davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act 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
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

Wells Fargo mismanagement and fees. 

They also intentionally withheld funds causing overdrafts which they then put on a credit card ( it was sold as overdraft protection ) and collected interest on it. 

Its the sammiest scummiest bank on the planet and I know they owe customers form that time period money and I want some of that money.
Consumer complaint received 2024-05-03
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: TRUIST FINANCIAL CORPORATION (OH)

After reviewing my credit report, I noticed inaccurate and inconsistent reporting practices on my credit reports across the XXXX major credit bureaus from Regional Acceptance Co.. The account in question is presenting discrepancies in several key areas, which I believe require your immediate attention. 

Specifically, the high credit amount for this account is not being reported at all, which is a crucial data point missing from my credit history. Furthermore, the date of last activity and the last reported date are inaccurately reflected across each of the XXXX credit bureaus. For instance, the date of last activity is reported as occurring in XXXX on one credit bureau and in XXXX on another bureau. This inconsistency is causing significant harm to my credit report and overall financial standing. 

The account type and account status is reporting different on each bureau. 
The duration of loan term on this account is not reported on 2 credit bureau. 
The date of last payment is not even report on none of the credit bureaus. 

These discrepancies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and constitute defamation of character. I request that this account be immediately removed from my credit report to prevent further damage to my reputation and financial health. 

Please see the attached screenshots that provide evidence of the inaccuracies across my credit reports. I urge you to act swiftly to rectify this matter by removing the account from my credit report as soon as possible.
Consumer complaint received 2024-05-02
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 (TX)

We received and {$650.00} American Express Egift card. We have attempted to use it at multiple stores online and in person for various amount under {$650.00} and all have been declined. We spoke to American Express about it and they confirmed the card is active and ready for use but were unable to help us. We have seen that this is happening to a lot of people with American Express gift cards they can not use.
Consumer complaint received 2023-12-29
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. (GA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AVANTE (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Consumer Adjustment Company Incorporated (SC)

I was contacted XX/XX/XXXX and XX/XX/XXXX. The company is requesting payment for an Ambulance service. I contacted the Ambulance service and they don't have any records for me because I've never been in an Ambulance. The company 's name is CACi for XXXX XXXX service. They will not let you distribute or talk to anyone without giving them your personal information. It will not take the information provided in the text message. This leads me to believe that it's a very convincing scheme. Their website that your asked to contact is managemyaccount.net and phone number XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

On XXXX of XXXXXXXX XXXX we received License No. XXXX from XXXX that has XXXX that Citibank , N.A . is authorized to return the funds to the originator at a non-blocked financial institution where the originator is able to demonstrate they maintain an account. On XXXX of XXXX, XXXX we have sent an email asking CITY to release our funds and send it to our non-sanctioned account opened with XXXX XXXX ( XXXX ) XXXX details for USD payment : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX. 
On XXXX of XXXX, XXXX CITY sent a response to my inquiry which states that the funds have been released as of XX/XX/2024, with a return of XXXX {$57000.00} remitted to XXXX XXXX XXXX  ' XXXX, XXXX per the rerouting directions we were given. 
In our turn, as we didn't received money yet, we asked CITY to share with us transaction details and to send us XXXX ( XXXX message ) In response they asked us to wait 15 calendar days for an answer.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

On or around XX/XX/year> Lexis Nexis reported inaccurate Information about a Bankruptcy pertaining to me, they also have inaccurate and unverifiable information about a bankruptcy in my consumer report file. In which they have been giving and reporting to other companies This Inaccurate, invalid and unverifiable information.

I have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, Lexis Nexis is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information Lexis Nexis is reporting violates fair credit reporting act.

INACCURACIES Reporting : The county of bankruptcy is inaccurate, name of the court is inaccurate, disposition details is Inaccurate, Petitioner Represented By Attorney is inaccurate and contact details are inaccurate. When compared to my PACER court records, Lexis Nexis is reporting inaccurate information
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from Comenity Capital, specifically : XXXX. XX/XX/XXXX : COMENITYCAPITAL/ALPHAEONXXXX XXXX XXXX XX/XX/XXXX : COMENITYCAPITAL/XXXX To provide context, I had a prior account with Alphaeon that was closed in XXXX. However, I have not attempted to open any new accounts with Comenity Capital since then. Despite my numerous attempts to address this issue, including sending dispute letters to both COMENITY CAPITAL XXXX and COMENITY CAPITAL ALPHAEON XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore Comenity Capital to take immediate action by contacting XXXX and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome mortgage Co. Serviced my XXXX XXXX XXXX. I applied for and entered XXXX firebearance from XX/XX/XXXX until XX/XX/XXXX. In the middle of this, they transferred my loan to XXXX as the new servicer. I attempted to make my first normal mortgage payment and defer the forebearance amount to the end of the loan after the XXXX  forbearance and was told my MrCooper that this is not an option and I must apply for a complete loan modification. They refused to let me defer. I was told that according to the paperwork they received from Amerihome Mortgage, I was in a disaster forebearance. I have screenshot on my my phone when I made the decision to enter XXXX  forbearance that stated I have the option of deferring my forbearance total to the end of the loan and continue making my normal monthly payments once my XXXX  firebearance ended. XXXX and Amerihone are not following the XXXX hardship rules! Thank you.
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OH)

I was a minor when my folks had this account. I should be held liable I told them that. Then when I tried disputing it when I got older. The company went out of business and got merged so I thought I was ok. Then three- six months ago the company comes with emails and texts saying I owe them this huge amount. And if I dont settle or pay in lump sum then they will report to my credit bureau and damage my credit and they did. When I explained it dont make sense. Threats of I must not have money and I cant afford it can. Im sending in last known amount from when I was a minor and the dispute letter from back then saying they would close the account
Consumer complaint received 2023-10-29
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)

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 ( IMPACT RECEIVABLES ) 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 2023-12-29
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. (CA)

In Accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the open sate is inaccurate, last date active is inaccurate and sate last reported is not accurate, This ground for removal the also violated my rights under 15 U.S.C 1681 sections 602 A States i have the right to privacy 15 U.S.C 1681 sections 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions Also the Credit Bureaus too more that 30 days to complete my investigation This has also been filed to the XXXX  and the AG
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Lakeview Law Group, PLLC (IL)

On XX/XX/XXXX, XXXX XXXX XXXX entered into a contract with me as a consolidation program to consolidate my debt and make one easy payment to them, and they would pay my debts. They did not pay those debts, and now all of my accounts are in charge-off status. This company did not make any payments on these accounts, as far as I can see, and has been ACH withdrawing from my bank account since XX/XX/XXXX. 
As of XX/XX/XXXX, I have paid them {$57000.00}. The first 9 payments were for {$560.00} and the last two payments have been for {$610.00}. 
They claim to be a credit repair company, and now my credit is completely ruined. 
I asked for a full refund and they are refusing to do that. 
I have recorded the calls where I stated that I will only accept a full refund of the money I had paid, less the " settlement payments '' that they claim to have made. However, they did not provide those " settlement agreements '' at any point in our time of working together.
Consumer complaint received 2023-05-06
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: BARCLAYS BANK DELAWARE (PA)

Barclays Bank has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to XXXX. When I call Barclays Bank they stated that they could not help me because I dont have information about the primary cardholder. When I contacted XXXX, they stated that I needed to contact Barclays. I cant get anywhere with Barclays because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my XXXX credit report.
Consumer complaint received 2024-05-01
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: CITIBANK, N.A. (NY)

Hello so XXXX accused me of fraudulent activity when they were the ones who had constantly sent wrong orders/charged more or didnt listen to my instructions and left me with no way to return my items as they locked me out of my account. On XXXX first I ordered some travel size items as I was going to go on a flight the very next day. I got all my travel items replaced with the full size ones not only could I not afford it I had to trash them at the XXXX XXXX XXXX. I could not even return them as I did not have time. I also let my shopper know I didnt want another item and they still put it in my cart. Now I got charged {$180.00} when it really should have been {$60.00}.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (MI)

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MD)

- On XX/XX/XXXX, I called Mr. Cooper to make my XXXX mortgage payment. 
- I was told by the representative that their system can not accept my payment because there is a foreclosure sale date of XX/XX/XXXX. 
- I was told that I forfeited the property. 
- I am in active bankruptcy and no notification was sent to my bankruptcy attorney. 
- I was told that I was in arrears for over {$10000.00} - This is not the case. I pay my mortgage every month. 
- I contacted my attorney and they contacted Mr. Cooper who said that their records show that I missed several payments. 
- I provided my attorney with bank statements showing debits to Mr. Cooper for the periods in question - I also provided email confirmations from Mr Cooper stating the my payments were posted to the account. 
- This problem happened in XXXX of this year but Mr. Cooper sent notice to my attorney that I was in default. 
- We submitted proof to Mr. Cooper of all payments made each month along with their email confirmations stating that my payments were scheduled and posted. 
- I am being threatened again but this time I am being foreclosed on. And my attorney 's were not notified. 
- In XX/XX/XXXX I called Mr. Cooper to make my XXXX mortgage payment and the billing recording stated that I was in arrears. I bypassed the recording to speak to a representative and told her what the recording said and that it was incorrect. She confirmed that it was incorrect and my account was current. She then accepted my XXXX mortgage payment - I received a notice dated XX/XX/XXXX stating that I needed to pay {$8200.00} to bring my account current. I dismissed this as a mistake because the representative in XXXX said that I was current. 
- Mr. Cooper had a cyber breach in XX/XX/XXXX and shut down their system. Their records are not accurate and I am being threatened with foreclosure and I have proved multiple times that I have paid my mortgage each month and have not missed a payment. 
- I need to pay my XXXX mortgage payment but can not until they get their records straight.
Consumer complaint received 2023-02-23
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: CBC Companies, Inc. (NC)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit.

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.