davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

I had to file for XXXX XXXXXXXX Bankruptcy back in XXXX due to the housing/economic crash. Since then, I have restored my credit, it currently sits at over XXXX score and I have a credit card from pretty much every major bank/institution. The problem I have is with American Express. I have applied for several of their cards recently but they keep denying me because I included XXXX of their cards in my backruptcy, almost XXXX  years ago. At this point, I feel that I am being discriminated againt because I have sent them copies of my credit reports that reflect the discharge of the bankruptcy which is no longer in my record ( hasnt been for year ) but yet they tell me it is up to their discretion to re-issue a card.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company made multiple withdraws totaling over $ XXXX. Company claims their system is down but im unable to access funds. I made muliple requests but still my account was not fix. Therefore, I was forced to dispute the charges with capitalone. Capital one will not investigate the charge cause I sent the dispute via mail but they want phone communication. I had XXXX  XXXX so I want to communicate via mail or email but they refuse. I just want my funds back.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MO)

In XXXX my credit report started reading that my car loan from Wells Fargo was paid in full. I reached out the company to find out what was going on as I still owed around {$7000.00} on my loan. I was told that someone would get back to me, however no one ever did. I did not check back with them but continued to see on my credit report that the loan was paid in full. Sometime went by and still no communication, more than a year had passed and then my car was repossessed. I reached out immediately to Wells Fargo and they told me there was nothing I could do besides pay in full the amount still owed on the vehicle. I spoke with several different associates over the course of a week and no one was able to help me nor tell me how this happened with no communication. They confirmed that my work and home address and phone numbers were listed in their files as well as my email. With this vehicle being my only source of transportation to work and to see my kids, I had to call in to work and miss time with the kids. With no other choice, and not enough funds to pay off the loan, I filed bankruptcy. I was informed that this was a process that could possibly help me keep my vehicle. However during arbitration, Wells Fargo declared that the repossession was legitimate and kept my vehicle. After dealing with bankruptcy, being denied for car loans, home loans and spending hundreds on borrowing a car and thousands on a lawyer, years later here comes Well Fargo with a check and letter admitting that they failed to properly communicate with me before/when my loan became past due and the was no communication XXXX their behalf to me in order to retrieve the vehicle. So my life was turned upside down because a huge company, with persons in place to avoid this kind of thing, failed to properly communicate. Wells Forgo forced me into bankruptcy and I believe they are trying to cover this up by offering pennies compared to what I lost over the years dealing with this.
Consumer complaint received 2023-12-06
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. (GU)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the XXXX data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the XXXX data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the XXXX data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (TX)

XXXX XXXX, XXXX, {$860.00}, I called Receivables Performance and explained to them that XXXX had already taken out this amount from my bank. I even emailed them a copy of my bank information and they never responded back.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, TransUnion and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect XXXX XXXX
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I never applied for a XXXX XXXX XXXX credit card and never gave nobody premission to do so. I would like this removed from my transunion credit report. 



This credit card show be removed and block.
Consumer complaint received 2020-06-10
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)

I have contacted transunion and sent over documents that what their reporting is fraud and inaccurate. Ive requested the items be removed immediately as I have sent my dispute letter, FTC identify fraud report and a copy of my social security card and drivers license.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.
Consumer complaint received 2023-02-08
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: LEXISNEXIS (MD)

My name is XXXX XXXX and I'm a Consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. My personal identifying information has been improperly used to furnish negative accounts on my consumer report. My credit file has suffered severe damage due to XXXX XXXX negligence and furnishing fraudulent inaccurate accounts, with no respect to the FCRA and fdcpa. Furthermore youre reporting is inaccurate, erroneous and fraudulent accounts, and without my prior written consent or authorization. 
Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer.
Consumer complaint received 2023-10-20
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. (PR)

In accordance whit they Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have they rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumir reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-20
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX Account # 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. also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-23
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. (PR)

In accordance withthe Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage company Shellpoint XXXX has been misapplying my payments. I get paid once a month on the last working day, therefore I pay my mortgage early. I spoke to a lady named XXXX on XX/XX/XXXX and she advised they were misapplying my payments. I have tried to rectify this however they hang up on me, transfer me or supervisors and managers promis to call me back. Supervisor XXXX was supposed to call back on XX/XX/XXXX but did not. It was then escalated to manager XXXX on XX/XX/XXXX. She said she would review the account and call within 24 hours. That did not happen either. Meanwhile, my account is getting further and further behind while they do nothing. Because of this I've spoken to my attorney about giving my house up because I can not deal with this company. However the payments I have paid I still want them applied correctly. I asked if I could speak to someone over Manager XXXX but supervisor XXXX didn't seem to know who that was.
Consumer complaint received 2023-02-08
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. (TX)

Misuse of my credit report. 
15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Hello, My name is XXXX XXXX and I lost my house in XXXX. 

I tried many ways and many times to get help with Wells Fargo who I had the mortgage loan through. 

Wells Fargo denied : loan modification, loan forbearance and did not give me any options to keep my house.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 

IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PR)

During the month of XXXX, I made a credit application to the Chase Sapphire card, which was denied at that time because they could not validate my identity. Documents were sent for the validation process such as : PR Government ID, passport, and social security card. These documents were sent multiple times via a link I received via email. I had to make several calls to Chase 's security department until they were able to validate the documents and approved my application. In XXXX, I received the credit card. I tried to activate it through the website, but I could not. I contact the service department for assistance, when they ask me the security questions and I answer them, they tell me that they need to ask me questions related to the credit because they could not validate the identity. After answering all the questions, they told me that they can not give me any information about my account because they can not validate my identity. I asked to speak with the supervisor, after explaining to her, she told me that she can not give me information because I did not answer the security questions correctly according to them. I explained that I had problems with the application, and I sent my documents. After they were evaluated by the fraud department, they validated my identity and approved my application. I tried to tell the supervisor that I could send these documents back to her so she could help me, but she explained that it was not possible. My only solution was to stop by one of their branches with my ID so that a representative could validate my identity. I explain to her that I live in XXXX XXXX and there are no Chase branches here, that I need an alternative to resolve the situation and activate the card. He explains that this is my only alternative, so I decide to end the call. I received a bill for {$90.00} which is the annual fee, plus a late fee and an adverse credit mark for a payment not issued when Chase did not allow me to activate the card and as a result, I do not have access to the approved credit. My request is to cancel the credit card, remove the late fees and adverse credit mark because I feel discriminated against for not having the facility to go to one of your branches since there are no Chase branches where I live.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

ChexSystems decided to exempt themselves from the federal law and just refuses to give me my Chex system report in accordance with the federal law.