davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (TX)

Today Saturday XX/XX/2022, I checked my credit report for Experian to find out an account using my social security number has been opened for XXXX  XXXX XXXX, and I did not open any new accounts using my social security number with XXXX  XXXX XXXX ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.
Consumer complaint received 2022-12-03
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: TRUIST FINANCIAL CORPORATION (LA)

this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (MS)

I have never had any business with Credit Acceptance. However, this company has reported a {$20000.00} fraudulent debt to XXXX. Instead of asking this company for proof of this debt, XXXX took their word and placed this fraudulent debt on my credit report. I believe that XXXX did this because of my race and XXXX. I am an XXXXXXXX XXXX woman. This is slanderous and libelous. Credit Acceptance and XXXX should be held accountable for putting fraudulent debt on consumers credit reports.
Consumer complaint received 2022-12-03
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: SYNCHRONY FINANCIAL (FL)

eIn 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 USC 1681 Section 604 a Section 2 : It also states a consumer agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpos
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've contacted Experian, XXXX, and XXXX in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the XXXX XXXX  XXXX XXXX.
Consumer complaint received 2022-12-03
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. (NJ)

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and XXXX on my report. with the months of this year.
Consumer complaint received 2022-12-03
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. (MS)

I have never had any business with XXXX XXXX. However, this company has reported a {$20000.00} fraudulent debt to Experian. Instead of asking this company for proof of this debt, Experian took their word and placed this fraudulent debt on my credit report. I believe that Experian did this because of my XXXX and XXXX. I am an XXXX American woman. This is slanderous and libelous. XXXX XXXX and Experian should be held accountable for putting fraudulent debt on consumers credit reports.
Consumer complaint received 2017-06-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc. (SC)

I was contacted by convergent outsurcing  XXXX . They have been calling my desk number at my place of employment. The rep told me that they contacted my employer on behalf of   XXXX   and got my information but I have checked and my employer advised that they do n't give out personal information. This is harassment.
Consumer complaint received 2017-06-26
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: WELLS FARGO & COMPANY (IL)

In XXXX of 2015 I requested assistance from their Home Preservation department, because I became unemployed. Under the plan terms and conditions, I agreed to make partial payments to Wells Fargo until I could make full payments, or refinance my mortgage. At the end of the plan term, I successfully completed refinancing my home. The initial documentation that I received and submitted to Wells Fargo states During the plan period : We ( Wells Fargo ) will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. However, per my credit report, it appears that they have reported that payments were paid late for 12 months, instead of paid partially. Im disputing Wells Fargos reporting because they did not clearly indicate that they would report every payment made under the trial period as late. The wording on the documents attached literally state we will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. I would also like to point out that during the time that I entered the plan, the Home Preservation department was a new entity at Wells Fargo. I talked with 3 different Home Preservation Specialist who handled my case, and stated that due to the newness of the department, policies and protocol was constantly changing. I feel that I was not provided with the correct information at the initial agreement of this plan, which could have affected the outcome. I feel that Wells Fargo should amend or correct their reporting in a way that reflects what I initially agreed upon. I have since contacted the Better Business Bureau, to which I have gotten no results. at this time Wells Fargo still Believes that they have reported fairly, despite the inability to accurately inform me as the consumer.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished an 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 plan as late for purpose.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TN)

I deposited {$170.00} on XX/XX/2022 and it was to be available on XX/XX/2022 and it was not and the app register was corrupted and there was no trace of me depositing it. I tried reporting it on the chat messenger in the app but couldn't get help at all so I left a text based message in a contact form on the app. Then I called and that was a waste of time. I'm not sure who answered but they sure didn't get being a XXXX XXXX XXXX or business in XXXX. She claimed my check was deposited at another financial institution but wouldn't tell me which XXXX ir in what account. They would not refund my money but wanted to cancel my card and I said no thank you but they argued and insisted. My card was not violated and that would inconvenience me more. They said I'm warning you and then said this your last warning. Then he admitted he ported the number and answered the phone to close down the company. They took {$28.00} XXXX weeks or a month before and {$25.00} for XXXX weeks before that once a week from that account. XXXX was violated to and it was done right away when I received the payment XXXX times. XXXX dose of {$25.00} and then {$18.00} out of {$20.00} payment and then {$10.00} and when it did that it pretended it owed {$7.00} and they left the {$2.00} that was already in there.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (AZ)

XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back Experian and XXXX from conducting their investigations as well.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (GA)

I have a construction to perm loan with Ameris Bank. On XX/XX/2022, Ameris Bank, denied a rate lock highlighting that my employment status was : 1. unverifiable and that 2. length of employment was also unverifiable. The rejection letter also erroneously indicated a. ) serious delinquencies b. ) number of accounts with delinquencies and c. ) derogatory public record relative to my credit file ( see attachment ). 

As such, a rate lock which I was told would be honored until a XXXX of XXXX  for new build construction loan was obtained was denied. This immediately follows the decision to no longer honor the terms of previously approved 30 year construction to perm loan at a 4 % conversion rate. Ameris bank indicated that XXXX related construction and global supply chain delays are an insufficient basis to honor terms ; no interest payments have been missed. 

My credit score ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX ; I am employed and currently earn 20 % more than when initially approved ( see YTD earning ). Initial loan amount of XXXX after construction build out is now XXXX M ( per Ameris bank appraisal ). 

This is my primary residence and I have not missed an interest payment. The aforementioned actions taken by Ameris Bank materially impact my ability to maintain my home. Ameris Bank has provided erroneous credit and employment findings in an attempt to force a first time home owner into a predatory style loan.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I DO NOT HAVE KNOWLEDGE OF ACCOUNT THAT WAS OPENED IN MY NAME. ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT!! I DO NOT OWE THE AMOUNT LISTED XXXX. PLEASE REMOVE FROM REPORT.
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I never received my escrow refund checks for loans : Mortgage Loan XXXX XXXX XXXX XXXX {$3600.00} Mortgage Loan XXXXXXXX XXXX XXXX XXXX XXXX {$4200.00} use edisbursement and deposit this money into my checking account.
Consumer complaint received 2022-12-03
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: CCS Financial Services, Inc. (VA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my right 15 USC 1681 section 602 states that I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states as a consumer reporting agent can not furnish a account without my written consent instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open, and a consumer credit plan as late for a purpose.
Consumer complaint received 2017-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my Trans Union, XXXX and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CO)

On XX/XX/XXXX I set up a Remitly.com account and transferred funds from my XXXXXXXX XXXX  to a XXXXXXXX XXXX  Account to pay for a XXXX The process was confusing and my transfer was did not appear to have been saved. The XXXX XXXX XXXXs well reputed and I used the link they sent me. I checked that all the URLs were Remitly.com so I don't suspect I was on another site. I then initiated the process again and ended up mistakedly with XXXX transfers for the same thing. XXXX notified me that my transfer was pending because they needed more information. They prevented me from logging in to further process anything online. On the login I was give a screen with only XXXX options to call them. 

I XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX  do not work. Eventually I got the on chat and they called me. They passed me through XXXX agents and then started asking what I thought was invasive information about the recipient, what was I paying for, I said a service, they wanted to know the specific service, and they wanted to know my physical location as well. This XXXX XXXX for a financial service that already had all the account information to process the transfer. 

I had supplied Passport photo, facial video that their site requested. I requested with the agent that both transactions be cancelled, she told me that " made her XXXX  that I was cancelling my transactions '' ( bizaare language choice for a financial company ) and assured me they had been cancelled. I received emails saying as much. On the Remitly account they show as cancelled The next day a transaction went to my bank for $ XXXX. It is pending so I have to wait until it finalizes to dispute it with my bank. SInce it is a debit card it is difficult to force resolution ( sadly. ) What am I reporting? XXXX customer service for a payment processor, recommending to others not to use this company if they value peace of mind, and posting a withdrawal to my bank after I cancelled my transactions.
Consumer complaint received 2022-12-03
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: SYNCHRONY FINANCIAL (NY)

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 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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. (KS)

15 USC SECTION 602 States I have the right to privacy.

15 USC SECTION 604 A Section 2 : It also states a consumer reported agency can't furnish an account without 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 2022-12-03
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: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15usc 1671 section 602 states I have right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer right furnish an account without my written instructions. 15 usc 1666b : A creditor my not treat a payment on a credit card open-end consumer credit plan as late for any purposes.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

In XXXX of 2021 chime bank sent me a email stating my account was closing on that date. I wasnt negative, no fraudulent activity. They gave me no reasoning and yet to send the funds in my account! My XXXX XXXX still pulled out of my chime as scheduled and they then chime pulled it back from XXXX XXXX stating due to the account closed. Chime has XXXX of my dollars sitting in a closed account and fail provide me with a valid reason!
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AFNI INC. (NY)

Afni sent me a letter to my job instead of my personal address. Embarrassing me in front of my job and threatened that if I did not pay, they were going to suspend my license and registration. They sent me this letter XXXX months after the fact.
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XXXX 2022, I mailed in the payments for both mortgages for the XXXX payment on both mortgages. SPS applied BOTH payments to only XXXX of the mortgages. I contacted them on XXXX XXXX, 2022 to correct the problem. I was informed from a SPS associate that they would expedite this request and it would be corrected by XXXX XXXX, 2022. I receive up to XXXX calls each day, asking me to make my XXXX XXXX. I was told in a later contact that the calls would stop. THEY HAVE NOT and they have NOT corrected the problem. This happened in XXXX of this year resulting in SPS reporting me to the credit bureaus. My credit score in My dropped XXXX points. I am in the middle of refinancing a property. If this happens again, the refi will be cancelled. HELP ME!!!!!