davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (AR)

I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, XXXX won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

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 permission.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

XX/XX/2024 Received email from PayPal that PayPal authorized purchase in amount of {$9000.00} to merchant from XXXX XXXX account I did not authorize this transaction nor have any knowledge of how this event came to take place I can not get resolution from PayPal on how this happened, and worse, can not remove access to my XXXX XXXX account
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Dear Bank of America On XXXX XXXX XXXXXX/XX/XXXX you accepted a payment of {$2800.00}, which included payment for my XX/XX/XXXX XXXX XXXX payment, and this online payment was immediately remitted to your company by my bank and cleared on XX/XX/XXXX in this total amount paid to Bank of America XXXX XXXX. 

In error your company reversed the credit for this bank-cleared payment on XX/XX/XXXX by internal mortgage notes, and by official entry line on XX/XX/XXXX allegedly due to non-sufficient funds of a partial amount of {$1400.00} that was part of the total payment of {$1400.00}. 

My bank, Bank of America NA did not ever nor currently does not ever issue partial returns of payments due to non-sufficient funds. 

Your payment history for the above-stated loan does not have a returned payment anywhere in XX/XX/XXXX claiming a return of {$2800.00}, the amount your company accepted on XX/XX/XXXX. 

Your Regulatory Agent XXXX XXXX has failed to have any contact with me since XX/XX/XXXX, after I provided him with proof of this payment and Bank of America Home Loans acceptance of this payment and is refusing to respond to the open CFPB complaint regarding this matter. 

Your company concealed this payment credit reversal that caused XXXX unlawfully automated late fees transferred to XXXX but caused all payments made after XX/XX/XXXX for XXXX to be reverted back one month more in arrears than they were paid for, causing unearned fees to be transferred to XXXX and that caused all XXXX  payments to be unlawfully reverted back XXXX month more in arrears than they were and caused premature principal acceleration in XX/XX/XXXX when I had no payments 30 days late or more as of XX/XX/XXXX. 

Should I not be able to obtain relief in recalculation of the payment dates each payment was made for due to error in line entry dated XX/XX/XXXX, I will be forced to seek relief with counsel in XXXX XXXX District Court to obtain this relief that due to fraudulent concealment by Bank of America Home Loans and non-disclosure of this material fact in the lack of notice, collections attempts, in my billing statements and credit files over 10 years, this corrective action is required immediately, as it is affecting my XXXX loans payment history unlawfully and negatively. 

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 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/22 I received a text from a spoofed number who claimed to be my bank, Wells Fargo. Stating there was attempted payment through XXXX of {$3000.00}. I did not respond since I was unsure if it was real. A while later I get a call from Wells Fargo as I have them in my contacts. I pick up and a man by the name of XXXX XXXX confirms that there was {$3000.00} taken from my account through XXXX. He then directs me on how to get it back by going on my Wells Fargo app and XXXX myself the money back. I input my full name and phone number and first sent {$500.00}, {$2000.00}, {$1000.00}, and finally {$500.00} for a total of {$4000.00}. When the app notified me that I have hit my transfer limit he said he will call back in a month to make sure I received my money. I did not authorize my money to be sent to someone else, I was scammed into thinking it was going to myself. I open a claim with Wells Fargo and have called multiple times to no success. They state that although this has happened multiple times to other people with their bank that they can not help. This has happened for years, two women even took to the media and after that Wells Fargo decided to give them their money back.
Consumer complaint received 2024-05-15
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. (AR)

I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, XXXX won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (AR)

I was denied twice by this company they told me both times it was because I went to college. The most recent was on or about XX/XX/year>, they denied me because of my credit. I received their credit report of me and it didn't match my credit history or anything like my credit score. It was false information that they denied me for. I felt like they didn't want to do business with me because my race and noticeable inaccurate info about me. I deserve a home just like anybody else. I had just completed a 3 year lease renting a home and the knew that. This was a form of wrong identity in order to deny my application.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

LVNV received my phone information fraudulently. The original creditor charged off this account and was fully credited. After the creditor was fully credited and filed 1099C with the irs, the original creditor sold my personal information so that their partners would attempt to collect an another full credit. LVNV has now began selling my information to other companies. So the Original creditor is selling my personal financial information to companies like LVNV and LVNV is billing me, and LVNV has began to sell my information to other companies. I asked the original creditor or the 1099C and they hung up the phone after saying they have no record of sending it in 2022. This account was fully credited in 2022. LVNV is clouding my credit report unfairly and violating my rights under the Fair Credit Reporting Act, Fair Debt Collections Practices Act, and The Fair Credit Billing Act. Aside from this, this account has never been validated, they only have a credit bill but they do not have a credit card agreement. They no signature and no record of a contract to sign up for a credit card. All they have is bills, which is not a credit card agreement. A bill comes after their is already an agreement but its not proof an agreement. They have no copy of identification of anything that says I signed up for a card. However, they have already been fully credited and for this reason I do not wish to be Harassed via phone calls, stalked via US mail, or any contact. I have been bullied for over a year now and I have lost opportunity for first time home buyer programs, renovation loans, and more and because of this my son and I have not been able to move into a new neighborhood. We have wasted time and money trying to clear my credit but LVNV reports late payments every month as if I active account. They also ran my credit as If they are a cared company. Im not sure why they have so much power of my life without oversight.
Consumer complaint received 2024-03-28
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: Experian Information Solutions 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 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

I sent three wire transfers after receiving emails from what appeared to be my leasing company. They were fraudulent and had hacked into my leasing companies email system. 

After requesting that the monies be returned to my account I was told the transfers had been made to the receiving bank and they refused to return the money
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: EQUIFAX, INC. (NJ)

DELETE THESE INQUIRIES, PLEASE 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 The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : AMERICAN CREDIT ACCEPTANCE-XXXX Dear AMERICAN CREDIT ACCEPTANCE : I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
AMERICAN CREDIT ACCEPTANCE has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous fraudulent hard inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the unauthorized fraudulent hard inquiries from my credit report as soon as possible. 





Also I have supporting Documents to include with this complaint ( the fraud report i filed, my drivers license, and my social security card ) but the upload portal on the complaint page is not working. I will be contacting you tomorrow to get you all of the supporting documents that i have to support my complaint.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EGL US, LLC (FL)

I was told that if I refinanced a loan with BMG, they would consider my proor loan paid in full. After refinancing, they are continously marking the account as a charge off. After many calls and emails, it was finally updated to settled for less then owed, which is still not what was promised. It also means it had been reporting wrong for months and damaging my credit. Which is still not what was promised. I would have never refinanced if I would end up damaging my credit and owing 2 loans. That doesn't make any sense. I have called & emailed numerous times to get it updated & still haven't received a response or correct update. At this point, this is very predatory.
Consumer complaint received 2023-06-20
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. (NC)

On XX/XX/2023 I mailed out a dispute letter to Experian requesting that they validate debts from : Name : XXXX  Account # XXXX Name : XXXX XXXX XXXX XXXX Account # XXXX I received notice from Experian on XX/XX/2023 that the debts were verified and accurate. However, they did not provide any documentation with my signature ( which was requested ), and they did not prove in any way that their reporting was 100 % accurate. The only thing that Experian sent to me was an itemized statement which anyone could have typed. On XX/XX/2023 I mailed them out another certified letter giving them 15 days to provide me with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, and a document bearing my signed signature. It has been 45 days and I have not received any documents by mail with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, or a document bearing my signed signature. Experian is causing me a lot of distress by failing to remove these false claims from my file. I am getting turned down for things that I should not get turned down for, such as a car so that I can get my children and I back and forth.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

This is a follow-up complaint to complaint ID XXXX On XX/XX/year> I submitted XXXX online applications for the American Express XXXX XXXX XXXX XXXX I intend on completing the application with the XXXX bonus, but somehow XXXX XXXX system accepted the application without the sign up bonus. Their system automatically denied my application with the sign up bonus request because I had started an application without XXXX. But I never intent on completing the application without a sign up bonus. I was not given a choice. 

In the prior complaint, American Express failed to mention the bonus eligibility of the XXXX application I submitted the same day. I am a victim of how technology has failed in applying a proper sign up bonus. American Express should not have the ability to pick and choose whether a public promotion is applied based on a built in feature American Express 's response dated XX/XX/year>, appears highly irresponsible and deceptive. 

They cite We are committed to making sure all customers are treated fairly. However, they failed to mention the bonus eligibility of the second application that was submitted the same day. Why should the consumer be punished by a company 's " built-in feature '' error? Since when is intent not a factor to the CFPB? American Express intent on advertising XXXX bonus points to a new applicants. An application was filled out and approved based on the assumption the promotion would be properly applied. Now American Express is citing consumer/user error for a systems failure to apply the intended promotion? If I walked into a store and talk to a live person, this type of error would never have happened. A live person would know intent and the consumer would be able to express intent. So it is XXXX to blame this mix up on the consumer when a computer cant recognize intent in an application process. A consumer should not be taken advantage of due to a corporation 's policy/procedure failure.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

1, the consumer and natural person, was denied credit by American Express when I applied for a credit card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the American Express due to the response I received. American Express is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because American Express accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation