davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (NM)

My home was originally financed by XXXX. As best as I can make out, they sold it to XXXX. 
I was instructed, when this happened to submit my payments, online, on their website. 
I set up an account several years ago, and have been doing this, on time, and often with double payments. 
On XX/XX/XXXX, I logged in and submitted my payment, to be drafted from my bank, as I always have. I checked after submitting, and their records stated they had received my payment. 
I then went online on XX/XX/XXXX and made my monthly payment. 
I checked after submitting, and their records stated they had received my payment from my bank. 
A few week 's ago, I received a letter stating I had not made my payment in two months and was in danger of foreclosure.

After seven calls to XXXX, showing them where I had made my payments, they claimed to never have received it. So, I went to my bank to verify. My bank reported that XXXX had never submitted my request. 
I performed a direct pay from my bank account to XXXX in approximately the amount of XXXX. I then called XXXX again, checked my account, and it showed the money in the account on XXXX 's site. 
XXXX continued to say I had not made my payments, while the money was visibly in the account for all to see. 
After several phone calls, they finally applied the money to my mortgage. 
Two days later I received a letter saying XXXX had received two insufficient funds notices from my bank and that I was in danger of forclosure. They also said, going forward, I could only submit my payment via certified check or money order through conventional mail, that I was locked out of my account for XXXX months, until I could " prove my reliablity. '' I called my bank. My bank said that was not true, that XXXX never submitted my request. 
When calling XXXX, the XXXX states they recently were the victims of a XXXX  XXXX. 
When I bring this up to them, and tell them, I have done nothing wrong, they do not acknowledge their mistakes, and are endangering my home. I am feeling incredibly stressed, frightened, and terrified that they are going to try to take my home, and there is nothing I can do about it. 
My account is currently paid up. My next payment is due on the first, and as noted, I must go to the bank and get a money order, and physically mail my payment to them. 
From the very start, XXXX has had a very unreliable web site. Its behavior is very unpredictable. 
They simply will not acknowledge their company 's mistakes, and are victimizing, then blaming the victim for their failure. 
I am at a loss. I don't know where else to turn. I deeply need your assistance. 

Many Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: JPMORGAN CHASE & CO. (WI)

XX/XX/2024 : I received an auto loan application denial letter from Chase which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/2024 : I received a 'Welcome ' letter from Chase which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/2024 : I received a letter from Chase which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/2024 : I received a letter from Chase which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained XXXX credit reports in addition to XXXX XXXX XXXX XXXX XXXX XXXX and see Chase has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of Chase security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my Treasury Direct Acct, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.
Consumer complaint received 2023-01-05
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. (AZ)

I have contacted XXXX, experian and XXXX about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-05
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. (PA)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Accounts : 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 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 Notice, it is a fact, and affiant is aware that under 15 USC 1692 ( j ) ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

An FTC Report was filed # XXXX I was unable to print and attach.
Consumer complaint received 2023-03-05
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: WELLS FARGO & COMPANY (CA)

I am writing to follow up compliant on my previous complaint against Wells Fargo regarding the violation of my rights under the Fair Credit Reporting Act. In response to my initial complaint, Wells Fargo provided a response that did not adequately address my concerns, and their subsequent actions have continued to violate my rights as a consumer. 

As I previously stated, Wells Fargo has violated my rights under the Fair Credit Reporting Act. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Despite these clear violations, Wells Fargo has continued to report inaccurate and derogatory information on my credit report. In their response to my complaint, they confirmed that they are accurately reporting the account as " Closed ; {$0.00} Balance, '' with the last date of activity being the last payment of {$480.00} made on XX/XX/2019. However, they failed to address the fact that they are still violating my rights as a consumer. 

Furthermore, Wells Fargo 's response to my complaint was condescending and unprofessional. They stated that they are " unable to honor the request to delete or update the reporting to reflect a more favorable account history, '' which implies that I am requesting something unreasonable or unfounded. On top of this, they made derogatory updates to my account further damaging my credit. This tone is unacceptable and only adds insult to injury after further damaging my credit. 

I demand that Wells Fargo immediately remove any inaccurate or derogatory information about this account from my credit report. They must also provide a written explanation of how they plan to ensure that they comply with the Fair Credit Reporting Act in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-04
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2024-03-14
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. (NV)

I have asked repeatedly that an account by the name of " XXXXXXXX XXXX '' which has been sold to " XXXX XXXXXXXX XXXX XXXX '' which now has a balance of XXXX is showing on my credit report. I have advised Transition this account does not belong to me and it was noted based on communication from transition that this account has been " blocked '' or deleted from my credit report however I am still seeing this account showing on my credit report as of XX/XX/year>. Again I ask that this account which does not belong to me is removed from my credit report. This inaccurate reporting has hindered me from being able to obtain credit. Previously I have uploaded a police report and ID theft report I am hoping you all still have that for your record. 

Here is the response below from a previous complaint " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a TransUnion affidavit for you to complete and return. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : ''
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

Hello, 1 ) On XX/XX/2024, I booked a car rental from XXXX  via American Express Travel, web platform. The booking was confirmed for {$340.00}. 

2 ) On XX/XX/2024, I arrived at XXXX at XXXX Airport and was told they would not honor the car rental, as it was booked showing " XXXX '' residency and I do not have XXXX residency- I am a US Resident with a US driver 's license 3 ) We did not make a reservation for a XXXX residency. In reviewing the current Amex Travel platform, the Website does not ask what your residency is. In reviewing the current Amex Travel platform, my profile shows that I am an American resident, with an American address and telephone number 4 ) Upon contacting American Express customer service, I was informed via a Chat that they could not remedy the issue. They informed me the Web Platform identified me as being in XXXX when I made the booking. They confirmed the standard process was to seek reimbursement after the fact. 

5 ) I reiterate that I was not in XXXX. I was at my home in XXXXXXXX Massachusetts. 

6 ) Upon Amex Travel confirming they could not remedy my situation, I cancelled the reservation and booked a new reservation at a cost of {$740.00}. This represents an increased cost of {$400.00}. 

7 ) In the afternoon of XX/XX/2024, I received a call from American Express Compliance. They repeatedly told me that I was not eligible for compensation and that I had agreed to " Terms and conditions ''. I politely asked them to explain which terms & conditions specifically prescribed that I was not entitled to compensation. I asked them to explain if I had made an error while booking or what error caused me to be at fault. 

8 ) After my third time asking for clarification, the representative concluded by saying " We have reviewed the case and you are not entitled to compensation. '' She then hung up on me. 

9 ) Me and my wife called Amex Customer Support, where they reiterated the same talking points. They were not able to explain if the error was because we did not remedy the issue via Amex Travel, or if the error was that we somehow missed something that said " XXXX '' when making the booking. This is despite the fact that an earlier customer service agent admitted fault on behalf of American Express. 

We do not view the response from Amex as acceptable. We are out of pocket {$400.00}. The delay was costly, as I was unable to attend a work meeting. Further, the company has not provided sufficient communication as to why we are in the wrong. 

It is worth noting, that on the Sunday prior to the trip I saw an email from XXXX that was in XXXX. 

I was confused, and called their support number at XXXX. The phone call began at XXXX EST and lasted 6 minutes. 

During the call, I confirmed that the email I received in XXXX would not negatively impact my ability to pick up my reserved car. 

Both companies have failed here and both should improve their controls & processes. 




Travel Confirmation # - XXXX
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (PA)

I paid off my credit card in XXXX and even LITERALLY chopped their card in half and at my expense sent it back to XXXX in Delaware. The rate 33 % and they just charged me {$100.00} for new years- my resolution is/was to close so i scrimped and saved and paid IT OFF. Then last night i get an email stating my card was used. 
I called FOUR TIMES and the third and final call on XXXX i was put on hold for over ten minutes. They maybe realized that i have no card so saying i used it is an impossibility. I called and did my due diligence yet they continue this chirade. 
i spoke with XXXX XXXX XXXX XXXX and a supervisor i did not write the name down however i have taken a screen shot of all my lost time over THEIR NEGLIGENCE!
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

On XX/XX/2019 I applied for a credit card account wth CITi Bank for a Citi Double Cash MasterCard and was denied for the reason of having to many credit inquires on my XXXX  credit report. I received a copy of my credit report and I feel like I am being discriminated against by CITI Bank. I would like to know what is their guidelines for the amount of credit inquires because I only have 3 on my XXXX report and 1 of them is CITI bank. The application # XXXX. I think this is poor banking practices and would like specifics on their credit approval process. I will be filing other complaints to other agencies because this is unfair
Consumer complaint received 2023-03-03
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. (PA)

I HAVE THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-03-04
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. (LA)

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

Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : 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.