tell me I will get them in two weeks. I check back after two weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another two weeks ''. This has occurred XXXX separate times now. 

I recently filed a CFPB complaint, and they said they'd get back to me. It has now been a month since the investigation from the CFPB complaint was opened and its still hasn't been resolved. It is clear AMEX is giving me the run around hoping I'll forget.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Unable to request security freeze through phone, mail, or online from this data furnishing company. 

XXXX, and Equifax Company Consumer Reporting Division XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This complaint is directly related to a previous CFPB submission " complaint ID XXXX '' On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase Zelle transaction , to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the XXXX Bank customer service support line at XXXX XXXX XXXX. The caller indicated my Zelle account linked to my XXXX account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a Zelle " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as XXXX XXXX who completed the Zelle halt payment transaction. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the Zelle payment of unknown individuals for an account whom I do not, nor does XXXX Bank have any connection to. 
At XXXX XXXX I called the number back which was the XXXX Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's Zelle account. 
I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the Zelle app. The Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (VA)

I refinanced my mortgage on my condo a couple of years ago and my loan was sold to Village Capital & Investments. Up until this point, I have had no issues with payment and have never needed to call customer support until recently. 

I am currently still waiting on my XXXX Form-1098 to file my taxes. My XXXX tax document was received on XX/XX/XXXX last year, but as of XX/XX/XXXX, I have yet to receive my XXXX document. 

I am opted for the paperless delivery system, and my online profile only shows my previous year tax document. 

I have tried to contact the customer service number ( XXXX ) over the last couple days and have been waiting on hold for long periods of time, even waiting 50+ minutes before I gave up. I also tried the call back option and have yet to receive any correspondence. I also emailed twice with no response. 

When I called the customer service number and tried the refinance option, I was conveniently able to speak to a live person right away, but was sent to the tax department and put on hold again. 

I'd like to think this is a one off occurrence, but other comments on XXXX show similar results with customer support. I just want to be able to pay my taxes and not get in trouble with the IRS.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On Friday I deposited a legitimate check from XXXX XXXX. This was a Chase business check into my Chase business account. The checks XXXX use have 2 signatures which should be sufficient to guarantee authenticity. Although I found it odd that a check from a Chase account deposited into a Chase account did not have any funds immediately available, there was no concern. A Chase representative on the phone Friday said there was no hold and funds would be available around midnight. Although that was a lie, no worries because after viewing my receipt I saw Tuesday the XXXX is when the funds would be released. 

Today, Tuesday the XXXX funds were released. It shows as available funds. I can access my account and received ZERO communication from Chase. However, if I try to make a payment to my Chase credit card or transfer any amount to another Chase account I receive an error. Thats when I found out today Chase decided to freeze my account!!! Again, okay no worries its a legit check and should be as simple as them calling XXXX XXXX. Easy 5 minute call. Nope. That was a mess even though XXXX XXXX is 100 % willing to do whatever it takes to confirm the check to Chase. Through persistence XXXX and I were able to finally get Chase to confirm they have all they need, but Chase then said now its up to the back office when we unlock your account t and we have until ( he counts days probably from Friday ) and says the XXXX!!! 

I fully understand holding a {$55000.00} check for a period of days. Its during that time Chase should be responsible for calling XXXX if they wanted and viola theyd hear its a legit check and no problem for anyone.. but literally the situation is my checking account is 100 % not usable and theyre saying they can keep it locked over a legitimate check until the XXXX. Is that legal? Seriously every time I have a check deposited I risk my business checking account being locked for up to 2 weeks!? Couldnt my employees sue me for not being able to process payroll. This doesnt seem right that even my funds that are not from the check are locked and they said if I deposit more such as transferring from my personal Chase those would be frozen. Funny thing is my Chase business credit card payment is due today so it even seems like a scam where theyre trying to get a late fee or something shady.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-25
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. (CA)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my knowledge or authorization.

Accounts to Be Blocked and Deleted : XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$8.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$87.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX, i mailed a cease and desist notice to Portfolio recovery associates LLC. via priority mail. They kept calling me stating i owe them for 2 accounts. I have not done any business with them. I have requested for them to send me the original contract with my signature. The first amount they are stating i owe is XXXX and 2nd amount they are stating i owe is XXXX. I have contacted repeatedly to remove it from my credit report as i do not owe them any money. I tried disputing it with all 3 credit bureaus and no luck. On XX/XX/XXXX i requested to start a dispute with portfolio recovery associates. I have not received any updates.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NJ)

2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, WELLSFARGO RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY WELLSFARGO.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (AL)

This account is in violation of FCRA. This account is CLOSED but still reporting a monthly payment of {$47.00} with a past due balance of {$64.00} and an overall balance of {$220.00}.
Consumer complaint received 2023-02-28
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: CL Holdings LLC (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.