davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit 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: AMERICAN EXPRESS COMPANY (AL)

I registered for an exam with XXXX for {$350.00} in XX/XX/year>, with a test date of XX/XX/XXXX. 2024. On XX/XX/year>, I needed to reschedule my test for XX/XX/year>, and was charged a {$40.00} change fee. However, I was charged the {$40.00} by XXXX, but they never scheduled the new test date. I contacted the company on XX/XX/year>, because I did not see the latest test while reviewing my account. XXXX reported that my payment never went through, so the new test date was not scheduled. However, XXXX advised they would refund the {$40.00} change fee, and the refund was received on XX/XX/year>, and confirmed by American Express. However, XXXX says I need to pay {$350.00} again to take my original exam because they did not receive the {$40.00} change fee, and my original test date remained. Please help me understand how this makes any sense. How can you refund the money you never received? Since American Express knows about all the transactions, why dont they refund my {$350.00}? XXXX will not allow me to take my exam without paying another {$350.00} or refund my money.
Consumer complaint received 2023-10-30
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. (MI)

Delete XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (AL)

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the 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 agency 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 seven 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 2023-02-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-29
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)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the 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 agency 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 seven 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Upon further investigation, I contacted each credit bureau Experian and XXXX. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On Experian it says the closing date was : XX/XX/XXXXXXXX  on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to XXXX and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from XXXX : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXXI - TOTAL XXXX  # XXXX my credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$550.00} Credit Limit {$0.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

On the date XX/XX/year>, I received an email notification indicating that someone had requested {$1000.00} from me via XXXX. Upon verifying the authenticity of this request through my XXXX web page, I proceeded to contact XXXXXXXX XXXX customer service for assistance. After being redirected multiple times, I finally connected with an individual who identified himself as " XXXX, '' claiming to be a financial advisor affiliated with XXXX. XXXX asserted that he could resolve the issue and instructed me to install remote desktop software, " XXXX, '' on my computer. Subsequently, an unauthorized transaction of {$50000.00} was initiated from my Wells Fargo checking account to an undisclosed destination. XXXX informed me that the transaction could not be cancelled conventionally and advised me to return the funds in bitcoins. 
Driven by a sincere intention to rectify the situation, I withdrew {$21000.00} under false pretenses, from my Wells Fargo account and purchased bitcoins as instructed by XXXX. However, upon discovering the disappearance of {$50000.00} from my account and unauthorized transfers between my savings and checking accounts, I became increasingly wary of XXXXXXXX XXXX instructions, and stopped any further communication.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

You all closed my previous dispute and did not remove the items or do what needed to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy and XXXX  account along with any other items associated with the bankruptcy DO NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME! Also the XXXX XXXX XXXX account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are now offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please remove the bankruptcy from my file and correct the balance for the XXXX XXXX XXXX account!
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

On XXXX/XXXX/24, a CFPB complaint was made ( due to Amex wrongfully retaining a {$690.00} fee ). 

On XX/XX//24, Amex resolved the complaint by agreeing to refund the {$690.00} fee ( in writing via the CFPB ). 

As of XX/XX/24, Amex has not refunded the fee within the timeframe Amex specified in writing. 

Unfortunately, Amex continues to engage in the false and deceptive practices that are outlined in the original complaint. 

See attached for documentation of all of the above.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lockhart, Morris & Montgomery Inc. (GA)

I am a XXXX XXXX service connected VA veteran and i am having a issue with XXXX and XXXX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to Lockhart, Morris, & Mont XXXX XXXXXXXX for a ambulance service taken me to the VA XXXX for XXXX XXXX and XXXX risks when i was homeless. All my medical bills are paid thru the Dept. of Veteran Affairs from being XXXX XXXX service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA Loan for my house. Attached is my VA benefit letter, credit report, id and proof of residency. thank you
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

on XXXX XXXX  I called XXXX  asking them why they reported me 30 days late when i havw been making payments every month. I have the XXXX app that i used to make payments every month sometimes i will even make twice amonth.I spoke to the supervisor XXXX  of XXXX and i explained my situation that I went by what the app will tell me to pay when i said that the app automatically took out that account that i was reffereing too, I went to my computer and I couldn't find the account. I called them back to resolve this problem they said that I couldnt resolve because I filed for bankrupcy, I told them I never filed for bankruptcy they wouldnt provide me with any information, I requested a copy of the supposely file records they said they cant provide me with that. 
I spoke with XXXX from bankruptcy dept. from XXXX today XX/XX/XXXX  he gave me the lawyer that supposely i file bankruptcy with XXXX XXXX ( XXXX ) XXXX I called spoke with him and he didn't know anything about this claim. there was no record about any of this on my name. I really don't know what to do at this point.
Consumer complaint received 2023-04-11
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. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2023-08-06
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)

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXX XXXX, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a T. I thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

We found that someone took XXXX out of our checking account to pay a credit card that was on bill pay ( XXXX to be exact ). I don't have a XXXX credit card. I did 2 years ago but I haven't had anything to do with them in that time frame. Someone from Wells Fargo took that money out of our checking and paid someone's XXXX card. I don't exist with XXXX. Bank said I did it when I didn't ( card doesn't exist ). 
I ask them where the money is and they don't know. And they have continued to ignore us. 
Last I heard was that I had to prove that I didn't do it. I did prove it. I don't have a XXXX credit card.
Consumer complaint received 2024-05-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC (LA)

Compu-link, Conducted a non-judicial foreclosure on XXXX XXXX XXXX XXXX XXXX La XXXX XXXX Louisiana is a judicial state. Due to this wrongful foreclosure due process laws were violated. During this sale an amount of XXXX was completed. The deed was never transferred. After XXXX years the house as of today is titled to my parents. Louisiana law after you initiate a foreclosure statute of limitations are 3 years. Parents died 2019 and the statute of limitations has passed. 

We are trying to cure the title but we need XXXXlink corporation to release the lien due to illegal foreclosure in the state of louisiana. This is not my debt and request removal from title.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Hard Inquiries that I do not recognize XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Captial XXXX Via Dealer XX/XX/XXXX XXXX XXXX  Services XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing XXXX  times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX XXXX  sent a dispute in XXXX of XXXX haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.
Consumer complaint received 2023-08-06
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. (GA)

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 Since pulling my report between XXXX and XXXX of XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, XXXX, and Experian, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : Pennymac Loan Servi XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.