davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX CRA : AMEX CRA ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX , was denied an extension of credit by American Express XXXX On XX/XX/XXXX, I applied for XXXX XXXX XXXX. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX XXXX XXXX Without XXXX, all natural inalienable rights reserved.
Consumer complaint received 2023-05-12
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: I.C. System, Inc. (LA)

my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (DE)

I was called by XXXX I received the following voicemail : Federal law designates this matter as a confidential notice for XxxxxxX if this is not XxxxxxxxX please hang up now if this is XxxxxxxX hello unfortunately we received notice on your file it is now XXXX, XX/XX/XXXX and your file has reached our office due to your failure to respond we do need to know was done intentionally or was an oversight I suggest you communicate we are open until XXXX PM today the phone number is XXXX we are asked to see if voluntary communication XXXX I apologize for the aggravation but again we only did just receive this notice to pay online go to www.directrecoveryservices.com and click on the pay now week your account number is XxxxxxxX I went to the website and put in my information. It did not work. I called the above number XXXX. A woman answered, identified my name, asked for my address, and said that I owe XXXX {$270.00}. I told her that I am certain I paid off my XXXX account and I dont see it on my credit report either. I told her I will double check and call back later. She laughed at me and said, Later? ( XXXX ) No, this needs to be handled NOW. I proceeded to tell her to XXXX XXXX XXXX and hung up.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hello. On XX/XX/2024 : Transunion reported a collection debt from XXXX XXXX onto my credit file that does not belong to me. Also, I filed a identitytheft.gov report on the said collection company & has disputed this false reporting 3 different times with Transunion. I was told that collection was valid. This is not my collection & I Have no knowledge of this acct. Identity theft report number is XXXX. I am still currently awaiting my 4th dispute with Transunion false report from this creditor. This inaccuracy has cause my credit score to decrease over XXXX points.
Consumer complaint received 2022-02-01
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. (TX)

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (AL)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account 1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I was a victim of the XXXX scam and Wells Fargo is telling me they will not be returning my money. I was scammed {$1000.00} from one account and {$10000.00} from another for a total of 11,000. The scammer called from the customer service number of the bank which I have a screen shot of and stated if I didn't enter the codes provided that a scammer was going to get my money. 
I first got a text asking if I approved a transfer and then I got a call from the banks customer service number so I believed I was talking to the banks fraud dept but in fact it was a scam. By the time I felt uncomfortable they had taken my funds.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (TX)

XX/XX/XXXX I wrote a {$2500.00} check from my Comerica account. 
XX/XX/XXXX the {$2500.00} check was deposited, via mobile deposit at XXXXXXXX XXXX The check was debited from my account twice ( {$2500.00} x2 = {$5000.00} ) for the same check. 
XXXX  I reconciled my account using my bank statement. My bank, Comerica, showed the check being debited with two different check number, one was the correct check, the other was a check that was written two years prior. 

I contacted Comerica, filed an investigation and Comerica told me to talk to the person I wrote the check to and get the money from them. I spoke to the person I wrote the check to and the money was taken out of their XXXX account on XXXX 

XX/XX/XXXX After dozens of calls to Comerica customer service and my branch, I went into the Comerica branch near my house. They said they were aware of the situation but said they would get back to me ( I have heard this for 5 months now ). I told Comerica I was filing a complaint througha third party consumer advocacy group. I am requesting reimbursement of the {$2500.00} along with compensation for no access to my funds for one year.
Consumer complaint received 2023-03-07
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: MOHELA (NJ)

In accordance with the fair credit Reporting act XXXX, my rights have beem violated 15 USC 168 Section 602 states that I have the right to privacy 15 USC 1681 604A Section 2 : It states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account number an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CA)

I was told incorrect information from this company who stated that they were a government program & would help me to pay off my debts. They are not a government company. They took all my money I had put into an escrow account & refused to give it back to me when I realized their scam would have me paying not only my debtors but them a huge percentage ( 25 % ) of the TOTAL original amount! They withheld all my accumulated funds I had been sending in over the course of almost 2 years! They however paid themselves over XXXX! and not one debtor got paid XXXX cent! They refused to return any part of my escrow funds to me. Now I still owe my creditors and in addition have paid thousands of dollars to this company as well and for what?? This company promised to help me get out of debt but instead has put me deeper into debt!
Consumer complaint received 2023-07-17
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also PACER advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.
Consumer complaint received 2023-07-17
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. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX i sent ceryified letters to all XXXX  credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent XXXX more certified letters to all XXXX  credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (AL)

I have previously disputed this charge several other times.SEE other complaints by me regarding this issue. 

1. The correct amount is NOT {$790.00}, it is {$370.00}. See exhibit # 1 & 2. This is the bill for the physicians part of service and description of what this charge is. Note the physicians name and description in middle of page, note date of service etc. 

2. This charge already appeared on a XXXX, XXXX, XXXX, XXXX credit reports.On the first three I got it removed via previous cfpb complaints except for XXXX. See exhibit # 2. I did not owe this and this is not my debt because I had filed for indigency which was approved for both the er visit and the physician part. See exhibit # 3. It is illegal for this charge to reappear after it has already appeared on a credit report. 
****see cfpb complaints XXXX & XXXX **after last complaint here, collector took it off and said it was marked as unpaid. I thought that meant it could not be sold again. 
3. I was able to get this removed from all previous credit reports but Im now disputing the XXXX report where THEY HAVE REPORTED IT THREE TIMES. It does not belong on my credit report now since I filed for indigency, due to my economic situation at the time. See exhibit # 3. Also note my balance due is {$0.00}. The hospital wrote off the whole amount due to the indigency. The physicians did the same following the hospital. The indigency application follows all charges.

4. It needs to be removed from my credit report PERMANENTLY because it is not a valid charge, for the reasons stated above.It should not be able to be sold again. 
Please remove this charge from my credit report. It is inaccurate, illegal, invalid, fraudulent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX al XXXX ( ss XXXX )
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (PA)

Fortiva allowed XXXX XXXX XXXX XXXX to charge my account for {$6600.00} without my authorization on XX/XX/XXXX. I did not provide the company with my card or account information nor did I sign anything authorizing the payment. My roof was supposed to be installed on XX/XX/XXXX. My contract stipulates that I do not pay anything until the work was done and I signed off. I contacted Fortiva once the work was not completed on XX/XX/XXXX to ensure that the company could not charge my account without my consent. I was told they would not be able to debit my account without my authorization. I still have not received confirmation from the company the work is completed and now my roof is leaking. I never spoke to XXXX XXXX about processing the charges and was unaware until I saw the charge on my account. Fortiva has allowed this company to debit my account unauthorized and still has not reversed the payment after being notified of this information.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint involves the Bank of America Legal Departments failure to comply with a Connecticut Probate Court order to release  funds in a previously frozen checking account. As the duly appointed Conservator of the estate and person of my mother, MH, and acting within my fiduciary responsibility, I presented a ( State of Connecticut ( XXXX Regional Probate Court ) District XXXX, Decree to the Bank of America branch in XXXX, CT, on Tuesday, XX/XX/XXXX. 
The Decree clearly stated : WHEREFORE IT IS ORDERED AND DECREED THAT : The Court hereby grants the Conservator of Estate full access to Bank of America Checking Account ending in -- -- -, which was previously frozen by the Court prior to the disposition of the conservator matter. The conservator shall use the funds for care for the conserved person. The Decree is dated at XXXX, Connecticut, this XX/XX/2019. On XX/XX/XXXX, I requested that a bank check be made in my mothers name so that I could withdraw the money from Bank of America in order to deposit it into my mothers Conservator account, which is set up at another local bank. 
The Bank of America branch manager presented Decree to their banks legal department and, after waiting two and a half hours, I was told that the Legal Department would not accept the document presented to them because the title of the document was a Decree and not an Order. I was instructed to come back with a document that was specifically titled a Court OrdeXXXX. The XXXX Probate Court then revised the title of the document so that it read as follows : STATE OF CONNECTICUT XXXX REGIONAL PROBATE COURT DISTRICT XXXX, ORDER. This new document was presented to the Bank of America XXXX branch on Thursday, XX/XX/XXXX and, after waiting another hour, I was told that the legal department was swamped and they would not be able to review it that day. I was told that I would receive a call from Bank of America the next day after the XXXXegal department had an opportunity to review it. Early Friday morning, XX/XX/XXXX, I received a phone call from the local Bank of America and was told that the bank could not release the funds because another legal department would have to review the revised document. I was told that perhaps the following week they would make a decision. On XX/XX/XXXX, I was told that I needed to provide BOA with the original documents from the Probate Court that appointed me the Conservator and provide the Fiduciary Certificate. Those documents were provided to the bank on XX/XX/XXXX. After several more phones calls to Bank of America from me and my attorney inquiring about the status, they are still refusing to honor the Connecticut Probate Court order to unfreeze the account and release the funds. 
I seek the help of the Consumer Finance Department to compel Bank of America to honor the Probate Courts order and release the funds in my mothers account immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I have tried on multiple occasions to get my name changed within their system to my new legal name, so I put my old name in this. I have been trying to get the name changed or the account deleted completely from Experian for a while now They refuse to help me and keep saying I need to mail copies of all name change information. I want the account deleted.
Consumer complaint received 2023-03-07
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. (FL)

I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc. (VA)

I have been fighting with XXXX concerning XXXX XXXX putting info on my report when I was in Bankruptcy. They kept updating my file as if they were open. The private loans were included in my XXXX bankruptcy as a hardship, That was the end. Then XXXX XXXX bought the " XXXX XXXX '' and have been trying to collect on this in previous years. Then they claim they were with XXXX loans which that was not on my paper work I signed, it stated private loans so I called XXXX and spoke with XXXX XXXX and he told me they were dissolved and another guy took over this " Bad Paper '' in XXXX. I sent to XXXX and XXXX XXXX to show where they were XXXX in my first bankruptcy due to hardship in XXXX and I have been ignored and credit report has been demolished by this company. I can not get decent living conditions. They kept threatening me into default for XXXX years and have yet to do so. I feel like I am being bullied by this company. They have a stack of my paperwork through the years. I feel they have violated the FCRA law.