davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (AE)

Greetings and Blessings from the Most High God, After numerous requests to XXXX  XXXX to DELETED my account from my credit on account number XXXX. As agent to the principal in this matter, XXXX XXXX XXXX as a federally protected employee has the inalienable right to privacy, under the FCRA 15 USC 6802 as well as the Privacy Act of 1974. XXXX XXXX is committing identity theft and fraud upon the good name of XXXX XXXX XXXX. The continued reporting of this account is causing damage upon our good name this actions need to cease. Therefore, I am formally and permanently revoking and opting out of ALL XXXX XXXX XXXX XXXX XXXX authorizations, I the consumer XXXX XXXX XXXX may have given, written, unwritten, verbal and non-verbal per 15 USC 6802. Please revoke any Power of Attorney, XXXX XXXX XXXXXXXX XXXX may have filed on my behalf. Data furnisher verified is unacceptable and will result in arbitration for ALL parties involved in this fraud
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A credit card was opened in my mother 's name. She is XXXX and legally XXXX and XXXX. My mother did not open this credit card. None of these charges was signed by her because she has been unable to sign her name since 2015. The bank is unwilling to give me documentation of these transactions. These charges were not made by her and the person who signed for and made this transaction needs to be charged. This is elderly abuse and exploitation. I have spoken to XXXX XXXX the branch manager on numerous occasions and to much avail she has offered me no assistance and she has disregarded my emails.
Consumer complaint received 2024-03-04
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I've been trying to fix my credit reports from all three NCRA 's, and I have been successful for the most part, except with Experian. Experian keeps hindering my credit report and credit score when the others have raised my scores with the distinct difference of XXXX points! 
I

have been working on this for several years now, and every time I contact the representatives from Experian they are rude and condescending ( including management ). They do not want to help even when I have my credit report on hand and provide documentation in regard to my accounts. They either report incorrect data, or they are not updating my accounts at all unless I contact them to dispute the inaccurate information, which is affecting my score. The last dispute I submitted recently was to update the status of my XXXX credit card balances, auto loan, student loans, and to remove an incorrect listing of my name and my current employment information. The balances reported to Experian were XXXX months behind, yet XXXX and XXXX both had the correct current information.

As a response to my dispute, Experian tanked my credit score by XXXX points! They have had the same information all along, and the only information that was updated was positive information and deceasing account balances. This does not make any sense! Why would they decrease my score by XXXX points ( its down to XXXX, when they haven't penalized me in the past ), and XXXX and Experian raised my credit scores to XXXX and XXXX. 

When I called to question about the negative changes, they claimed that the late payments on my student loans from years ago are why. When I pressed further, they stated that they use the exact same algorithm tools ( XXXX XXXX and XXXX XXXX ) as the other NCRA 's and they can't explain why my score was impacted so negatively, or why there is such a distinct difference in the scores. I can understand some variations ; but not a XXXX point difference! This is unacceptable and lacks transparency to consumers.

This has been an ongoing struggle since 2020. They have wasted my time and its not fair how they are treating consumers when their reporting is deliberately affecting my personal life, my ability to buy a home, and their practices have caused issues with my security clearance in the past. Its not fair that they don't want to fix mistakes they are making, or use a more transparent method of calculating the scores in line with other NCRA 's. I need help getting this resolved.
Consumer complaint received 2023-09-02
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 (NY)

XXXX ) I opened a XXXX card with American Express in XX/XX/XXXX. The card is advertised as enabling the accumulation of Membership Reward points, which can be transferred to several AmEx airline and hotel partners. 
XXXX ) In XX/XX/XXXX, I attempted to transfer my Membership Reward points to the XXXX XXXX XXXX XXXX ( XXXX henceforth ) rewards program, an AmEx partner, via the AmEx website which provides this functionality. 
XXXX ) The website requests that I provide my account number with XXXX, which I did. However, the transfer failed with a non-descriptive error message that indicated that they could not verify a match between my AmEx account and my XXXX account. 
XXXX ) I called customer service around XX/XX/XXXX to attempt to make the transfer via phone. The agent indicated that the problem is that AmEx system can not fit my full legal name, which has XXXX characters in total. Their system seems to only be able to support around XXXX characters. 
XXXX ) XXXX 's system does support my full legal and requires an exact match for the points to be transferred. The agent went so far as to indicate whether I could change my name with XXXX so the match could go through. I can not comply with that request, as it would effectively mean changing my correct full name with XXXX to something incorrect, which could create complications when purchasing tickets and boarding flights. 
XXXX ) The AmEx agent admitted that the problem is their system but did not provide any recourse. As a result, simply due to the fact that my name is " too long '', I am unable to take advantage from the benefits advertised to me when acquiring this card and have been misled. The points I have collected with AmEx should amount to thousands of dollars. I kindly request your support in advocating for my rights as a consumer and that AmEx provides a resolution that enables me to receive the full value of the benefits contracted when I acquired their credit card.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Newman, Mathis, Brady & Spedale (LA)

As a Federally protected consumer this alleged debt collector has violated my right to privacy as well as multiple adverse actions as listed in the attached documents. I request that the CFPB hold them accountable for their actions.
Consumer complaint received 2022-12-30
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. (FL)

This is my other 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 records 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

My Detail first : Name : XXXX XXXX ( First / Last name ) Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone # XXXX email address : XXXX Complain Description : I Initiated international wire transfer from Chase Bank of amount USD XXXX on XX/XX/XXXX to the recipient located in XXXX ( XXXX ). I was charged {$50.00} as transaction fee by Chase bank for the international wire transfer. However, on XX/XX/XXXX, my XX/XX/XXXX, funds of USD XXXX ( {$75.00} less ) were returned back to my checkin account with chase bank. I called chase bank and I was told by rep that funds were returned as there was no IBAN ( routing ) number provided. Chase bank returned back {$50.00} transaction fees, however, the {$75.00} were charged by XXXX bank were not returned. Chase bank rep says that the amount was charged by XXXX, so they should return it. But when I call XXXX they say it is the initiating banks responsibility to provide all the details and they should refund the amount. 

When I initiated transfer with Chase bank, I provided all the required information ( name of recipient, swift code, bank account number ). I was NOT asked for IBAN number, so how would I provide the number. 

Both banks are not agreeing whose fault it is. At the end, I am suffering {$75.00} for their disagreements. 

I am attaching wire transfer receipts and also screenshot from my bank account with removed unrelated information.
Consumer complaint received 2023-05-31
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. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or fixed the following inaccurate items in my 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
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 there was an electrical Fire at my home. I notified Wells Fargo 48hrs latter. I kept telling them I would not make any payment do to that. They signed me up with XXXXXXXX XXXX who put me on a 4 month forbearance. ( XXXX XXXX took exactly XXXX yr to pay calling it XXXX then switched to electrical fire now the house is full of mold & still not fixed ). I send the payoff check Friday XXXX XXXX & it was picked up @ XXXX by someone for Wells Fargo XXXX XXXX XXXX. I paid {$36.00} have the tracking number & name of person who picked the check up. I have called them 4 times they deny having that check. They keep calling me & emailing me & harassing me about a payment for a home that is unfit to live in the mold has gotten extremely worse. I want every cent I paid them from XXXX XXXX XXXX to now. Plus I feel I should be compensated for the stress & aggravation. First knowing the check is there for Payoff they should cancel payments unti resolved, It has been one year & 6 months.Now I want them to repair the home XXXX to XXXX free of charge & give me a Reprinted check for XXXX check payable to me Wells Fargo XXXX XXXX XXXX have put me through XXXX WF should have a direct number & the same person to talk to. First you get put on hold 2 or 3 times & have to listen to all that pre recorded garbage that doe not pertain to me. Please help. Dut to high number spam calls & my 12 hr shift work no phone email is best. I get it on my phone & call you back from work or home a direct line. I need to include XXXX XXXX for calling the fire XXXX when the XXXX XXXX
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (PA)

I purchased my home XXXX of XXXX. I immediately requested removal of our XXXX  XX/XX/XXXX. I was advised in writing my loan must season to 24 months before they will even discuss pmi removal, so I was told XX/XX/XXXX was when I could again request removal in writing, which I did on XXXX. I was told based on original value it was declined but I could pay for an appraiser ( {$550.00} ) through XXXX and my loan had to be less than 75 % off the value. My home appraised for $ XXXX. I owe $ XXXX. I waited a week from appraisal to follow up and was told yes I met the minimum but they wanted to review further. I waited another week, same response always telling me it could take 30 days to respond. My home is well under the % required. Every time I email Im told it could take 30 days to respond, what takes 30 days? Ive met all of the requirements presented to me and do not feel it is a fair practice to continually stretch this out 30 days at a time. I paid my full payment today including pmi, and should not have to continue to pay this again when the appraisal was completed on XX/XX/XXXX with them confirming receipt and value on XX/XX/XXXX. Please help me get this task accomplished! I have never missed a payment on my mortgage. This seems like an unfair practice being Ive met the requirements as presented and then they add theres now more approvals? More approvals for what? I have requested a copy of these extra approval steps/requirements, as I was not made aware there would be a secondary approval needed that could take another 30 days. It appears we are keeping this dragging on so the money keeps being collected! 
Thank you XXXX
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

Chime has in error charged me twice for a provisional credit after a unfavorable dispute. My original dispute was dated XX/XX/XXXX ( original payment ). 
XX/XX/XXXX provisional credit from chime. 
Friday XX/XX/XXXX provisional credit reversed. 
XX/XX/XXXX another adjustment XXXX. 

I closed my dispute in the app which I believed caused me to pay a provisional credit again.chime stated they stopped my dispute on XX/XX/XXXX but email shows i was already charged on XXXX XXXX already settled the dispute on XX/XX/XXXX. Both screenshots will be below. 

I have contacted them everyday all i get is a 1-3 days for an investigator to look at my claim. Nobody speaks fluent XXXX or can understand me
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (ND)

Around XX/XX/2021, XXXX XXXX  and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and XXXX XXXX  blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, XXXX XXXX  and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, XXXX XXXX  and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, XXXX and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, XXXX was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

XXXX et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than XXXX points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.
Consumer complaint received 2024-03-04
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX
Consumer complaint received 2017-07-26
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (GA)

I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In 15 U S code 1681b States : permissible purposes of consumer XXXX Inquires have no permissible purpose being 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
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting that I am 30 days late in XX/XX/2023. I have paid ON TIME for the month of XX/XX/2023. I have called XXXX FOUR times to try to fix and rectify this problem but have been transferred to mulitple departments. I have even requested to speak with a manager when I spoke with the representative XXXX, and was denied the transfer to the manager. If you look at my account history, you will see that I have NEVER been delinquent or 30 days late for any of my payments. Please remove and update that payment for XX/XX/2023 as ON TIME for ( XXXX ). If this is not removed in a timely manner, I will report with the XXXX XXXX XXXX, and have my attorney a filing for a lawsuit.
Consumer complaint received 2023-07-16
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: Self Financial Inc. (NY)

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. Self as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.