davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Sulphur Bank Rancheria Enterprises (CA)

Right Now Loans said that I made a {$750.00} loan on XX/XX/XXXX. According to Right Now Loans I was overbilled 23 times of {$5200.00} The issue was reported to XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2024, I initiated a {$100000.00} transfer from my Marcus by Goldman Sachs Online Savings Account to my personal XXXX XXXX XXXX Investing Account. But this transaction was reversed by Marcus by Goldman Sachs on XX/XX/2024. On XX/XX/2024, I spent around 4 hours talking to more than 4 customer service associates, but got different explanations. Further, I had another similar {$100000.00} and {$50000.00} transfers initiated on XX/XX/2024 and XX/XX/2024 respectively, which probably would be declined by Marcus by Goldman Sachs too. So first could I get the correct reason why these transfers between my own personal accounts were declined by Marcus by Goldman Sachs? Second, I need to use the {$250000.00} in my personal XXXX XXXX XXXX Investing Account as soon as possible, so how can I transfer the {$250000.00} funds out of Marcus by Goldman Sachs in the fastest?
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TN)

The Company name is Affirm Inc and there is two accounts, one was open on XXXX XXXX account balance is {$3500.00}, showing that it is in collections the original balance was {$3400.00}. The other one open on XXXX XXXX account balance {$160.00}, showing past due 30 day. The original balance was {$500.00}. The total balance for both is {$3700.00}. I didn't open this account. I have expressed this to the company but nothing has been done about it. I only find out about this account from viewing my XXXX credit report. It is not on XXXX, XXXX.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This will be my third time writing to XXXX XXXX Equifax to investigate and provide proof that the bankruptcy listed on my credit report came directly from the United States Court House and not a third party. I received a response that the bankruptcy was verified with the United States Bankruptcy Court. However, XXXX or Equifax did not provide me with proof. I reached out to the courthouse to confirm their information release policy. The court advised me of the following The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Per the Fair Credit Reporting Act 15 U.S.C 1681, it is a violation of the FCRA to report inaccurate or unverifiable information on a credit report. XXXX took the liberty to properly investigate and delete these Bankruptcies from my credit report due to inaccuracy, however, it is evidence that XXXX XXXX Equifax did not and lied about investigating this bankruptcy with the courthouse. I demand the following Bankruptcies be immediately deleted from my credit report : *XXXX  XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX Please reply to me in writing or via email ( XXXX ) once this has been deleted. Also, it is to my understanding that I am entitled to a free credit report once any information is investigated and deleted. Please send an updated report to the mailing address listed above. Thank you XXXX XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

I have a Mortgage with LoadDepot. I have had my payment on auto payment since I opened the mortgage. One day I decided to switch cards to my wifes account using her account number and routing number. I did it successful with no problems. I went online one day to pay a principle payment like I have did before. I realized my mortgage wasn't paid so I clicked a button and paid it. I didn't think nothing of it I just thought maybe it will activate the autopay the following month. Every month I transferred money to her account to make sure the payment goes through whenever the autopay is drafted. Fast forward to XXXX I receive a notification that my credit score has dropped XXXX points on all three scores.Im serious about my credit and my finances. I looked and it said late payment. Im confused because I have over XXXX on time payments in the last 5 years. I realize its my mortgage. I immediately call LoanDepot to figure out what's going on. The lady on the phone tells me we kicked your form of payment off of your account because the name doesn't match the name on the account.I asked her why wasn't I notified about this. Ive never received any phone calls or mail or emails. The next day I received a letter in the mail from LoanDepot saying that I am 44 days late and I'm at risk for foreclosure. Im confused because I have more then enough money to pay my bills on time. I called the company and paid with my original card I had on file before XXXX immediately to make sure my debt was cleared. I have written 3 letters and made several phone call and several emails to the company and they treat me like I'm worthless. They don't care about the customer. Ive reached out to LoanDepot on social media and begged for somebody to help me and to reach out to me and they blocked me. I feel its unfair to me because I have two phone numbers on file and never received any phone call or voice messages. I never received any mail until it was too late. Im begging for help and nobody wants to help me get this issue resolved.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

This will be my second complaint about Wells Fargo. The complaint is in regards to the previous complain I filed. Case number : XXXX. Consumer Financial Protection Bureau XXXX XXXX : XXXX. I received correspondence from the executive office at Wells Fargo advising me that the late credit marks on my report would be reversed. The marks include a 30 day, 60 day and 90 day late mark that was placed on my report in error because Wells Fargo did not apply the payoff in time to my account. I received a letter saying that only the mark from XXXX would be removed. I personally spoke with an executive from the Wells Fargo office and was advised that all of these late marks would be removed. To date XXXX XXXX all of the negative remarks are still reflecting on my credit report. I am requesting that all of these negative credit marks be immediately removed from my credit report. I was assured by Wells Fargo that this matter would be resolved and it still is not resolved. In addition this has had a negative impact on my personal credit.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (CA)

Experian credit bureau used an onslaught of advertising to truck me into taking a pre approved credit card. I decided after almost daily emails and internal pop ups to do it. XXXX XXXX XXXX XXXX XXXX '' Card was issued without the limit I was guaranteed for applying and they PRE CHARGED me from some other company for the fees charged. They adversely effected my credit in callusion with the Experian Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX etc is the president of a XXXX XXXX  entity known as XXXX  XXXX at the address used physically. This seems to be a XXXX  situation and there is no way of knowing who this person is. The affiliated XXXX XXXX XXXX is an INACTIVE company located in NB. 

I have not researched Experian for shell games and possible maphia fronts perhaps you should. 

There are multiple internet predator complaints about ALL 3 of the companies in question. Please help the other victims of the interactive predatory lending and data breaches. 

They have also yet to answer for the XXXX XXXX XXXX sole proprietorship breaches and alterations of my business file in their business division. Please don't hesitate to mention that.
Consumer complaint received 2024-01-12
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I had an XXXX business credit card with Chase. Who I opened the card they offered a large bonus for spending a lot. I did this and got my rewards bonus. 

Then I get a letter stating that I had 14 days to verify my business and that I should had received a letter stating what documents to send to verify. I never got this letter. 

I called chase several times to find out what I needed to do. They could only refer me to the letter that I never received. I asked for the letter to be resent. But it was not coming in time. I called again and the agent said not to worry that I could always reopen the account if it did not come in time. I asked him again what documents I needed to send and he told me my personal ID and proof of business address. My business is run from my home. The only document I could get in time with had my business name and address was the proof of registration of my business ( which I sent them a screenshot of ). I waited weeks for them to respond. I then got a letter stating my documents were not accepted and that they closed my account. 
I believe Chase did this intentionally to revoke my XXXX rewards points. I believe they did not ever send the first letter asking for verification. They are not willing to make this right. 

This process was convoluted and intentionally difficult. Why not list the documents I needed in the second letter?
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I previously submitted two complaints regarding Wells Fargo Home Mortgage. I disputed the bank 's non-response and can not append to them. XXXX / XXXX The bank has obscured and redirected the complaint at me in their response. 
The bank XX/XX/XXXX sent some sort of financial statement in teeny tiny print it is impossible to read. I do n't know what it is. I have previously filed a complaint about this. They refuse to send information in a normal size type. They do n't want customers to be able to read so they can get away with whatever they are trying to do. 
In the XX/XX/XXXX letter, the bank apparently claims The Federal Court Bankruptcy Trustee did not make the regular payment per my Chapter XXXX filing in XX/XX/XXXX. I paid the Trustee. I have the Court records. 
Trustee an I have made all the payments to date. The bank WRONGLY shows escrow payments were not made when in fact, the payments were made and the escrow was paid. 
The bank has still not answered why, if there is a SHORTAGE as they claim, why did my payment DECREASE. 
The bank has used redirects, deflections, falsehoods, and repeatedly sent unreadable pages to pretend they are responding when in fact, they are not. 
The bank claims they have made no errors. Yet the facts contradict this claim. 

The bank has decided without my knowledge, my consent, my participation OR ANY NOTICE OF ANY SORT WHATSOEVER to apply regular monthly payments I have made to principal curtailment. I DID NOT CONSENT TO THAT, DID NOT ASK FOR IT, WAS NOT NOTIFIED OF IT, AND I DO N'T WANT IT. 
They are cheating me by re purposing my payments. 
If I mange to pay a month or two in advance for a payment so I do n't have to worry about it later, that is my choice. I should have control over how MY payments are applied to MY account. I do n't want to have to worry about making payments every month -- so I paid a little ahead. Now the bank is telling me they wo n't allow me to pay ahead, they are going to do whatever they want WITHOUT ANY NOTICE OF ANY KIND with my money. 
The bank wants me to be on the edge. They want me to make late payments so they can collect late fees or try to take my home. 
The bank is playing a financial shell game with my mortgage. They have taken away any control I have over what they are doing with my payments, my escrow -- next they will be claiming that I did n't make the payments they " reallocated '' and I have to start making triple payments to catch up.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The law requires companies to delete disputed unverified information from consumer reports This collection is false and has been effecting my credit for years ; ive never signed off on the original debt and I'm being stiff armed for a 'Pay to Delete ' when I shouldn't be paying anything.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've called the number provided but nobody respond. I'm requesting a copy of the voicemail on XX/XX/XXXX with Capital One. The phone records indicates the phone calls last for 20+ minutes with Capital One. In this call, Capital One agent explained the nature of the XXXX Transactions. I've requested the copy over the phone multiple times but I never receive the transcript of this call. 

Also I've attached a copy of the voice call in a later date. In this call, the agent explained very clear XXXX is not revokable. Please review it carefully. 

Since the Demand for Arbitration has been sent two weeks ago, please circle inside to find the related docs.
Consumer complaint received 2024-04-07
Product: Credit reporting 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)

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) .It has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX USC 1681a.

According to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

According to 15 U.S.code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. My personal information has been disclosed to third-party non-affiliated companies and used for the purposes of reporting this information to my consumer report. According to 15 U.S. code 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 15 U.S.code 6802b, advises a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Meaning that 3 disclosures must be sent to me first, before information regarding this account can be exchanged and Eye must agree to it. Eye have not agreed to this action. It is the policy of Congress that each financial institution those who have extended lines of credit, have the affirmative and continuing obligation to respect the privacy of its customers and to protect the security and to protect customers personal information. This is a violation of my privacy under The Privacy Act of 1974. amended, 5 U.S.C . 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are to be removed from all consumer reports.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (LA)

I recently reviewed my Consumer Report where I discovered that ( SELF/XXXX XXXX XXXX ) reported what was notated as a ( LATE PAYMENT ) ( Date- type of contract ) on my credit report. In pursuant to title 15 U.S.C. 1666b, No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my consumer report should be based in accordance with my written instructions.
Consumer complaint received 2024-04-07
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)

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , TransUnion, XXXX, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( TransUnion ), No date ( XXXX ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by TransUnion, XXXX and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

I have asked for contract that I signed from them proof that the debt is my debt nothing I sent hours on the the phone and didnt get a response just more confusion and the run around now I want to take legal action with XXXX and Berlin- wheeler, XXXX XXXX XXXX