davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account name : # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

I am sending this response to the the lender. I would like to use code HJR-192 this code validates the account Consumer Law code.

I am dealing with a lot of identity theft and inconsistent resources that are misleading and useful.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I received a letter from Bank of America stating my debit card is here. I have never had or attempted to open an account with Bank of America. 

XXXXXXXX XXXX prior, I received a letter from Bank of America stating that " my account '' could not be opened due to additional information required. 

This process with Bank of America has really been a thorn in my side.
Consumer complaint received 2019-12-04
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 have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX  or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

We filed a Chapter XXXX Bankruptcy and completed the restructure in XX/XX/2016. We are in the process of refinancing our loan and Wells Fargo is reporting the payments made in our Chapter XXXX as late payments. We have contacted them and tried to resolve the issue, however they have extended their investigation time for over a month. We received a latter today stating they have done an investigation and the reporting on this end is accurate. 

We also had a payment plan from Wells Fargo Bank, made the payments they asked for and they are also reporting the payments as late on our credit report.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (IL)

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2023 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). ( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CO)

I applied for, and received, an American Express Platinum Delta SkyMiles card on XX/XX/XXXX. AmEx advertised XXXX bonus miles for applying, with an additional XXXX bonus miles for meeting certain spending amounts in the first 3 months. 

When I applied online, a note came up that said I was not eligible for the bonus programs, but I was given an opportunity at that time to ask for reconsideration. The message I received back was I would be awarded the bonus miles if I successfully completed an approved application. I then signed up for the card, including the {$250.00} annual fee. 

I was told by and AmEx representative via the Chat application on XX/XX/XXXX that I was eligible for the XXXX and XXXX bonus miles award that was offered when I applied for the Platinum AmEx card. I checked in several times since then and was told that the award would be placed in my account in the next several months. 
Unfortunately, when I checked on status of award miles on XX/XX/XXXX, I was told the welcome offer was declined and I would receive no Delta SkyMiles. It is basically a case of being told one thing to get me to sign up for an expensive card and AmEx not delivering on its offer. 

I had several web chats and calls with AmEx regarding this, as well as writing two letters ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue. I did a final web chat on XX/XX/XXXX to again request the bonus miles. They said I was ineligible and not only refused to award the bonus miles, but also to refund the {$250.00} annual fee that I suggested would be acceptable resolution for me. 

AmEx said they clearly stated I was ineligible when I applied. I very much dispute this- I understood during the application process that they would award the miles and that is the only reason I would have spent {$250.00} in annual fees for a credit card.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

Extension was requested and granted on XX/XX/2023 for payment months XXXX, with next payment due month XXXX. I have received a cure notice since that time threatening further action. Fifth Thirds is also reporting these months as delinquent to the credit bureaus. This has since caused other companies to reduce my credit limit further impacting the damage fifth thirds is causing by inaccurately reporting. I have contacted fifth thirds when I received the cure notice and was informed there were extension files from XXXX that were not processed but they would make sure this gets handled.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (CA)

The most recent copy of my XXXX credit report ( dated XX/XX/2024 ) indicates I have two loans with Sunbit. According to my credit report, Sunbit is incorrectly reporting one of my loans if paid off in full and has been closed. However, on Sunbits website, it indicates both loans are open with outstanding balances. This is inaccurate credit reporting and a violation of the federal FCRA, and Californias XXXX. It gets worse, I paid late on both of my Sunbit loans, however both Sunbits website and Sunbits employees are unable to provide me with details on how many days late my payment was received. This is egregious. In addition, I spoke to an employee named XXXX ( XXXX ), who interrupted me and placed me on hold and transferred the phone call without my permission. Also, the hold time to be transferred was a long moment of silence.
Consumer complaint received 2024-03-20
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

This a consumer complaint being submitted by XXXX XXXX for the notice of adverse action provided to the claimant on XX/XX/2023 by Upstart Network in regards to a {$50000.00} personal loan finance application. 

The financial lending company Upstart is in violation of CFR 1002 of the Equal Credit Opportunity Act by denying the consumer 's rights when the consumer has clearly shown creditworthiness as an applicant with a valid social security number. 

Consumer should not have been denied any extension of his own credit when the consumer has shown his creditworthiness, evidenced by his ability to contract on this finance application ; CFR 1002.1 ( b ).

All the proper fields were submitted to make this a valid application under CFR 1002.6. There should be no reason for the denial on this application for being " incomplete, '' unless it was done so on a discriminatory basis. Any factors other than the creditworthiness of the applicant that contributed to the notice of adverse action are not valid reasons for the denial of this finance charge.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (TX)

I received partial claim paperwork for loss mitigation that I needed to fill out. Once I filled it out and returned it to my mortgage company. They informed me that some items on the partial claim paperwork were incorrect, and I would need to have it modified. I inquired as to when my payment plan would start then as the time for me to submit the paperwork would be after that. I was told to not make any payments until the partial claim for my FHA mortgage modification was approved and I would be advised of when to make payments. XXXX months after what it was approved I was to begin making payments, but instead the mortgage company relayed to me that I needed to make the payments from XXXX months earlier. When I advised them that I was told not to make a payment and had documentation of that, I was told there was some miswording. In addition, I came upon the information that this mortgage company since having bought from my previous mortgage, lender has been holding escrow instead of releasing it to me. When I asked for the funds to be released, they stated it was against company policy to release escrow when there is a default amount due, this default amount is due only because they changed the date of the payment plan and are not honroring their word. They additionally, check out home insurance on my property when I already have home insurance and have been charging me for that.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CO)

Received a letter in the mail from Chase stating that I was denied opening an account that I had no knowledge of.I have never had an account with Chase bank. I have put a freeze on my XXXX  account and talked to Chase bank fraud department and said that it would take anywhere from thirty to sixty days to get the hard inquiry off of my account. It was dated XX/XX/2024.
Consumer complaint received 2023-02-14
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (PA)

My car 's engine died on XX/XX/XXXX I was waiting for the dealership to tell me whether or not they will cover the engine. I let one main know that the cars engine was not working and that I was waiting for answered to see if it would be covered and repaired after finding out it would not be repaired. The person told me all I needed was a letter to say that the car was not working and that they will switch the loan over to a personal loan. When I called back to have that done she told me that they were not going to do that. She was going to take the car, sell it, get what they can get and pick the loan and to repossession status and I'm not sure why. I never told them I would not pay but I told them that the car did not work and that I couldn't continue to pay the {$530.00} on the loan with having to get a new car and asked Could the monthly payments be lower but I have not received the answer. My car at this point is only worth XXXX and I owe XXXX on the car
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (FL)

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX. Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CO)

Ally Bank has placed repeated holds on my account and says they can not remove them for an XXXX transaction and some debit cards transactions. 

This has been an issue traveling abroad in XXXX, but has persisted in the United States. 

I am back in XXXX after returning to the U.S due to this issue and can not pay for housing or food or transportation while this issue remains in effect.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (TX)

ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX  XX/XX/2022
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (MO)

I have a mortgage  with BB & T ba nk. About a year ago I had a  XXXX   XXXX  and then was terminated from my employer due to my health. We ran into financial issues. We never missed a payment on our mortgage, although we were late at times. In  XXXX  of  XXXX , the bank locked our online account so we could not make the normal payment. We had to call in. In  XXXX , again they locked our account. We paid yet again over the phone. At this time we were caught up and current. We were also paying the late fees anytime we paid late. We received a past due statement saying we were behind almost {$3000.00}. In  XXXX , I made a phone call informing them my company had messed up my payroll and I did n't get paid when I was supposed to. I explained I could pay {$1000.00} today, an additional {$1500.00} on the  XXXX . I also informed them I would be able to pay {$2000.00}  XXXX   XXXX ,  XXXX  and {$2500.00} on  XXXX   XXXX .  XXXX   XXXX  another {$1000.00}. I had second guessed myself thinking I might be behind. These amounts would have had me totally caught with some extra to fall back on for late fees. They denied all of this. I called twice with this offer and both times I was denied. I received a letter on  XXXX   XXXX , post dated from  XXXX   XXXX , stating we were officially in foreclosure. They never informed us of this, even asked and was always told no. I reached out to my realtor and she began helping u s. BB & T bas ically refused to help us. She was trying to sell the house in a short sale or outright but the bank refused every offer and attempt at a resolution.  XXXX   XXXX  was the foreclosure sale date. I called the legal department the night before to try and stop this. I received a call the following day from a gentleman from the bank saying he had stopped the sale, he would be evaluating the process and it would just start over. Again, we tried working with them. To no avail. Again, they denied everything. They came up with off the wall amounts and reasons why they kept denying our hardship and loss mitigation. Their main reason, non owner occupied. That is false, me and my family still reside in this home. I filed a complaint with the Missouri State Attorney General 's office. I received a response the bank sent the attorney general in the form of an  XXXX  page packet. This packet included all 6 years of payment history and call notes. This packet proved consistent payments as well as the refusal of the {$5000.00}. They also included documents that were n't even ours. I received another foreclosure date of  XXXX   XXXX . I have no idea why this bank took my money but did not post those payments to my loan. I am now currently 5 months behind because they refused payments due to the foreclosure. I do n't want to lose my house. I need help getting this bank to stop trying to take my home. This never should have happened.