davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX Bank * Account Number : XXXX * Last XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (GA)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
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. (TX)

In accordance with the fair credit Reporting act XXXX Account : XXXX XXXXXXXX, has violated my rights. 

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

15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX, Wells Fargo Bank gave us an interest-only adjustable rate mortgage to purchase our first home. 
Borrowers : XXXX XXXX is XXXX & XXXX XXXX XXXX is XXXX XXXX 
Loan Officer XXXX XXXX told us that the interest-only loan was the only loan for which we qualified. We both had 700+ credit scores and were the same risk as every other race and ethnicity. 
We checked those boxes that identified our ethnicity and race on our handwritten loan application. When Wells Fargo typed our applications, they checked boxes to indicate that we're XXXX & then gave us a higher interest rate. There's no interest-only option to choose on our handwritten application form, but the interest-only option appears on the application typed by the bank employee. I called Wells Fargo Bank around the beginning of XX/XX/XXXX to ask about our eligibility re : their recent settlement order for compensation. XXXX XXXX called me back a few days later to say that I don't qualify for settlement order payment. 
Attached is Our Handwritten Loan Application, The Typewritten Loan Application, Our Credit Score Reports from XXXX, Our Interest-only Mortgage Escrow Statements & Interest-only ARM Rider.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (MD)

I was on hold for over one hour with PayPal. I spoke with a " XXXX '' she said that they have records of the two payments but they did not. My bank has confirmed two payments but PayPal has declined payments for their direct account and PayPal Credit. PayPal has closed the PayPal Credit account based on their issues with electronic ACH payments from my bank, XXXX. For some reason the payments are not going through in a timely manner taking days to complete.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX. The results from both complaints were verified. In the complaints i stated XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both Experian and XXXX verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.
Consumer complaint received 2023-03-13
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. (VA)

XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of 2022.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I have been disputing credit acceptance since the beginning of this year... during the time my loan was assessed covid hit my family and I really bad.. resulting in not only multiple moving to different address but I notified them and called .... I never gotten a bill from them. what's even worse the car got totaled out. they didn't repo the car they just had it at a body repair shop. I never gotten any correspondence nor do I know what happened to the car. I want my name and record deleted from this loan. Like I said I tried myself numerous times with no end result
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (FL)

I rented a house from the XXXX XXXX from XX/XX/XXXX to maybe XXXX of XXXX more or less ; however I had experienced a sewer over load from the moment I moved in. As i sat on my porch i would spell the raw sewage and went to investigate and noticed that there was a sewage overload in the back yard. I've complained to the Mgt. company to come and fix the issue, when they finally did fix the issue, they've incurred the cost onto me. I found this very unimaginable since I was not responsible for the issue, when I expressed my concern i was treated like an outsider, XXXX was assigned to me and he never answered any of my calls to resolve this issue, they would not take my rent if it didn't include the {$500.00} fee from fixing the backed up sewer and I was told if I'm not going to include the XXXX plus my rent of XXXX to get out, so I sought legal advice, a court date was issued, they did not show up for court. the judge ruled in my favor. I was told to leave the premises after that, and i did. One month later they have issued this on my credit report. I'd like to have this removed completely from my credit file, this will ruin any chances of me trying to rent any affordable apartments in the future.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (FL)

My identity and information was used without my consent and without my knowledge. Please remove the inquiries from AMERICREDIT FINANCIA 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
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: March Motors, Inc. (AE)

I purchased the vehicle from XXXX XXXX  Around XXXX of XXXX. I made every payment on time up till XXXX of XXXX when I turned the vehicle back over to them. The loan for the vehicle was through XXXX XXXX which is owned by the dealership. The reason for turning the vehicle back over was because I XXXX to XXXX in XXXX of XXXX and that I did not want to continue letting someone else use the vehicle and being liable for any damages that may have occurred during that period. 
I contacted XXXX XXXX prior to turning the vehicle in and was told that this would not be reported on my credit because I was on orders and was not able to take the vehicle with me to XXXX. 

Since XXXX of XXXX, the vehicle has been reported missing payments till XXXX of XXXX when it was listed closed and being reported as part of a XXXX. I have reached out to them several times including during the purchase of my new vehicle to have it removed off my credit or at a minimum report it correctly. As of now, I have not received a collection notice or a XXXX  day notice that the vehicle would be resold as per XXXX  law. The vehicle has already been resold to another customer at XXXX XXXX. 

I have spoken to the XXXX there and have been told someone would reach back out to me. I have went as far as asking them if they are even able to call international and they said yes but I have yet to hear from them at this time. If you need any further information regarding this, I will be more than happy to provide it. 

As of XXXX of this year, I have again contested it about it being reported incorrectly as a XXXX  and submitted a letter stating this fact along with all of the emails to them and orders that I was in XXXX at that time. Thank you
Consumer complaint received 2024-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received {$250.00} in American Express prepaid gift cards from my workplace. 
Thus far, they have been rejected at nearly every single online or physical store I have tried to use them at. The only place I've gotten one to work is at a XXXX XXXX. 

I've tried contacting customer service, they claimed it was an issue on part of the business I was trying to spend it with, and that they couldn't do anything about it. 

No major retailers accept it, I can't use it with XXXX XXXX, XXXX XXXX, XXXX, etc. These gift cards should not be able to be legally marketed as widely accepted.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

I was 3 days late paying my bill and was charged {$150.00} in interest and a {$29.00} late fee. American express waived the late fee but not the interest charge. The interest charge posted 2 days after they received the late payment. When I looked at the next month statement I was surprised to see another interest charge of {$70.00} when I believed I had paid the bill in full. I chatted with a person or chat bot to get the late fee reversed but they made no mention I need to 'over pay ' or I would continue to be charged interest. I had not idea how much I owed or how much to pay. My compliant stems around missing XXXX payment causes up to 2 months of interest charges. This seems excessive and usury. Additionally, if you take the days I was late and annualize that rate they are charging it is absurd.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (CA)

In a shell. Upgrade received a refund from XXXX formally known as XXXX. {$22.00} refund issued on XX/XX/XXXX on card ending in XXXX with XXXX  XXXX and {$22.00} refund issued on XX/XX/XXXX on card ending in XXXX with XXXX XXXX. Both refunds are being refused to be sent to me, even though, account had been closed as of XX/XX/XXXX ( more than a year ago ) and charged off as of ( same date ). As far as I know Upgrade took a Tax Break for the amount charged off equal to {$970.00} ( Negative amount ). This amount not also had been charged off and accounted for, but it also, had been discharged in bankruptcy case number XXXX Attorneys Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The " Automatic stay '' gives consumers the power to sue any company that accept payments when the stay is in place. Based on the date of this refunds, funds should've been sent to me. Please correct your error and refund the funds. I had called 5 times for the same issue, account will show every communication attempt I've made asking for the devolution of this funds held by the Bank.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a significant credit balance on my card I am attempting to get a refund for, and Bank of America is refusing to refund me. They keep pushing the day back they " received '' my notification of the credit balance refund. It has been XXXX weeks since I initially requested the refund and they still have not cut the check of {$9200.00}.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent dispute letters to all three credit bureaus over the course of four months. Their response is a Letter saying Im using a third party credit repair company. Never updating anything on my credit report.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (TX)

After many calls with this company, southern management systems, i was told to send in a dispute in writing which i did after they received the dispute they said they would only remove a couple of things from the move out bill when i asked them why, all they said was that the apartment company would only remove those, when i asked to speak to the apartment complex so i can understand why, they refused to give me any numbers and said all discussions must be through them but i have been hung up on by this company at least ten times. Managed to finally speak to a supervisor/manager who kind of helped out and said to re dispute the newest letter, which i did but now they are saying they did n't receive it, but thats not my fault i could n't send it registered/certified mail because the only address they will give me is a  XXXX   XXXX   XXXX      now they have reported me to the credit bureaus not only on my credit report but on my daughters as well.
Consumer complaint received 2024-07-17
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION (VA)

Received account balance option letter from FreshView date d   XXXX   XXXX  2017 in reg ards to : Current Creditor-CACH,  LLC  ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,    XXXX   XXXX   2017, I we nt to  the FreshView web site to take option   XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView  at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today ,   XXXX   XXXX  2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the   XXXX   XXXX   XXXX   XXXX   XXXX     and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until    XXXX   XXXX    2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making  4 payments  of  XXXX  on this debt befor e XX/XX/XXXX  as I  do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/XXXX !
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter in the mail on XX/XX/year>. The envelop did not have any logos or markings on it. The letter head return address is XXXX XXXX XXXX XXXX, OH XXXX. It includes my name and home address but no other identifying information such as account numbers. 

The letter reads : Action needed : please call us about your online account access Dear XXXX XXXX : We locked your online account access to protect you. You won't be able to see your statements and notices at this time. To unlock your access, please call us at XXXX ; we accept operate relay calls. To unlock your access for Chase XXXX, please contact your client service representative. If you already contacted us, please ignore this letter. Thank you for your time. Sincerely, Customer service. 

The footer reads " JP Morgan Chase Bank , N.A . Member FDIC '' My Chase account has been closed for <5 years so I know this letter is fraudulent.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

asked not to be called anymore but have calls made XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX. this plus ones stated before after company was told not to contact, company refuses to send proof of debt, court order they own or can service debt, sales contract proving purchase of debt. all calls from XXXX XXXX were made from time i told them to stop till recent