davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CLGF Holdco 1, LLC (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (CA)

XXXX, Equifax, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

I have an American Express Platinum account. My ex-wife was also an additional member of the account. We have been separated since XXXX, starting in XXXX I have asked them to cancel her account. It was always an uphill battle, chat was not helpful, I would have to call and wait on the line for hours. Anyways, in XXXX if I remember correctly, the card was cancelled, I was told that on the phone, and the charge for the card was taken back. 
Now, I see that I am charged again in XXXX {$190.00} for that card, and I was charged {$170.00} back in XXXX for that card. This card was told to me that it was cancelled, but on their end they just froze it but still showed it as active, so they charged me for a service that neither I nor my ex-wife could use. So, today I called them again, and I was told again that now they cancelled the card and they will send me the {$190.00} for the XXXX charge, but they refused to pay me the {$170.00} amount. Moreover, they assured me that I was going to get an email for the cancellation, but I never got it. Guess why? Because they send the email only to the email of the additional card holder, not to the person that is actually paying for the card. And when you call them and tell them that you were told that the card was cancelled, they ask you to tell them when they sent you the cancellation email, an email that you never received, nor could you ever receive. I worked in finance for over 20 years, if this is not a scam, I am not sure what is. To this moment, I have been told numerous times that the card has been cancelled, but I have no proof of its cancellation and no guarantee that I will not be charged for this card again next year or the year after. 
I am attaching screenshots from their system the charges for XXXX to XXXX. You can see that in XXXX there was no charge for this card, butin XXXX and XXXX they tried to sneak it in again.
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bristlecone, Inc. (FL)

This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested my consumer report from XXXX XXXX XXXX, I was alarmed to find out that Capital One 360 reports a savings account in my name which I never opened. Bank Name : CAPITAL ONE 360.. This is FRAUD/Identity Theft.
Consumer complaint received 2023-04-25
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. (NC)

In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

In XXXX of XXXX, we purchase our home. On XX/XX/XXXX, we made our first payment by ACH transfer for the XX/XX/XXXX payment. Our loan on XX/XX/XXXX was serviced by XXXX ( division of XXXX ). On XX/XX/XXXX ( the day following our payment ), XXXX transferred servicing to Select Portfolio Servicing ( SPS ). 

Despite evidence of our payment, SPS has refused to apply said payment to the loan. This is despite SPS receiving our bank statement showing said payment and the XXXX ( XXXX ) loan history showing said payment was received and applied before the made the loan transfer. 

We made a formal payment reapplication inquiry with SPS due to their failure to acknowledge said payment. 

In the meantime, on XX/XX/XXXX our loan was transferred again from SPS back to XXXX. On XX/XX/XXXX, we made our second mortgage payment to XXXX. XXXX, to its credit, has acknowledged the payment and although they are still working on fixing the account, they admit we made the payment. Unfortunately, that is not the case for SPS. 

On XX/XX/XXXX, we received SPSs formal response to our payment application inquiry. Despite incontrovertible evidence of our XX/XX/XXXX payment from us AND XXXX SPS still says they will not accept we paid or apply that to the loan. 

Now I understand that SPS is no longer our servicer, but their continuation to assert we owe something we clearly dont is not only troubling but seemingly in violation of federal protection laws. 

I felt compelled to file this complaint as what they are doing is really mind blowing incompetence or utter disregard for the consumer. Had our loan not been transferred on XX/XX/XXXX back to XXXX, our RESPA deadline wouldve expired on XXXX. This means SPS couldve erroneously and adversely impacted our credit and said we were delinquent when we are emphatically not. I can only imagine how many consumers are facing this with them. At some point, enough is enough.
Consumer complaint received 2024-02-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

Hello, my AMEX gift card is getting declined online. I have sufficient funds and have been trying to make purchases online, where it says American Express is accepted. When I spoke to someone from AMEXcustomer service, they said it was an issue with the merchant and that the merchant had to approve the card. When I contacted the merchants support, they said that it was a problem with the card issuer and that the bank was actually declining the purchases. The merchant also recommends following up with my cardholder to request additional assistance with getting a payment processed. They would be able to provide more information on what may be keeping the payment from coming through. But I am not able to reach a resolution with AMEX customer service. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.This is simply not the case. I'm not able to use the card anywhere. My money is inaccessible. All I want is the total balance on my cards in cash or check. 

Also when I try to make a purchase they charge me {$.00} every time it gets declined How to know in advance that this was going to happen?
Consumer complaint received 2024-03-23
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. (PA)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit account under an open end consumer credit plan as late for any purpose.
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX a wire transfer was made from my checking account in the amount of {$1000.00} the transfer reference # XXXX plus XXXX charge fee using XXXX XXXX  XXXX to Wells Fargo Bank account holder the wire transfer at my request I had a swift recall by my bank the same day it was sent that charged me another additonal XXXX to cancell the entire money transfer transaction. On XXXX XXXX I still had not received my money back. I inquired with the XXXX XXXX XXXXXXXX to see why my money was not returned So an agent from XXXX called the wire department and said that Wells Fargo told Him that the XXXX refused to refund my money, I ask XXXX rep who is the XXXX they said they did not know even though they had all the necessary information to find out who it was. I went back to the bank again the following day to request my refund this was my XXXX attempt, the same procedure they called the wire department and Wells Fargo replied the same thing that the XXXX refused to return or reimburse the funds, at this point I was very upset with my Bank XXXX for not being able to get my money back and Wells Fargo for denying the XXXX XXXX that was conducted originally on/or XX/XX/XXXX. I did research of my own and found out that XXXX XXXX XXXX of the XXXX had my money so I called them for a total refund they agreed to send back the money. so on XX/XX/XXXX I received a wire transfer and the amount deposited in my account was only {$980.00} a XXXX shortage unlawfully taken, Where by I am requesting the full amount owed, I have spent multiple hours of my time to get a refund I should have received without any form of complication but because Wells Fargo was involved unecessary complications and intentional negligence came into existence, THIS IS A FORM OF FRAUD AND SHOULD BE CONFRONTED AND RESOLVED. It is unfortunate that Banks can not be trusted with your money
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I received my XXXX billing statement less than 21 days prior to my payment due date. Received the statement on XX/XX/XXXX and bill was due XX/XX/XXXX. The Federal government required Mohela to place anyone who received a late notice on administrative forbearance from XXXX through XXXX and either issue a refund or apply payments made during that time to future payments. Mohela failed to place me on administrative forbearance and is refusing to rectify the situation. I called and spoke with several people and this issue was not resolved. I have records from my Moehla account that show the time stamp of when the notification was received.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (FL)

By my understanding credit reporting need to be accurate on all 3-credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX has a status as paid and is still showing under collections. 
The next account is BMW financial It has been closed for years and all of a sudden has a balance update of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This account also is not accurately reported on my other credit reports XXXX due amount {$25000.00}, it also says a status of charge-off. In the comments it is transferred to recovery.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I've reached out XXXX times since XX/XX/XXXX about the status of my XXXX application and have not received a response. Meanwhile, I received notification that money will be withdrawn to make a debt payment. 

I reached out the following dates without yet receiving a reply : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

They said i purchased XXXX for XXXX from PayPal. I denied this transaction and told them I never purchased from them. 
I tried calling several numbers but they were all the same man. He wanted me to download XXXX from XXXX XXXX. I refuse to download anything Im not sure about. 
He told me any number I call, he will answer. This made me very suspicious of him.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CT)

Payment in the amount of {$200.00} was made on XXXX to XXXX XXXX, account ending in XXXX, does not show posted or pending as of today. XX/XX/10. I've checked with bank, payment does not show posted on their end or in pending status.. There appears to be an error on end of XXXX XXXX aka Continental Finance Company regarding this payment.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

I logged into my XXXX XXXX account on Thu XX/XX/XXXX to update my balances for my records. I saw they had change my payment and my auto pay by nearly {$50.00} a month. I looked for statements or a notice regarding why it changed, and there is nothing my account showing those documents or my correct balances or anything with clarity on this loan balances which portion is interest and principle. They also have nothing notifying me of discontinuing any plan i was on, or that my payment was changing. They also didn't notify me that my auto pay was changing, they just changed it without notifying me first. 

I also had received emails and notices about changes to this program they mentioned a long time ago. because of that and the lack of disclosure on my account with them, i have no idea what was qualifying me for or what has happened with my account. The only information about my account still shows {$470.00} for my payment but amount due is XXXX.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: Continental Finance Company, LLC (PA)

I never opened a credit card with XXXX XXXX issued by Continental Finance under Celtic Bank. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and is a result of confirmed identity theft.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX CFPB Compliant on XXXX for Inaccurate Reporting. Refer to CFPB Complaints - XXXX XXXX XXXX 

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX and XXXX. The same information submitted by certified mail was also uploaded online through XXXX  Dispute portal. 

I have spoken to several XXXX Membership Team members as well. Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department did not take any action nor provided any evidence. XXXX IS REPORTING BUSINESS ACCOUNT ON MY PERSONAL PROFILE, this account is a result of identity theft. 

I need to refinance my home, due to this inaccurate information reporting, my mortgage got denied. This inaccurate reporting is a result of identity theft. I am also attaching the documentation to this report. 

1. FTC Identity Theft Report 2. Police Report 3. XXXX Bank statement which clearly states this is a business account.