davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My credit card advertises price protection for eligible purchases. I purchased a pair of sunglasses from XXXX and then found a lower price at a couple different online sites. I submitted a claim for the benefit and was denied because the adjuster said the lower priced ad and the purchased item were not the same. This was because the lower priced ad showed the sunglasses model number but my receipt showed the model name. I called customer service and explained they were indeed the same. Customer service and instructed me what I needed to do to dispute the denial. We mutually discussed what I needed to do that was sufficient to prove the items were the same ( its also quite obvious they are the same ). I followed the instructions and disputed this and showed evidence multiple ways that they were the same item. Additionally, I added another lower priced ad from XXXX that showed the name/model number/model name because if for no other reason, it was another lower priced ad that could substitute for the original lower priced ad.The claim was denied for the same reason and because I was told the protection only extended 60 days. First off, thats false according to the terms and conditions, secondly it hasnt even been 60 days. Customer service says I have no other recourse. 

This is very clearly an attempt to avoid paying a valid claim under an advertised benefit. Not only is it dishonest, it is deceptive and unfair. Had I known Mastercard would act in bad faith then I would never have used the credit card.
Consumer complaint received 2024-02-21
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. (NC)

Dates of XXXX. XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX. 15 USC 1602 ( I ) I tried applying credit and got denied for my own credit and XXXX Bank accepted my ss # and used my credit application for credit account still didnt get it but company reported to EXPERIAN usage of a XXXX XXXX my credit wanted all XXXX XXXX XXXX removed made dispute them EXPERIAN and XXXX bank they told me to call them back when get file back XXXX  I want them to be liable for information and infringement on my credit And I want XXXX XXXXXXXX and XXXX XXXX held Fair Credit Reporting Act ( FCRA ) and Equal credit Opportunity Act ( ECOA ) just want removal from off from credit
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Fraudulent inquiries was made without my permission I did not authorize these inquiries and need them removed immediately from my credit profile. 

Experian XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC (FL)

The XXXX XXXX and its Manager XXXX XXXX reported false statements to the 3 Bureau Credit Agencies XXXX, XXXX and XXXX claiming the amount of {$3600.00} for breaking an apartment lease contract. In reality both parties were well informed in writing the non renewal of the lease and the reasons why we forced to move out of the unit on XX/XX/2021 before lease expiration XXXX XX/XX/2021.
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Consumer complaint received 2024-03-14
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. (NC)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-01-03
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)

My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.
Consumer complaint received 2022-01-03
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. (GA)

I have been dealing with an ongoing stubborn account, XXXX. XXXX XXXX. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.
Consumer complaint received 2022-01-03
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. (MD)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft report
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
I have tried to resolve this matter with the bureau and the companies, but was not successful.
Consumer complaint received 2022-01-03
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. (AL)

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, XXXX, and Transunion all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

Was bank used by social security to work with funds security, Funds are not being able to be with drawn. Co merica is supposed to be care taker for dispersing my social secuiry funds. This bank is not partaking in this dispute process. Not listing with this disputing agency. 
This bank uses Comerica to issue funds
Consumer complaint received 2022-01-03
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. (PA)

I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

please delete all the inaccurate hard inquires listed 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 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 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (FL)

I applied for a car loan on XX/XX/XXXX. I was denied credit because of my score, My income was great. I sent a letter to the ceo saying " The purpose of this letter is to inform you of what your business is doing is in correct. An error has been made on record and I'm responding to help you fix it. I, XXXX XXXX XXXX, Living person beneficiary to cestui que trust XXXX XXXX XXXX, applied for credit on XX/XX/XXXX. The vehicles XXXX XXXX is XXXX. I was denied. The car referenced is {$82000.00}. Im not trying to sue nor arbitrate your business. 
I have full faith and credit & I have rights to extend as much credit as I choose to give your business. An application was submitted with your business. I gave you credit after the application was submitted. Your company are Trustees in a fiduciary obligation. Your business is to fulfill their duties in the Trust. If your business not then fulfil their duties then a crime is committed by your company. This trust fraud. The law in which I am quoting is 15 U.S. Code 1.

In the truth in lending act 15 U.S Code 1605 & 15 U.S Code 1662 there is no cash is involved in a credit transaction. No down payment is required in connection with any extension of consumer credit. 
Fix this issue immediately as I am at risk of losing the desired vehicle. '' I am demanding wells fargo to open up my open end credit plan for the {$82000.00}!
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

US Bank responded on XX/XX/2019 that : 1 ) On XX/XX/2019 US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. This is my prior address and since I am notified 10 days after mailing, the Cashier 's Check will be returned to US Bank. US Banks XX/XX/2019 letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB '', I request the Cashier 's Check be picked up at an XXXX XXXX, IL location, and 2 )  outstanding is XXXX XXXX {$140.00}.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-01-03
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: The Receivable Management Services LLC (GA)

Receivable MGMT does not have a contract with myself. The FCRA requires a written contract. Receivable MGMT has not provided verification. Only a final bill that is not itemized nor does it reflect the actual account holder. I was not given an opportunity to dispute, because I do not live at that address. 

By law, receivable MGMT is required to remove any negative reporting while they investigate, the are not legally able to keep any inaccurate information on my report while they try and find validation. They should have this documentation already if they intend to collect. 
This account was protected under the CARES act and was communicated to the original debt holder which is NOT Progressive. I plan to follow up with the State Attoney Generals office
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (CA)

Experian violated 15 USC 1692g of theFair Reporting Act They were to notify me in writing 5 Days prior to reinserting data regarding Account # XXXXXXXX XXXX back on my report and I was not notified. Also it's been well pass the 30 Days so they need to delete this account. XXXX and XXXX deleted the account already.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (NC)

Dealing with PNC bank on hardship application -- documents say that loan will not be referred for foreclosure while there's an application for hardship assistance in review ( within 120 days delinquent ) -- completed application submitted ( XXXX ), request made for additional infromation ( submitted XXXX ), loan referred for foreclosure in XXXX ( in spite of completed application ). Received trial modification that wanted to extend loan by 40 years, called to explain that this was not in my best interest and ask for additional options to which I was told there were no other options and referred me to foreclosure attorney for reinstatement amount. Foreclosure attorney said they had to get that information from PNC and then add their fees. I'm disputing that there would even be any additional fees as this should never have been referred for foreclosure in the first place. Still awaiting reinstatement quote which PNC says they will not provide to me directly. Can't get the amount that needs to be paid to resolve this matter. Date to " accept '' modification is approaching and I don't want to decline until I know and have paid the amount due for reinstatement but feel they are dragging their feet to draw out the process to force me into either the plan or official default. Have called and/or emailed every day. Do not get any responses from my assigned XXXX.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC (CT)

To Whom It XXXX Concern, Company : JHPDE FINANCE I , LLC Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per 15 U.S. Code 1692f - Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than XXXX days unless such person is notified in writing of the debt XXXX intent to deposit such check or instrument not more than XXXX nor less than XXXX business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt XXXX address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2022-01-03
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. (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau but to my surprise, I did not receive anything back as a response. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : 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 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