davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MS)

In XX/XX/2023 Columbia Debt Resource was sent a certified letter veritfiy ownership and proof of identidy. Columbia debt resource did not comply.
Consumer complaint received 2022-05-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc. (FL)

Yes XX/XX/XXXX my wife and I applied for a FHA loan through Elend-American Financial and we went through approval had everything done survey appraisal engineering inspection shopped for homeowners it underwriting keep asking for more bank statements even after the funds was verified and each time money went in and out I had to so invoice or receipt ( self employed ) of where the money went or come from so after the funds was verified I didn't use the account anymore because of the hassle of showing where it went or come from showed taxes for XXXX and XXXX as XXXX was my bad year for covid my work slowed down at end of XXXX and half of XXXX as I'm a XXXX and no one wanted me in there homes well after going around and around with underwriter on XX/XX/XXXX I asked to speak to a supervisor it's been 3 months 4 closing dates pushed the underwriting kept wanting more bank statements but as soon as I asked to speak with a supervisor on XX/XX/XXXX on XX/XX/XXXX they made a decision they couldn't do the loan because differences in income now my wife makes XXXX a month and was also on the loan so there's really no reason I shouldn't have gotten the loan they said all the covid breaks only applies for XXXX not for XXXX and they couldn't do the loan because different in income from year to year now this is weird after all that they so they can't do the loan and no real reason why except I filed a complaint
Consumer complaint received 2022-05-28
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 Acct XXXX  XXXX XXXX XXXX XXXXXXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-11-07
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. (IL)

So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan XXXX cards that don't belong to me at all they are a result to identity theft.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (NY)

In XX/XX/2023, a missed payment was incorrectly reported on my credit report by Fortiva. I contacted Fortiva 's customer service to address this issue, and I was informed that they had reached out to the credit bureaus to have the missed payment removed from my credit report. Despite this assurance, I am seeking confirmation that the necessary corrections have been made to accurately reflect my payment history. 

I request that the involved companies provide written documentation confirming the removal of the erroneous missed payment from my credit report and ensure that my credit history is accurately reported. Additionally, I would like to know what steps are being taken to prevent similar errors in the future.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX PM ) Letter Mailed Date and Time XXXX XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX  XXXX XXXX XXXX PA XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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, 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 an account without my written instructions
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

On the XXXX of XXXX some one sent me {$20.00} PayPal said that I would have to wait six working days because it was an E-Check the six working day fell on the XXXX of XXXX I still don't have my money now they want me to wait longer that's not in their policy
Consumer complaint received 2023-06-02
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. (OH)

The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times
Consumer complaint received 2022-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for Capital One Account number XXXX. This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) ( B ) and must be removed.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  XXXX   XXXX   XXXX
Consumer complaint received 2022-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TX)

I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

On or about XXXX XXXX, 2017, American Express ( " AMEX/Furnisher of Credit '' ) prematurely, inaccurately, and unlawfully furnished negative information to consumer reporting agencies pertaining to my charge account. On or before XXXX XXXX, 2017, I ( " Consumer/Card member '' ) attempted to address the substantive legal issues raised, but AMEX failed to acknowledge and/or address my concerns. Under 15 U.S. Code 1681s2 et al., the Furnisher of Credit has a duty to acknowledge and respond to a dispute. To date, I have not received a response. <P/>The negative information furnished is premature because under 1681s2 et al., AMEX failed to issue notice prior to furnishing the negative information to the consumer reporting agencies. The negative information furnished is inaccurate because based on the agreement the account was in good standing. The negative information furnished is unlawfully because the notice required under 1681s2 et al., was not provided to the consumer prior to, or within 30 days after furnishing the negative information to the consumer reporting agencies. <P/>I suffer damages and costs including but not limited to : ( 1 ) adverse and/or negative recordation of inaccurate negative information furnished to the credit reporting agencies ; ( 2 ) diminished/lower credit scores ; ( 3 ) retaliatory APR increases ; ( 4 ) retaliatory lowering of credit lines/limits ; and ( 5 ) negative encroachment on my ability to borrow. I seek the immediate removal of any and all negative and/or adverse reporting of information to the credit reporting agencies concerning this account and/or reconciliation of any and all substantive issues raised.
<P/>
I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (GA)

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

My Comenity Capital Bank XXXX XXXX credit card account : XXXX is lost/stolen and has fraudulent transactions/charges of {$730.00}. The transactions and balance of {$730.00} is all fraudulent charges and not my transactions. I filed a police report. The police report case number : HPD : XXXX.
Consumer complaint received 2022-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (GA)

Chime Bank is falsely closing your debit card after reporting a possible unidentified charge to them. For instance : I didn't recognized a charge to my account and wasn't sure if it was authorized. So, I reached out to Chime to report the charge, however during the conversation, I decided I would do research on the charge and call them back if needed. The reason being is because Chime disables your account when waiting for a new card. You are unable to use your funds unless you can transfer your money to someone with Chime. They do not overnight the card, so it takes anywhere from 5-7 days because of standard mailing. During this time you are without your funds with no access. Based on these reasons, I requested my debit card not to be closed and TO NOT DISPUTE THE CHARGE. Two hours later, I received a email stating that my card has been disable due to a dispute claim that I DID NOT FILE. Now I will not have access to my funds at ALL, this policy is illegal. I am asking that a representative look into this DISPUTE POLICY of CHIME for correction. There is many complaints of the same issue listed on the XXXX  of XXXX XXXX, however that are not a member of the XXXX. I will be changing from doing business with them but felt it was important to report this to prevent them from continuing this unfair practice. Even, if you tell them " NO '' they are still closing your debit card and keeping your money from you for several days or more.
Consumer complaint received 2022-12-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX the following accounts 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, Experian responded with dispute results for Report Number XXXX for my XXXX XXXX account. The dispute was in regards to ( 2 ) XXXX day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Experian that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Experian closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Experian.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I have a 0% APR balance transfer for the duration of a year on my account. I have been paying off each month this balance. On the month of XX/XX/XXXX I made some purchases on my car, which were posted on my most recent statement issued on XX/XX/XXXX. On that statement Discover is charging me interest for this purchases. Since the APR is 0% for a year, and this purchases were posted on this recent statement which is still not due until the XX/XX/XXXX, I should not been charged any interest. I called Discover on XX/XX/XXXX regarding this. I spoke first with an agent which could not give an explanation, and after that I spoke with a supervisor name XXXX which did not provide an legitimate answer. He claims that because I am carrying the 0% APR balance transfer, but then I made regular purchases, because I did not paid the full balance on my last statement, (which by the way, did not include the regular purchases, then I was charged interest for the most recent purchases which were posted on this statement issued on XX/XX/XXXX, not the one issued on XX/XX/XXXX. I should not be subject to any interest since the balance transfer is a different category subject to a 0% APR. This recent purchases are subject to my regular APR but were posted on this last statement which is not due yet.
Consumer complaint received 2022-05-28
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: DISCOVER BANK (DC)

In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes