davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I have an amex account where my children have cards. On one of my young adult/college daughters account she attempted to pay her bill. She made an error and tried to correct it. The system said her payments were cancelled but the payments were not cancelled and the payment was not paid by her bank. The payment was attempted again the next day and the payments were covered. Amex froze all of my personal account for an account that 1. was not the primary account holders account for over 10 days AFTER being paid for XXXX, 2. I was charged XXXX for XXXX which seems unreasonable considering the account was not the primary account and the attempts to cancel the error was not honored by amex. 3. amex customer service would not resolve the issue with me and said they could not remove the hold even if the payment was covered. 

There is no agreement I have with Amex that states that they can uncancel a payment and use secondary card payments the account to freeze the entire account. They never sent a notification that the account was on hold and why. They have not provided any explanation why and how long the account would be put on hold. Currently it has been on hold indefinitely without explanation!
Consumer complaint received 2024-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There are inquiries on my Credit Report that i didnt consent to. from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of America ). I did not consent to these inquires. I ask that they're removed from my credit report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (PA)

They allowed me to use the account for about a month let me get a credit builder loan and payday loan and as soon as I did that they blocked my account. They arent allowing me to access the account and havent stopped taking money.
Consumer complaint received 2024-08-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint against Nelnet for Fraudulent Accounts To Whom It May Concern : I am writing to file a formal complaint against Nelnet for their failure to address fraudulent accounts opened in my name. I am a victim of identity theft that occurred while I was XXXXXXXX XXXX XXXX XXXX and Nelnet has not taken appropriate action to resolve this issue.

Key points of my complaint : 1. Multiple fraudulent accounts were opened in my name with Nelnet while I was on XXXX XXXX XXXXXXXX. 

XXXX. I became aware of these accounts upon XXXX XXXX XXXXXXXX and immediately reported them as fraudulent. 

XXXX. I filed a police report documenting the identity theft and fraudulent accounts. A copy of this report was sent to Nelnet. 

XXXX. Despite providing Nelnet with the police report and explaining my situation, they have not responded or taken any action to remove these fraudulent accounts from my credit report. 

XXXX. These fraudulent accounts are negatively impacting my credit score and financial well-being. 

XXXX. As an XXXXXXXX XXXX XXXX XXXX at the time of the fraud, I believe I am entitled to additional protections under the Servicemembers Civil Relief Act ( SCRA ). 

I have made good faith efforts to resolve this issue directly with Nelnet, but they have been unresponsive. I respectfully request that the CFPB investigate this matter and require Nelnet to : 1. Remove all fraudulent accounts opened in my name. 
XXXX. Correct any negative information reported to credit bureaus as a result of these fraudulent accounts. 
XXXX. Provide a written explanation of how this situation occurred and what steps they will take to prevent similar incidents in the future. 

I am prepared to provide any additional documentation or information required to support my complaint. Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

Elan Financial ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened account opened at premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX a personal loan under the name of XXXX, XXXX on XXXX under the account number XXXX. a personal loan under the mane of money lion under the account number Account # XXXX. a credit card opened under the name of XXXX XXXX opened on XXXX under the account number XXXX. a credit card under the name of XXXX XXXX opened on XXXX under the account number XXXX. a collection account under the name of XXXX XXXX XXXX opened on XXXX under the account number XXXX. another collection account under the name XXXX XXXX XXXX opened on XXXX under the account number # XXXX These accounts have resulted in several fraudulent hard XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Venmo erroneously suspended my account and so I filed a previous complaint against Venmo with the CFPB ; then, Venmo sent me an email apologizing for the mistake and they explained that they un-suspended my account and told me I could use my account again. So, I logged into my newly un-suspended Venmo account 10 minutes later ; and, Venmo then re-suspended me a second time after they had literally just un-suspended my account 10 minutes earlier. Please look at the attached emails, and their timestamps, for verification of this. Please note that Venmo 's suspension of my account both times was erroneous on their end and that I did nothing wrong. Because of their incompetence, and because this is the second time they have suspended my account, I have filed this second complaint in relation to my account being suspended a second time.
Consumer complaint received 2024-06-28
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)

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report 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 XXXXXXXX Pursuant to 15USC1681b, I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo will not remove my name from account that was opened during my marriage to my now ex husband. I gave my ex husband {$4500.00} to zero out the balance in XX/XX/2019. My ex husband didnt close the account and has subsequently continued to charge on the account which now shows up on my credit report. We asked Wells Fargo to remove my name from the account and they will not. We even asked them to close the account then open another one in my ex husbands name but they refused. I fully diss agree with this outcome. Why should I be responsible for debt that is not mine?
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-28
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

Consumer XXXX ... Early Warning Service has obtained all my personal banking information & personal information such social number, date of birth etc., without my consent. I have never done business with them. Early Warning Service has over XXXX of my banking transaction from XXXX XXXX  XXXX XXXX bank XXXX This evading my privacy.
Consumer complaint received 2024-06-28
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. (VA)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report. I sincerely hope that such measures will not be necessary and trustthat your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : 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
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX XXXX XXXX XXXX XXXX, employee ofJP Morgan Chase told me my refinance was not approved because they can not subordinate my second mortgage because there is less than 5 years remaining and because of my current credit score. He asked how I wanted to proceed. I said i did not have the means to pay it off so if I couldnt do that does that mean I am backing out of the application and Chase gets to keep my good faith money. He said no if I say I want a refund the file will be declined and I would get my money. I said refund I heard nothing for weeks so in XXXX I left a voice mail, which he did not return. Several days later I called again and he said something to the effect he wasnt ignoring me and he hadnt gotten the voicemail so it wasnt his fault. He said it was being reviewed, it should take a couple of weeks and then the funds would be returned. In the meantime I suffered the sudden death of my boyfriend who had to be removed from life support and watch him die, I had to struggle through work and the holidays and it never dawned on me I still hadnt received the refund. I emailed XXXX again and he said The request was rejected. Youre not getting your refund.. I emailed again and asked for his supervisors information and he sent me a ride email saying I already told you theres nothing I can do and neither can she I had found her contact information XXXX XXXX XXXX XXXX and emailed her including copies of the emails and left a voicemail, neither of which she responded to. I emailed XXXX again and told him I would continue up the chain of supervision and if necessary contact Consumer Financial Protection Bureau, The Federal Trade Commission and XXXX XXXX XXXX 
In his last correspondence he said if I can get my credit score to the minimum they require- I have no idea what that is as they never mentioned there was a minimum they could redo the application waive the {$500.00} fee and pay off the second lien XXXX This makes zero sense as the initial reason given for rejecting me was the second mortgage had less than XXXX years on it and it could not be subordinated He enclosed the agreement I signed and it states that the good faith money would be returned unless I withdraw the application or I dont provide documents they want in a timely manner. I did neither of these things yet they are refusing to refund my {$500.00}. I realize this is probably nothing to him or his supervisor and absolutely nothing to JP Morgan Chase but {$500.00} is a lot of money to me. I would not have tried to get a better interest rate on my mortgage if money meant nothing to me.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Sunday XX/XX/2024 at approximately XXXX I pulled into the Bank of America drive thru atm located on XXXX XXXX in XXXX XXXX XXXX NJ and attempted to make an all cash deposit into the atm id : XXXX. I was able to deposit and process XXXX bills in {$20.00} for a total of {$1500.00}. When the atm prompted me what I wanted to do next, I selected deposit more funds. I attempted to deposit another XXXX bills in {$20.00} for another {$1500.00} deposit, now totaling {$3000.00} attempted cash deposit. Only this time, the atm started making funny noises as it tried to accept my bills, which the atm eventually took my money, but then froze. Didnt count, didnt process, didnt return funds. Nothing. I waited several minutes to see if anything would process or if the screen would change and nothing. Thats when I touched the keypad hitting enter and clear and instead at this point the atm ONLY processed my first deposit of {$1500.00} but not my second, ended my session and printed my receipt which recorded only {$1500.00} instead of the full {$3000.00}. I never got my XXXX deposit back at all. Thats when I attempted to call the help line advertised on the atm : XXXX and let the representative know the exact details above. They told me that because its Sunday and the bank is closed, there wasnt much that could be done today and that I would have to wait until Tuesday XX/XX/2024 to see the credit of {$1500.00} that got lost in the atm.