davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XXXX  I attempted to add my wife, son and daughter as additional card members to my American Express Gold Card. In my 27-year experience with American Express , additional card members are added immediately. In this case, however, they were not. 

I called AmEx to inquire and was told it may take a few days, but never given a reason why. 

Even two weeks later, American Express refused to add the additional card members and has refused to state why. These same individuals were additional card members previously, but I removed all additional card members when I was subject to identity theft issues. Now that I have those issues under control, I wanted to re-add them.
Consumer complaint received 2023-04-16
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: Navient Solutions, LLC. (CA)

In accordance with fair Credit Reporting act Navient accounts has violated my rights. 

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

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (NY)

XX/XX/ i have noticed fraud accounts and inquiries these fraud accounts must be removed from credit profile now! 

account name : DP OF EDUC ACCOUNT # : XXXX BALANCE : XXXX $ PAYMENT STATUS : CURRENT LAST PAYMENT DATE : XXXX LAST DATE ACTIVE : XXXX MONTHLY PAYMENT : XXXX $ THE ACCOUNT # IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL " FAIR CARES ACT ''
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : 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 I have never received or requested any services from these companies
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (SC)

GM FINANCIAL HAS COMMITTED FRAUD. GM FINANCIAL HAS VIOLATED PLENT OF LAWS, CAR CONTRACT IS FRAUD AND NEEDS TO BE REMOVED BECAUSE OF FRAUD, HARASSMENT, PAIN AND SUFFERING, ILLEGAL CREDIT REPORTING, ILLEGAL REPOSSESSIONS.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> Chase Southwest report my credit card account late In accordance with the fair credit report act this creditor has violated my rights under 15 U.S. code 1681 section 602 states i have the right to privacy. 15 U.S. code 1681 section 604A section 2 it also stated that a consumer reporting agency can not furnish an account without my written instructions. I also understand that according to federal law 15 U.S. code 1666b ( a ) 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 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencies 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 7 years.

15 U.S.C 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.
Consumer complaint received 2023-04-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I have waiting to see if Wells Fargo has included me as part of the CFPB as I definitely should be included. I called Wells Fargo on XX/XX/XXXX when I hadn't received anything from them. No one would even attempt to look at my records. I was only given a genetic answer that they are still working on cases and they will be in contact with me. 

In XXXX Wells Fargo refused to consider any type of modification of my loan because they provided me a 3 month modification in XXXX. All payment requirements were met in XXXX and I was making regular monthly mortgage payments until XX/XX/XXXX. 
In XX/XX/XXXX my husband was injured and unable to continue working. He applied for XXXX payments. He finally began receiving monthly payments in XXXX. 
I requested XXXX consideration in XX/XX/XXXX which was denied in XX/XX/XXXX because Wells Fargo decided the 31 % income requirements were met. A second HAMP filed in XX/XX/XXXX was denied in XX/XX/XXXX. 
During this time I worked diligently with a mortgage workout counselor through a local agency and was reassured there would be no problem in qualifying for assistance through Wells Fargo because I met all the requirements. 
I worked closely with Wells Fargo and provided them any and all documents needed and attended and completed credit counseling. Every time I contacted them I was assured they were processing my case. It took nearly 2 YEARS for them to turn around and tell me I didn't meet the requirements because of the 3 month trial modification I completed 5 years previously. I will never understand why they gave me false hope and led my credit counselor and I on for 2 years thinking all was good and my request would be honored. 
I would appreciate a good long look at my case. There is no doubt Wells Fargo mistreated me and I should be included in the CFPB suit if I'm not already.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I pulled my XXXX Credit Report from all three Bureaus ( XXXX, Equifax, and XXXX ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent XXXX, Equifax, and XXXX a Personal Information Update Letter on XX/XX/year>. 
I received responses from Two of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) on XX/XX/year>, verifying their information XXXX replied via their website, Equifax via Mail, and XXXX XXXX No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent XXXX, Equifax, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/year>, I have not received any response from all three Bureaus ( XXXX, Equifax, and XXXX ). So, I sent XXXX, Equifax, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/year>, I logged into my XXXX XXXX account to monitor my XXXX XXXX and Equifax profiles, and XXXX XXXX has started reporting a debt owed to XXXX XXXX XXXX XXXX in the amount of {$630.00} on the XXXX XXXX XXXX without any validation of this debt.
Consumer complaint received 2023-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with JPMCB CARD and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a JPMCB CARD account on my credit report because it is not mine and I did not open it. JPMCB has responded by sending me and the 3 credit bureaus credit card statements and my identifying information on the account in order to prove that it's mine and try and validate the debt. JPMCB sent a letter on XX/XX/. I have since started a second investigation with JPMCB and the 3 credit bureaus. I advised JPMCB that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which JPMCB does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed JPMCB and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the wrong credit limit is listed, wrong balance, wrong date opened, wrong high credit limit, and the wrong date last active are inconsistent across the three credit bureaus. I advised JPMCB and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in JPMCB 's favor, even though they have not validated the debt with documentation bearing my signature.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: E Mortgage (FL)

I embarked on procuring a loan brokered by E-Mortgage Funding. Early in the process, ( XX/XX/year> and XX/XX/year> ) an appraisal was paid for ( {$610.00} ) and After a marathon ( and a series of jockying forms, documents and other material back and forth ) and told they ( E-Mortgage Funding ) had secured said loan, I was eventually told they could not complete the loan. The reason given was that the home was not in the condition that would be approved by FHA. During the appraisal process, the individual performing the appraisal was asked what could possibly prevent a securing of this loan. He replied ( I just need to do some comps to determine value ). No picture was taken of the roof, never asked to turn on the XXXX system, and many other things the broker ( E-Mortgage ) claimed was the issue ). I have asked on several occasions for a copy of the appraisal or a refund for the cost of the appraisal. As of this submission, Neither has been done ( even after E-Mortgage has promised a refund of the appraisal ). I received an email stating that some repairs may rectify the situation but was never given that opportunity.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (AR)

Recently, my credit card company, Aspire, reached out to inform me about a new monthly fee that was to be added to my account. In order to make an educated, responsible decision regarding whether or not it made sense to keep my account open in light of the new fees, I requested a copy of my current cardholder agreement to compare to the new agreement that was proposed. 

When I requested a copy of the current agreement on XXXX, I was told the following by Aspire on XXXX : " Our records indicate that your account maintenance fee was recently updated and as per the new credit card terms and conditions and your monthly maintenance fee will be increased from {$0.00} to {$5.00} effective from XX/XX/2023. Hence, we are unable to provide your previous card holder agreement. '' I asked the following on XXXX : " Why am I unable to receive documentation regarding my original card agreement, especially considering that the change in maintenance fee is not yet effective? '' To which Aspire simply said ( XXXX ) : " Unfortunately, we are unable to send your Cardholder Agreement. You can find the information on Generic Cardholder Agreement. Please be advised that, Generic Cardholder agreement will be available by clicking on the support tab from Aspire Account Center. '' I then sent the following to Aspire on XXXX : " Can you please explain to me why you can't send me a copy of my current, active cardholder agreement? From ConsumerFinance.gov : 'Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. ' It succinctly states that the requirement is that a copy of my cardholder agreement is to be provided, not a generic overview. '' After I sent this response, Aspire, despite previously replying in 1-2 business days throughout our earlier correspondence, ceased all communications. I believe that they are purposefully ignoring my updated request in order to stall out until the new cardholder agreement takes effect. I believe they are doing this as to skate around fulfilling their requirements as described by federal law. 

Through these actions, Aspire has shown a lack of willingness to provide consumers with the information needed to make responsible financial decisions regarding the use of the credit options offered by this company.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Data-Central, LLC (UT)

Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

payPal is continuously putting a debt of {$220.00} on my credit report which makes my credit score decrease. They have done is at a minimum of 3 times. The first time was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. I am sick and tired of them. I have submitted all 3 times the same bank statement showing that I paid this. I want them banned from having any future reporting with this amount or any amount associated with these transactions made during XX/XX/XXXX XXXX. They are damaging my credit score repeatedly and I want it fixed immediately, whoever is going back and attempting to collect more monies is committing fraud and should be FIRED!!.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Back in XXXX of 2022, I joined the XXXX in when I did I closed all my credit cards when I closed my capital one card they told me that I would not have to pay off a balance so I was good but when I was done with all my training I came home to a XXXX XXXX dollar payment I have called them but they just keep telling me they are sorry one of their workers told me that but I still have to make the payment I have been paying it but think it is unfair that I have to pay it when one of the workers gave me the wrong information.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I was affected by overdraft fees that weren't legitimate causing a domino effect for several bills that were due at the time. I feel like I am included in the settlement payment from the Wells Fargo 2023 lawsuit