davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Florida Recovery Credit Services Corp (TX)

I was contacted by a company providing loans i did not pay much attention and My secretary unfortunately filled out the loan request form at this website where they asked for last 4 digits of my SSN, surely they are scammers. 

XXXX XXXX XXXX, What do I need to do to protect myself? 

Thanks XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX  : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX CC XXXX XXXX XXXX  : Re : XXXX XXXX XXXXXXXX XXXX XXXX solar project Hello Mr. XXXX My name is XXXX XXXX XXXX I represent a group of lenders in the XXXX, we can finance your Energy Projects, you just need to fill out the application form in the following site : XXXX XXXX XXXX, once that you have completed and submitted the  application form, please confirm it to me, with this action we start the loan approval process, the board of directors will review your project and after that, they proceed to issue a pre-approval letter, this letter contains the terms for the loan and you have to review the terms and if you agree then you sign the pre-approval letter and send it to me with some documents ( Proof of Identity -International passport or diver 's license of the borrower or scan copy of company license-, Utility Bill Receipt/Tax Return Receipt and Three Months recent Bank Statement ), with this information the lender proceeds with the due diligence process and after the lender approves your loan then he issues an approval letter, and when you receive it you have to sign it and send it to me and also you have to pay the security deposit as well as provide your account number where will be transferred the funds, with this information the lender issues the loan agreement that also has to be signed by you and after that, they proceed with the funds disbursement to your account. 

For the security deposit is used an escrow account where the owner is not the lender, the owner is an escrow agent, this escrow agent is an entity that holds the property in trust for third parties while a transaction is finalized. The role of the escrow agent is made by an attorney ( notary ). The escrow agent has a fiduciary responsibility to both parties of the escrow agreement. 

I am attaching an example of the Endorsed Irrevocable Bank Closing Undertaking where this document is establishing that if you do not receive into your bank account in the next following 48 hours after the confirmation of your deposit payment of {$100.00} KUSD the escrow agent will refund the {$100.00} KUSD to your account, please review it ( I only have erased the information of the customer due to this is a confidential information ). 

Please let me know if you have any questions Best regards XXXX XXXX
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE (GA)

On XXXX XXXX, 2020, I purchased a money order sent to my merchant. Was notified that the money was not valid. Contacted the company the automated system told me that the money wasn't accepted because of, an error with the numbers on the money order. When i spoke with a customer service agent I was told that it was good, my merchant told me that western union put a stop hold on it. This has caused me to get highly upset, I keep my bills paid up, on time or before. I don't deserve this from a company that is suppose to honor their product. I should not have to pay for a return because of a error on their end. Really poor business practice, will not never purchase another money order from this company. The company is Western Union.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2023-02-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  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 XXXX 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 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I settled my old capital one auto loan account starting with XXXX on XXXX XXXX, 2021. They then reported my credit delinquent on XXXX 2021 in error. Account was settled in full, and they took a long time for this to reflect in the system causing my credit to be marked as delinquent in error.
Consumer complaint received 2023-02-06
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. (NC)

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 2023-06-09
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. (FL)

Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-02-19
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 (MT)

I have an American Express Delta Skymiles credit card and have had it for a number of years. One benefit of the card is you receive a companion certificate each year when you pay the annual fee, which is currently {$550.00}. The companion certificate allows the cardholder to book a flight and use the companion certificate to pay for a companion fare ( excluding taxes ). Prior to the pandemic, I was able to use my companion certificate each year, without issue. Since the pandemic, I've not been able to use the certificate because any trip I try to book with it does not meet the terms and conditions of the benefit. I have called Delta numerous times to find a solution and they consistently tell me that the flight dates do not meet the terms and there are no companion fares available for the flight ( s ) I want. On XX/XX/2023, I called Delta twice to get answers as to why I couldn't use the companion certificate and was told I needed to check different dates and/or destinations to see if I could find an available flight. One Delta representative told me she knows there are issues with this product and Delta is working with American Express to improve the experience, but she didn't know any of the details. Also on XX/XX/2023, I called American Express to complain about the lack of benefit I keep paying for and they can not supply answers to me. American Express conveniently blames Delta Airlines for the lack of benefit and Delta 's excuse is that there are limited flights. American Express is not taking ownership of the problem and does not provide solutions. 

I believe this card benefit is a scam. The annual fee for this benefit continues to go up each year and each year I'm unable to utilize the full benefit because of the restrictions on the companion certificate.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-03-15
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 Alliance Financial, LLC (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (FL)

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 rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX are recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Capital One, being a financial institution, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Capital One nor the consumer reporting agencies ( XXXX, XXXX, and XXXX ) have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Capital One failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies.
Consumer complaint received 2023-05-26
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has been violated. My federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Address : 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 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-12-28
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. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage bought our loan at refinancing years ago. 
They did not include my name, only my husband 's as the borrower even thought everything was always joint. My name is listed as a " friend ''. 

My husband passed away XXXX 2021. I tried to refinance at a lower interest rate through my bank. They were unable to help saying his estate needed to go to probate. 
I went to Probate Court, was given Letter Testamentry and named Executor of his estate. 
I provided Probate letters, COD and his will to Freedom Mortgage to have my name listed as borrower. Freedom Mortgage refused to speak to me as I was not listed on the loan, they know he passed away. I have made aproximately 20 phone calls and 15-20 emails to them trying to get situation straightened out. I have even received letters telling me they reviewed my request and are unable to assist they will only speak to borrower listed on account. I got nowhere with them. 
I contacted the VA, I received a response from them that I needed to tell Freedom to do an unrestricted transfer. I emailed that reply to Freedom, they have never said anything about unrestricted transfer, only they will not speak or help me even though they know they can not speak to my husband. 
I am at my wits end. They refuse to listen or assist. 
What happens to the loan if I am not listed? 
Am I liable for the mortgage since I am not listed? 
The monthly payment is automatically deducted from my account. 
Clearly I need assistance and hope you are able to get this matter taken care of once and for all. 

I appreciate your assistance. Thank you very much.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This complaint is about Wells Fargo and a previous mortgage I had with them and how they took advantage of me and the situation. I was lied to. Told to default on my mortgage so they could blast me with fees to keep my house or otherwise they would take it from me.
Consumer complaint received 2023-01-22
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. (PA)

Dear TransUnion, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX delete the following inaccurate employers : XXXX  Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (PA)

I received a notice from On Line Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX reference # XXXX for a collection on behalf of " XXXX XXXX '' in the amount of {$480.00}. I notified the collection company that the debt was NOT mine, as I have never had an account with XXXX XXXX. They claim to have verified that the account is mine, and sent a copy of a bill addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never lived at the address. In fact, the date of the debt is XXXX -- I have lived in XXXX from XX/XX/XXXX to now. Prior to that, I lived in XXXX. They have not done due diligence to verify it is me. There must be a million " XXXX XXXX. ''