davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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
Consumer complaint received 2021-08-23
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. (MI)

THE FOLLOWING IS REPORTING IN ERROR. I HAVE CALLED ALL COMPANIES AND THEY HAVE SENT BUREAUS AUTHORIZATION TO DELETE. XXXX  HAS DELETED. TRANSUNION NEEDS TO DELETE. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

While I went to Delta website to book flight tickets, I saw at the payment page that I will get below benefits if I will apply and approved for The Delta SkyMiles Gold American Express credit card. I have applied and AMEX did a credit inquiry instantly, which ultimately my credit score impacted. I got the digital copy of the credit card ASAP. But I am unable to book the ticket with that card as AMEX declined the transaction of {$8400.00} of the ticket amount I was booking. When I called AMEX support they said that I have to wait 2 weeks to have the physical card to be eligible for ticket purchase beyond {$1000.00}. This is misleading and cheating to people if they have put the advertisement to apply this card to get {$400.00} statement credit and XXXX miles if one applies this credit card while purchasing ticket. Why they didn't mention that they have restriction to buy ticket beyond {$1000.00} for 2 weeks? There is no point putting advertisement to apply during booking. Since I am unable to pay {$8400.00} to buy ticket, I have used my other credit card in order to lock the ticket price.

See the exact lines as below, AMEX mentioned while applying. Do they expect, that I will again book one more ticket in 6 months beyond {$2000.00} to get the benefit? Appreciate if you take action on these credit card companies for making false advertisements. 

Statement Credit Issued Approximately XXXX Weeks After You Make A Delta Purchase On Your Card In Your First 6 Months. Bonus Miles Will Be Issued After You Make {$2000.00} In Eligible Purchases On Your New Card In Your First 6 Months. Earn A {$400.00} Statement Credit And XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$11000.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial. 

For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit. 

Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied. 

The result has been paying higher interest on loans and or loan denials.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

An individual on Venmo who goes by the name XXXX XXXX on Venmo has scammed me of {$260.00} and {$290.00}. Through XXXX direct messages, he promised to send two pairs of shoes but failed to do so after frequent reminders. He also sent two tracking numbers that were fake.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was settled in full on XX/XX/year>. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a call from comity bank on XXXX XXXX am set and the call came in as unknown or blocked caller. I spoke to the collector I also expressed this practice of unknown caller as a FDCPA violation. Nothing was addressed to this comment. They are first party debt but I didnt believe this is still an allowable practice?
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kornerstone Credit,  LLC. (NY)

XXXX XXXXXXXX XXXX XXXXXXXX have made a delinquent charge on my account after I had closed an account with original loan. 

The original loan providers can not provide any information on the debt. Every time I call they said they dont have it because its been so long so why am I being charged if theres no information? When I showed original bank statements to prove l came to a settlement they dont acknowledge it. They were scammed by original lender.
Consumer complaint received 2020-02-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I have filed a mortgage loan through LOAN DEPOT in hopes to get approved for a home that my family and I wish to purchase. The home builder company advised us to go through Loan Depot since they are the approving mortgage loan company that handles VA Home Loans. I managed to speak to a gentleman named XXXX XXXX ( NMLS # XXXX ) who happened to conduct a preapproval process but was halted since a lady named XXXX XXXX was assigned to location and the approving sales manager for the home we wish to purchase. 

I did not waste time to send the documents that XXXX XXXX requested through the LoanDepot Mortgage Loan Portal since we were on a specific timeline to get the approval for the home. I continued to monitor and contact MsXXXX XXXX XXXX  but she does not make any attempt to inform my family regarding our VA home loan status. Based on our phone conversation through XXXX and XXXX that my credit score coupled with my income meets the requirement for the pre-approval for the home and there should not be any problem of getting the home loan. 

I am submitting a help since XXXX has not contacted myself or my wife with the any information about the VA Home Loan and at this point we lost the bid for the home. She has ran my credit report already and yet she continuous to ignore my attempt to obtain an approval and disregard any attempt to communicate back to us. I have made numerous attempt to contact the company but they kept referring me back to XXXX XXXX and no one seems to want to get involved or help us with the VA Home Loan approval. 

I can not continue having another mortgage loan company to run my credit report again and go through the difficulties of purchasing a home.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (WA)

In violation of 15 U.S. Code 6802, it has become clear that DISCOVER has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right.

DISCOVER has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XXXX XXXX of any and all authorization that I may have given DISCOVER to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over XXXX violations of my privacy regarding my accounts with DISCOVER since XXXX

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. DISCOVER is willfully disclosing reports containing information solely as to transactions or experiences between DISCOVER and I to non-affiliated third parties.

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, XXXX, and XXXX.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (GA)

Received a letter from Wells Fargo that I was enrolled in their Accidental Death Product in 2012. I did not authorize this and do not know who enrolled me in this product. Called and the representative did not explain who enrolled me in this product.
Consumer complaint received 2022-06-05
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: Mr. Cooper Group Inc. (CA)

To whom it may be a concern : I had a loan with XXXX  for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # 1. 

My XXXX  score has been over XXXX for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # 2.1, # 2.2, # 2.3. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX and not able to resolve this. Please refer XXXX 's response on # 3.1, # 3.2. and # 3.3 for your reference.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I after application in good faith for the Discover XXXX card with Discover Bank after a XXXX months received notice my account was closed/canceled by the issuer, not myself the account holder. 

If any portion of this application has been securitized as a asset backed note under securities act of 1934, within the Discover Bank and/or any other under XXXX filled XXXX, XXXX XXXX Forms and or other XXXX filings. we demand credit line issued and open ended under the name of applicant. 

we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act XXXX XXXX XXXX 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action. 

For this account ending in XXXX is also reporting to my credit report we at this time in this notice we wish to opt-out all reporting from you Bank to Any of my Credit reports. under the protections of US Code Title 15 - Commerce and Trade XXXX XXXXXXXX - Privacy Subchapter I - Disclosure of Nonpublic Personal Information XXXX XXXXXXXX - Obligations with respect to disclosures of personal information
Consumer complaint received 2022-12-17
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. (TX)

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

In XX/XX/2023 my student loans were transferred from Nelnet to XXXX. My current balance with Nelnet is {$0.00} due to the transfer. Right now my student loans are showing XXXX  on my credit report. XXXX account for Nelnet and XXXX for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with Nelnet requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with XXXX, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, i deposited a check in my captial one savings account, for the amount of {$3900.00}, the funds cleared on the XX/XX/2022. I checked my account on XX/XX/XXXX and noticed that i was not able to do anything with my funds, Captial One is holding my funds until they verify the check with the company, they have tried to get a hold of the company several times. it has been XXXX days since i deposited the check. If anything was wrong with the check it would've came back as such by now. The company that wrote the check does not have direct calling to verify checks they have issued. It has nothing to do with me. The check has cleared.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (PA)

In response to CFPB complaint # XXXX regarding account number XXXX Self Financial stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
Self-Financial stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need Self Financial to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED.

I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for Self Financial to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Consumer complaint received 2022-12-17
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)

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.