davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

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 2023-02-25
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: Experian Information Solutions Inc. (GA)

This account does not belong to me and is fraud. I have included the identity theft report. You can also see this account was also removed from my XXXX and XXXX report as it was removed. Please delete it. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX auto loan, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Consumer complaint received 2023-02-25
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: Bread Financial Holdings, Inc. (AL)

In accordance with the FAIR CREDIT REPORTING ACT this creditor 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 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 a late for any purpose.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

0N XX/XX/XXXX I Aplied for a refinance conventional mortgage With Quicken loans AKA : Rocket mortgage. I was asigned loan officer XXXX XXXX after submiting several common documents and information .Quicken mortgage engaged in a patern of actions That I later learned is referred to as ( Red lining discrimination ). In violation of the Law QUICKEN mortgage conspired to create several dificulties to make my aplication procces as long and deceiving as possible. by using information that I did not provided about my employer instead Quicken used a wrong XXXX search and used a wrong employer in my aplication instead of using the pay reccords and failed to fix the error several times when told about it. They took about 28 days from my aplication date to asign a loan officer to my case, They took abaut 60 days and demanded repairs to the property as a condition for the loan, they had several unreasonable request for documentation and after I complied with. they keep requesting the same documents and conspired to avoid the closing of the loan in XXXX ocasions. closing was squedule for mondays and they requested documents by the weekend despite those request being previoulsy completed. During the procesing of my Aplication they used many diferent employees that used my procces for training and created a lot of confusion since each one of them was not a loan officer and poorly trained .Once againg I accused Quicken loans of cherry picking aplicants and engage en discriminatory practices and using delays and dirty bussiness practices to ensure that minorities or undesired geographic locations fail to get a mortgage .In my case they requested documents that were already provided and did it during the weekend .They sended to my employer XXXX XXXX an employment verification form and my employer filed and returned to them by fax and email on XX/XX/XXXX they acknowledge receiving it but a few days later near closing date they stated that they have been unable to contact my employer which was a complete lie. every efford made by my employer was useles because their several reps keep falsely stating that the procces was never done .After 3 moths I once againg provide them with last paystuff. those paystuff showed a lower pay rate than the previous one .on XX/XX/XXXX we discused options to adress the diference by using cash reserves, reducing the amount of the loan and using a co signer .I was promised a couse of actions to solve my complaints and to solve the diference in income. 
on XX/XX/XXXX I was called by Quicken rep who stated that they would not procced with the loan and they are not interested on a co signer neither a lower loan neither in the cash reserves option that they one to part ways. I stated that that was a violation ot the ECOA But he stated that it wasfor another department to handle.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 : Account # 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, 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
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NJ)

american express has tried contacting me after the debt has been written off all 3 ber.  The collection dept for amex called me and yelling at me on phone.  I have contacted them saying any communications are to be sent mail.  That the credit companies have agreed that it was fraud and removed from my credit yet they still call me daily and continue to call me continuous.  They try to call daily after was told not to and reported.
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

COMPANY - ACE CASH EXPRESS RECEIVE THREATING PHONE CALL A WEEK LATER AFTER RECEIVING MY LOAN ONLY GAVE 11 DAYS TO MAKE 1ST PAYMENT INSTEAD OF 30 DAYS THAT IS REQUIRE BY LAW Illegal Debt Collection Threats and Harassment PUSHED INTO A CYCLE OF DEBT Threatening to charge extra fees and report consumers to credit reporting agencies
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES 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 PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 I requested and applied for a pre qualification for a mortgage for a second home from Bank of America. The agent XXXX   XXXX  out of XXXX, NC sent me the electronic application, which I completed and she called me a XXXX. She stated that in order to qualify for a 10% down payment I would need to have a 740+ credit score. My 3 scores at that time were XXXX, XXXX  and XXXX. My BOA app states an XXXX   score. She stated she would call me on Friday XX/XX/19. I heard nothing until late on Monday, when I was informed that I did not qualify for 10% down because my score was less than 740. I have since had multiple phone calls and emails with the representative, who stated she would call me on a conference call with her supervisor on XX/XX/19. On XX/XX/19 I sent copies of all 3 of my credit reports to the representative. I pulled them myself to avoid additional inquiries on my report. On XX/XX/XXXX I received an email stating the she was sick and would not be able to call me. On XX/XX/XXXX I sent an email to the representative stating that I was still waiting. On XX/XX/XXXX I received an email stating that her manager had requested that she send him "an additional piece of info from the company they order reports from" I have had no contact or response since then.I fear that if I allow them to re pull my report, they will pull the correct scores and attribute this to a computer malfunction. I do not have the pre qualification to date, and I have no answer as to how their system pulled an erroneous score. On this loan alone, BOA would stand to make considerable amounts more by charging an interest rate based on a lower than actual score. Please assist in making sure that this is not intentionally being done by BOA to increase revenues. Thank you for your assistance and consumer protection. I fear that this is much bigger than just one mortgage. Sincerely, XXXX XXXX XXXX XXXX  XXXX  XXXX, NC XXXX  XXXX-XXXX-XXXX  XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (WI)

I had a CD for 5 years with Synchrony. I renewed it for another 5 years. Last XXXX they started to take out Federal with-holding. I was given conflicting info from the bank about how to return their signature card. I followed their instruction, which were incorrect. I pay my own estimated taxes quarterly, so I do not want Synchrony to take out W-H . I contacted Synchrony more than 6 times to stop this. On XXXX, XXXX, Synchrony employee number XXXX told me the W-H would stop. It didn't. On XXXX XXXX XXXX in their IRA Dept. said the W-H would stop. It didn't. On XXXX XXXX XXXX and XXXX XXXX said the W-H would stop. It didn't. I noticed on XXXX Synchrony with-held another {$280.00}, unauthorized by me. On XXXX XXXX XXXX checked with her manager ( XXXX XXXX at their Escalation Help Desk ) ( I was on the phone again with Synchrony for nearly one hour this time, several hours total time ). I was informed the W-H would stop. This remains to be seen. I can tell you after more than 6 years as a Synchrony CD holder I live off of the interest and pay quarterly estimated taxes. I am XXXX and live on a limited budget. It is very plain to me that Synchrony doesn't give two hoots about their customers.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

My account had activity that was fraudulent. I reported the activity and even stated that I did not make those transactions. Claim was processed and approved but there was still a hold on my account. My question is instead of keeping a relationship with your customers why do you guys close accounts when it has nothing to do with us that fraud has occurred. If they investigate and see that it was fraud why close someones account and then I need the money. I wouldnt file a claim if I didnt need the money. I live a normal life. They let the folks withdrawal the fake check and take my money but wont let me even use the funds that was credited back. Thats backwards. Like why have a fraud team if the goal isnt to help keep customers.
Consumer complaint received 2024-01-28
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. (TX)

Fair Credit Reporting Act, Section 609 XX/XX/XXXXXX/XX/year> Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the account with the original contract, the information should be removed from my credit report within 30 days MAX.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (SC)

XX/XX/2022, notified Regional Finance Company by mail with return receipt requested # XXXX. Debt was remedied by a XXXX and all documents were Notarized. I also sent a Conditional Acceptance Letter Value for proof of claim, a Letter to the Creditor, and a Remittance letter. After repeated calls harassing me for another payment I forwarded it to the Corporate Office CEO and added Cease and Desist letter informing the debtor that I was aware of the debt being " Paid from my XXXX XXXX Trust '' while I paid it again with a XXXX which was also included in in the documents. I am receiving phone calls daily repeatedly and mail requesting payment approximately once a week. This is harassing.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- 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  You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

XX/XX/2019 online form transmissionTo whom it may concern at the Consumer Financial Protection BureauOn XX/XX/2019, I sent $XXXX via PayPal to XXXX XXXX but PayPal took my money and still has not given it to XXXX and even after my asking for it back, PayPal would not give it back, even after multiple phone calls made by me to them. They infer that they can hand on to the money as long as they like it since they deem it to be a 'suspicious' transfer. That is theft in my mind, holding on to my money because they consider it to be suspicious. If it's so suspicious, they should just send my money back. I suspect they are punishing me for selecting the option of 'sending money to friends and family' instead of selecting the option of it being a business payment. That is not a crime. It's a choice since XXXX is also a friend of mine who pays his own taxes and is responsible for this income and any taxes owed from it, if any. But this is a lame excuse for withholding money.They insisted that I give them the date of birth of someone named XXXX XXXX since the name 'XXXX XXXX' was typed in the notes area of my transfer. XXXX XXXX was not involved with this transfer and he is a third party so there is no legal reason why PayPal has to ask for his date of birth. XXXX is merely a book author I promote and I use subcontractors to help promote him. XXXX XXXX   is one such subcontractor.Please have PayPal either give the money to XXXX or refund it back to me. Let them know that they have no legal right to require an unrelated 3rd party to provide their date of birth. This makes me look bad in the eyes of my book author and my contractor. PayPal has harmed my relationships and repubtation. Thank you for helping remedy this injustice.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  , NC XXXX
Consumer complaint received 2019-12-02
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. (NV)

I sent my documentation to Transunion and they are telling my information is " Verified '' but they have not provided any proof by way of documentation to show this my actual debt.