davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

A fraudulent wire occurred on my account. The wire was {$5000.00} and it was not authorized by me, when I noticed the wire I tried to call the bank to verify it wasnt me and for the bank to not go through with it, however it was too late as the scammers were able to confirm with my bank that the wire was me and it was completed without my authorization. I filed a claim and it was denied from chase, theyre reasoning was that I authorized the wire so it was my fault.
Consumer complaint received 2023-07-12
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXXXXXX XXXX XXXX alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; XXXX did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.
Consumer complaint received 2023-11-24
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 (NY)

I have called Amex gift card services numerous times regarding all of the declined transactions. I have tried to use the card at XXXX, XXXX, XXXX, XXXX and also in person at a hair salon- all have been declined. I called customer service and all they say is that all these are blocked merchants. They said to use the card in person. However, it doesn't work anywhere. I asked them to send me a new card and they said it can't be done unless I get declined. OK ... It's declined EVERWHERE, so why is Amex holding these funds? They are scamming people and blocking major retailers, therefore making the card useless. DO NOT PURCHASE AMERICAN EXPRESS GIFT CARDS. AMEX BLOCKS EVERY TRANSACTION AND THEY KEEP THESE FUNDS. HOW IS THIS LEGAL?
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP, LLC (TX)

Was XXXX from having a XXXX XXXX upon discharge noticed fraudulent transactions called to disputes charges was initially told woyld take 5 to 6 mos called daily weekly until received resolution letter company denied sending letters was asked to send in copy was treated unfaidly and rudely by several employees supervisors had phone hung up on in face letter stated reimbursements only company denied sending letter and re cant reimbursement. as result became XXXX couldnt pay late fees delinquent charges and penalties
Consumer complaint received 2023-09-06
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Consumer complaint received 2023-09-06
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. (FL)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 604 A section 2 its also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

XXXX XXXX has violated my rights.
Consumer complaint received 2023-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 Bank of America credited my account twice instead of once due to what appears to be a technical error ( they admitted as such when asked over the phone ). During this period my credit account was shown as negative. I continued to post payments as asked by the bank according to its own official statements. Several statements ( from XX/XX/2023 to XX/XX/2023 ) showed {$0.00} due for that cycle and therefore, I did not post any payments during that period as I assumed I had overpaid previously. On XX/XX/2023 the bank rectified the mistake and charged the account for the erroneous credit. At this point I first became aware of the issue, and of course, paid my balance for the next month in full, as I have always done for the many years I've been with the bank, and through all my other open and closed accounts anywhere else. 

Despite this, the bank later reported to the credit bureaus that my credit card was delinquent for 60 days ( during XXXX and XXXX ), even though, at no point in time, I had an official bank statement stating any amount was due and unpaid. After months of back and forth and wasting countless work hours of talking to the bank and several assurances by some bank employees to fix this - as they admitted to me over the phone to the bank 's own contributory negligence in that matter- my credit score seemed to be fixed- only to later realize it was done so only during the investigation, while the bank actually kept reporting to the bureaus that the delinquency information is actually correct. More months had passed, I tried the same route of talking to the bank, being ping-ponged to different departments, having told I need to wait for months for this to be fixed. I went through another cycle of investigation where my credit was seemed to be fixed, but again, it was only temporarily during the course of the investigation, and I was back to square one. It had appeared at this point, after more than 6 months, that I have exhausted my options dealing with the bank directly on that matter. During this time, I was unable to rent an apartment and have good conditions on a car loan I was seeking, and this had caused me some adverse financial burdens as a result of seeking different routes. 

I should note that one agency - XXXX - actually did retain the corrected information for my accounts, and does not show the delinquency, while the problem persists currently with XXXX and XXXX.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (AR)

American car center closed its doors like right after all the papers were signed for my buy out of the lease i was waiting on my title with them as lien holder for the amount of XXXX no finance charge that included the cost ofXXXX for tags and license which I never have received I did not know where to make payments until XX/XX/2023 at that time I requested my tags and they gave me the run around I call weekly trying to get someone to help I felt like that if I kept paying my payment Id never own the vehicle so I stopped making payments they now have repossessed my vehicle I was never late on my payment to American car center I paid them well overXXXX dollars and I have now lost that money because the didnt hold up to their own contract of providing me with a title so I could tag my car and drive it cause my tags went out in XX/XX/2023
Consumer complaint received 2023-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized and inaccurate. The inquiry in question appears as follows : Creditor Name : Capital One Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  I have reviewed my credit report, and I can confirm that I did not authorize or initiate this hard inquiry with the above-mentioned creditor. As a result, I request that you investigate and remove this unauthorized inquiry from my credit report. 

I kindly request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). I also expect a response within the legally required timeframe, generally 30 days, regarding the results of your investigation.
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: EQUIFAX, INC. (PA)

Fraudulent accounts appearing on credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

On XX/XX/XXXXXXXX  I mailed a certified letter to Discover Financial Services. The letter explains the inaccurate reporting on my consumer report. Discover provided a 1099C for tax year XXXX. I submitted the 1099C as income when I filed taxes for XXXX. 1099C is a cancellation of debt. According to IRS publication 4681 a charge off is defined as gross or ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of this account on my consumer reports inaccurate. I requested the deletion of this account from all my consumer reports due to 15 USC 1681s-2. Discover responded with a letter dated XX/XX/XXXXXXXX  stating their reporting of the balance and account as valid. Discover also mailed a packet of statements reprints that I did not request ( dated XX/XX/XXXX ). Discover Financial Services are reporting inaccurately.
Consumer complaint received 2023-10-23
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: AutoNation Enterprises Incorporated (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-23
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: Self Financial Inc. (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (MO)

I have no idea what this company is trying to collect from me. This has been going on for several months. AT first they called about once a week and left no messages. NOW they are calling repeatedly from different locations every day and only leave a call back number that I can not get through to a person. It has reached the harrassent stage in my opinion since they started calling every day, several times a day, from different places yet I can't get anyone to send me paperwork on what this is supposedly for. It's really ridiculous that after I told them to cease and desist from contacting me any more. There is no way that I'm ever going to be able to pay for what ever it is and I would think the company can write it off.
Consumer complaint received 2023-10-17
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: ENOVA INTERNATIONAL, INC. (FL)

I have no knowledge of these accounts these hard inquiries are a result of identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft
Consumer complaint received 2023-12-25
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. (NY)

Social security number is XXXX my complaint con transunion credit report theirs three adverse negative accounts that are fraud it's supposed to be removed theirs a federal trade commission identity theft report on file. And XXXX credit report theirs is one negative account that's fraud it supposed to be removed from XXXX credit report I have a federal trade commission identity theft report on file and XXXX Credit report their is one negative item that's fraud it supposed to be removed from my XXXX Credit report theirs is a federal trade commission identity theft report on file
Consumer complaint received 2023-08-29
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reliant Capital Solutions, LLC (TX)

On XXXX XXXX. I was informed that Reliant Capitol Solutions called to look for me at my employer. A supervisor informed them to no longer call that the line was a business number. They stated they would no longer call and would make a not of it in their system. 

On XXXX XX/XX/2023, they called my cell phone at XXXX at XXXX hours. Again, at approximately XXXX hours, they called my employer and told an employee that they were from " Reliant Capitol Solutions seeking to collect a debt. ". 

This is repetitive, unprofessional, and harassing.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

I reject the previous response from southwest recovery service inc. they purchased this debt from a third party, and it is an illegal attempt to collect this debt. I have no obligations to pay this to XXXX XXXX, and I have no wet ink signature contract with southwest recovery services. I am informing I will have to pursue a lawsuit. It needs to be removed from my credit report immediately, and they have broken several consumer laws.
Consumer complaint received 2024-03-15
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-10-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Movement Mortgage LLC (GA)

My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage fraud was committed by the lender from start to finish.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-09-06
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. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-12-17
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: Massachusetts Educational Financing Authority (NY)

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them 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