davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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 (OH)

Received invitation in the mail to apply for the amex XXXX  card. Applied online where the terms mentioned you receive XXXX points after spending XXXX usd. I completed the spend, while meeting all terms and conditions but was told I will not be receiving the bonus points. I was told the offer was not attached to the account because I had closed an amex card before. The account I closed was after keeping for a year and wanting to switch to a business version of that card. 
That is not a valid reason according to the terms to deny a bonus, for a card that I applied for only for the bonus after I received personal mailer advertisements and online ones for the offer. I was not informed at any point that I will not be getting the points until I inquired myself after I got the card and spent the money based on their advertisement
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX, EQUIFAX AND XXXX have unverifiable accounts, inquiries and addresses on my credit profile I disputed all items for the last 4 months. In I have not received any results. XXXXXXXX XXXX report a car loan as late for the last 40 months. I have disputed this account several times as fraudulent and I have not received and dispute result yet.XXXX XXXX XXXX refuses to respond to a fraudulent account dispute. XXXX XXXX XXXX is reporting a account as late and it was never late. I want all items deleted
Consumer complaint received 2023-01-13
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. (OH)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: American Credit Acceptance, LLC (LA)

On XXXX XXXX I received a letter from American credit acceptance stating that I was denied for a consumer auto loan. It is against federal law in accordance with the equal opportunity act to proclaim an adverse action against a consumer. Pursuant to 15 USC 1691 ( c ) you assume civil liability pursuant to 15 USC 1691 ( k ) American Credit acceptance has violated my federally protected consumer rights.

15 USC 1642 15 USC 1681M 12 CFR 1002 Since the letter that was sent to me on XXXX is both proof and evidence that I have been discriminated against you are also criminally liable. American credit acceptance should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I had a mortgage with XXXX 

PERSONAL INFORMATION : Property is at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

They transferred my loan to Suntrust according to XXXX. 
Suntrust never contacted me except to send me an email saying payment is due. I tried to login to Suntrust but their system would not let me because I did not have a Suntrust account number. ( Suntrust never contacted me with an account number. ) I replied to the Suntrust email and asked for my account number yet the email to Suntrust bounced.

I called Suntrust and was on hold collectively for 1 hour and 20 minutes and no one there could tell me my account number.

I can not make payment on the mortgage to Suntrust or setup Suntrust autodebit if they will not tell me my account number.

Then Suntrust sent a form email saying they were sorry that prior email about mortgage being due was sent in error and they would soon mail us an intro letter from Suntrust. Yet 3 weeks has past and I still have not received any letter from Suntrust. I still do not know my account number so I can not make a payment on my mortgage. Thus my mortgage is likely late and Suntrust is ruining my credit score because I can not make a mortgage payment because Suntrust will not tell me my account number.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

WELLS FARGO HOME MORTGAGE 1. I mailed letter to WELLS FARGO HOME MORTGAGE asking them to apply any escrow overages to the escrow account, request denied, they mailed a check to me and increased my total house payment, I mailed the check back to them ask that it be applied to escrow, and reduce my payment back to the original amount, they would not 2 Once again I had a overage in escrow, ask again that it be applied to escrow, once again Wells Fargo Home Mortgage mail a check to me and increased my house payment. 
I mailed the escrow check to them and ask that it be applied to escrow and reduce my house payment back to the original amount, they would not This has happened over and over, I hope you will put an end to this unethical/unlawful business practice from WELLS FARGO HOME MORTGAGE
Consumer complaint received 2021-08-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (VA)

I am filling a complaint against Wells Fargo because they are attempting a that is I do not owe them. Account Name : WELLS FARGO, Account Number : XXXX. 
I would like for WELLS FARGO to show proof of verification that I owe them {$140.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2023-08-26
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. (MO)

I reviewed my consumer report and noticed that I had one ( 1 ) late payment on a closed account that I was never late for. Consumer agencies have assumed a vital role and have a respinsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX XXXX  # XXXX. Please invesigate as I have proof from a letter from the creditor that this account was never late. I am requesting proof of statements showing a payment was late. If can not be provided I denand that the late payment be updated to on-time as it should be correctly as I was never late. Thank you
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : 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 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the 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.
Consumer complaint received 2022-03-28
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 
-account types are all inconsistent -account detail inconsistent - date opened inconsistent -payment status inconsistent - date last active inconsistent -date of last payment inconsistent
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I paid {$50.00} via XXXX on XX/XX/XXXX, did not receive the promised item, then immediately called my bank ( WF ) to stop the transfer ( it didnt go through until days later on XX/XX/XXXX ). The bank told me they could not stop the payment, but would credit me the {$50.00}, but then I never received it. I then spoke to 8 different Wells Fargo agents over the next 2 weeks over many hours who were all giving me inconsistent information and false promises. Then I got a letter stating my claim has been closed.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

I received the following email from a company that I have never done business with. All the information they have about me is incorrect ( e.g. name, address, debt... etc ). 
They do however have my e-mail correct and continue to send me e-mails about a debt that does not exist with them. 

Their message reads : This is your XXXX XXXX XXXX XXXX Money Transfer receipt and confirms your authorization for a one-time electronic bill payment to Santander Consumer USA XXXX XX/XX/2022 XXXX. The total amount will be debited from, or charged to, your bank account or card listed below. 

Confirmation Number : XXXX Sender Name : XXXX XXXX Sender Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number with Receiver : XXXX Your bank account or card # : XXXX Receiver : Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Payment Date : XX/XX/2022 Payment Amount : {$410.00} Money Transfer Fee : {$2.00} Total : {$410.00} California Residents XXXX You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if ACI Payments , Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorneys fees pursuant to Section 2102 of the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX COMPLAINTS : Click here for information about filing a complaint Please contact Santander Consumer USA directly at the address listed above or call XXXX if you have questions about the posting of this payment to your Santander Consumer USA account ending with XXXX.
Consumer complaint received 2022-03-28
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. (TX)

Experian is violating the FCRA Laws put in place for consumers dealing with fraud on my credit report. I have sent a Police report with my affidavit, and they refuse to investigate and remove this fraud off my credit report. They are the only bureau that is reporting these errors on my report that is hurting my ability to get credit.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Home Loan Center, Inc. (PA)

On XX/XX/2021, I applied for a loan through LendingTree.com. ( THEY are not the issue/problem. ) When doing so, I received multiple emails from different " banks '' stating my application/info has been approved. I clicked on the email that I received from " LendingTree '' and move forward with the process. I began to get emails and text messages from the Loan Officer, XXXX XXXX, who walked me through their process in order to have the {$5000.00} deposited into my checking account. I unfortunately gave them my login and password for my bank account. They then said that they had to 1st deposit {$1400.00} into my bank account, which would increase my credit score. I would have to then pay them back that amount immediately and then they would deposit the {$5000.00} into my account. When I contacted them about the {$1400.00} being deposited, they told me that I had to pay it back either using the XXXX XXXX or by purchasing XXXX XXXX XXXX. I immediately told them I was not comfortable with moving forward with them, and I contacted a rep at LendingTree.com this morning, XX/XX/XXXX. I explained to the rep what had happened and she tried to pull my email address up to see if 1 of their banks was working with me. No surprise, she couldn't find anything! She walked me through what I needed to do to be certain the scammers wouldn't be able to mess with my bank account any further. I sent the rep at LendingTree.com my emails, texts and documents that I have received by the scammers. 
As of now, the {$1400.00} is still in my bank account that the scammers deposited.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : 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 2022-03-28
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. (NJ)

I currently have a collections account listed on my Equifax credit report without a furnisher listed. I have asked them on four separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to validate the debt and provide their method of verification. I have not received any response from Equifax, and subsequent checks of my credit report show that they have updated the date of last activity and date reported. No information appears in the last verified field. Whats more troubling is that there is no creditor/furnisher listed on the account. How is this account being verified then? Who is Equifax confirming this information with? Why am I not receiving any responses with answers to these questions? I am hoping that the Consumer Financial Protection Bureau can assist in amicably resolving this matter or I will have to file a lawsuit against Equifax.
Consumer complaint received 2023-01-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.