davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX XXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX card has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX XXXX. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.
Consumer complaint received 2015-06-28
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (LA)

On XX/XX/ I filled out a prequalified form to get loan but was denied reasons where too many inquiries and recent open accounts. XXXX credit report was pulled, however I obtained a copy of my XXXX report and also spoke with XXXX and the information gave for my denied is false, I then contacted them and after they investigated the issue they advised me that their system gave a false denial but they can not do anything about it because they claim this never happened before,
Consumer complaint received 2023-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

On XXXX I reported the reliant energy account # XXXX as NOT XXXX Reported to XXXX Tx police report # XXXX Reported to XXXXXXXX XXXX NC XXXX report XXXX XXXX The person who opened this account is using my SS # not theirs and has a similar name. 

I have never lived in the state of XXXX. No family member lives in XXXX No person is authorized to use my info to open any account.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) regarding an unfulfilled benefit associated with my XXXX XXXX XXXX ( s ).

In XXXX, I expended over {$75000.00} across all my XXXX XXXX XXXX, a spending level that, according to the card 's terms, entitles me to a specific benefit : the ability to bring an additional guest into the XXXX XXXX at no extra charge. Despite meeting this significant spending threshold, I have yet to receive this benefit for my card ending in XXXX. 

Upon realizing this oversight, I contacted AMEX customer service for assistance. The representative confirmed my spending had indeed exceeded the required amount of {$75000.00}. However, they informed me that they were unable to add this benefit to my card. This response is both disappointing and unacceptable, given the clear terms of the cardholder agreement. 

Enclosed with this letter, you will find a screenshot that evidences my communication with the AMEX representative, along with any other relevant documentation that supports my claim. 

I am seeking the CFPBs assistance in resolving this matter. It is imperative that AMEX honors the terms of their agreement and provides the benefits that cardholders like myself are entitled to after meeting the set criteria. 

I appreciate your attention to this matter and look forward to a resolution that upholds the standards of fairness and accountability in financial services. 

Thank you for your time and assistance.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CO)

A debt collector with National Credit adjusters keeps calling, showing up to old residences trying to serve me for a debt Ive been trying to dispute for years. My identity was stolen around late 2020. Multiple loans were taken out with my social. I have been trying to dispute that they arent me. I have been getting calls from family members that say the debt collector keeps asking them where I am or if they know me. The original loan company who sold off the debt is called XXXX XXXX. This is not my debt and I am tired of being harassed for something that is not mine. They have never verified the debt either. The amount of the debt consistently changes too. It used to be around {$1500.00} when this all started and now its {$3000.00}.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I noticed a hard inquiry on my credit report made by capital one on XX/XX/XXXX. I did not open or attempt to open a line of credit with them or open an account. This was not me and was fraud or a mistake. I called capital one and they did not find an account with my information.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (OH)

Chime https : //www.chime.com/ Someone or the company itself opened a credit card under my name and email address as well as my cell phone number. I tried using their contact information to ask them to close it, but it was automated and was requesting the last four digits of my social security card. I did not put that information in and anything else I tried would not let me speak to an actual person. So I got no where with that and they do not have any available emails or addresses on their site either. 

I just recieved an email saying that they are sending me a credit card in the mail ( to my actual home address ) and that a virtual credit card is available to use. I do not have any account information or access so I am concerned someone will use this card to create significant debt in my name. 

I need this fraudulent situation ended, I have no interest in Chime in any way. I will be destroying any cards they send me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX  - XXXX {$9900.00} XXXX XXXX - XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, IN - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX {$9900.00} XXXX XXXX  - XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates , LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to a notice I received regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681 ), I formally dispute the validity of this debt.

I request the following information, as mandated by these laws : Proof of my legal obligation to pay this debt. 
A complete payment history and calculation of the balance. 
The original signed loan agreement or credit card application. 
Confirmation that the debt 's statute of limitations has not expired. 
Additionally, pursuant to the FDCPA ( 15 USC 1692c ( c ) ) and Regulation F ( 12 CFR Part 1006 ), I request that all telephone communication cease and that future correspondence be conducted in writing. 

Furthermore, under the FCRA, I insist that this debt not be reported to credit bureaus until the dispute is resolved. 

Failure to provide the requested information within 30 days should result in the removal of this debt from my credit report and cessation of collection attempts. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I mailed out a credit dispute asking that Transunion and XXXX verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both XXXX and Transunion have failed to respond within XXXX  days
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TX)

I have been in contact with this company and have asked that they remove this account from my credit report. This account is currently in a lawsuit and by law must be removed until this matter is settled. I have I identified below the laws regarding this issue. 

ACCOUNT NAME- BRIDGECREST ACCT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 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 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (CA)

hey XXXX XXXX it appears that this item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it I've gone through a serious financial hardship and this would help me with my credit in the future thank you so much
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Prior complaint submitted on XX/XX/XXXX. The Bank reported a credit to my XXXX account of {$280.00} for Homeowners insurance payment overpayment debit. I did not receive any written documentation of the correction and no change to the payment due for XX/XX/XXXX. The correct Homeowners insurance premium payment for XXXX of XXXX was {$1000.00} and not {$1200.00} which was deducted in XXXX of XXXX. There is also a forecasted {$1200.00} overpayment for XX/XX/XXXX. These two errors cause an over estimate of XXXX required to pay the homeowners insurance. I have tried to call to get additional information but service was refused twice. The first time I did not have my Drivers license number. The second time I provided this and was told my ID could not be verified because it was not in their 3rd party XXXX XXXX  XXXX ID verification system. 

I am seeking the following remedies : Written verification of the {$280.00} credit to my XXXX account. Removal of the forcasted {$1200.00} overpayment for XX/XX/XXXX. Updated XXXX payment scheduled reflecting the corrected homeowner 's cost which would reflect lower XXXX account balance requirement. My monthly mortgage payment for XX/XX/XXXX was {$1300.00} and my current statement for XX/XX/XXXX received indicated the payment is {$1400.00}. This is an increase of {$140.00} per month. Could you please explain this increase if the corrections mentioned have been applied?
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (KY)

On XX/XX/2023 Goldman Sachs / Apple Card received a check for {$8200.00}. That check was rejected by my bank for " missing Endorsement ''. The balance in the account was more than sufficient to clear the check. 

On XX/XX/2023 I made an online payment for {$820000.00} because I did not want to incur a late payment. XX/XX/XXXX was the due date for the payment. 

On XX/XX/2023 Goldman Sachs / Apple Card resubmitted the check for deposit to their XXXX account and it cleared. 

Goldman Sachs / Apple Card was paid by online payment of {$8200.00} and check payment of {$8200.00}. I have shown proof via text messaging and email to Goldman Sachs / Apple Card. They say no check has been receivied by them. My bank shows the check cleared and I have provided proof directly from my banking app and scanned copies from the bank showing the check cleared. They are only acknowledging the online payment. 

I have been requesting via phone and texting with Goldman Sachs / Apple Card to help resolve or what other proof I may provide of the check. They say they have no record of the check.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AZ)

I received a letter from the bank US NATIONAL BANK ASSOCIATE. The bank did the investigation on the account and found that it was fraudulent. So the debt collector still refuses to remove the account from my credit report. 
The bank is where the fraudulent account is from.
Consumer complaint received 2024-01-04
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: CORELOGIC INC (FL)

I had applied for Solar Panels with XXXX XXXX XXXX which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for Credco. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Consumer complaint received 2024-03-26
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. (WA)

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, XXXX and Experian.
Consumer complaint received 2024-02-15
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: SANTANDER HOLDINGS USA, INC. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4