davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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: AMERICAN EXPRESS COMPANY (IN)

New and Updated Information Regarding Complaint # XXXX On XX/XX/22 American Express responded to my complaint and stated that they are following the law and not meet my demands. I am providing factual proof and federal law that American Express violated my consumer rights and must be held liable for their deceptive practices. They are in violation of the following federal laws and appropriate action must be taken on there end to resolve this matter. Please see the attached documents in this complaint to ensure that they are in compliance. 

Violations Committed 15 USC 1681 ( a ) ( 4 ) - accuracy and fairness of credit reporting - consumers right to privacy 15 USC 1681a ( 2 ) ( i ) consumer reports do not contain certain information 17 CFR 160.10 - limit on disclosure of nonpublic personal information to nonaffiliated third parties 15 USC 1681n - civil liability for willful noncompliance 15 USC 1681b - permissible purposes of consumer reports 15 USC 1681c - requirements relating to information contained in consumer reports
Consumer complaint received 2019-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

I was in default in my student loan so I had to go through a rehab program. I did so very successfully. Then I was put with XXXX. For the first year things went okay. I had an IBR plan. Then for the second year I resubmitted my application, but didn't get a response for MANY months. In the meantime they expected me to make payments that far exceeded what I could pay. I never heard back from them regarding my IBR application. My loan has again gone into default.
Consumer complaint received 2019-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-Michigan Collection Bureau (MI)

On XX/XX/2019 I sent a certified letter to Mid-Michigan, RE : Account XXXX**. The letter was received XX/XX/2019. In the letter I requested they validate the said debts that I owe without violating HIPPA rights. They have not corresponded. Its now XX/XX/2019 and I am requesting this company remove and delete this alleged debt from my credit reports due to the failure of adhering to the request on the certified letter.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fair Financial Corp. (CA)

Fair placed a hard credit inquiry against my XXXX credit without my knowledge or approval. 

They claim to not have a letter of deletion to remove Fair is a car  subscription app. They require you to take a picture of your licence and give personal information at the start of the app 's process ( SSN ). While researching, Fair claims that this is just a " soft-inquiry '' and  they will not appear on my credit. It even said upon the initial entering of the info that this was just a " soft-inquiry '' and would not effect my credit. 

I was browsing cars on their app on XX/XX/2019. I found a car I was interested in. After selecting some possible payment plans and addition add-ons, I was prompted with a button " Check Car Availability ''. Nowhere along this process I was informed that this button would initiate a HARD credit check. I receive an email which I will attach below. 

Again, nothing having to do with a HARD credit inquiry. I received those contracts, and after review, decided that I would not be moving forward with this car. I did not sign any contract, proceed with any payment, and I canceled this transaction.

Apparently, they grabbed my info which was entered at the beginning of the app ( necessary for even using it ), and applied for a hard credit inquiry at this point. That information was entered initially with the assurance that this was only for a " soft-check '' - but then they later use it for a hard inquiry without informing me at all.

To my surprise a few days later, there is a HARD inquiry against my XXXX credit by Fair on XX/XX/2019. I contacted XXXX and the only way to dispute and remove the inquiry is to receive a " Letter of Deletion '' from Fair and mail it to XXXX. 

When calling Fair - they kept me on hold for 30 minutes - just to tell me that they do not have that type of documentation at their business. 

Shouldn't they be required to have the document if they are regularly doing both soft and hard credit checks? 

So now I am stuck. I can not dispute this inquiry with XXXX   without the document from Fair - which they will not provide. 

Please help me.
Consumer complaint received 2018-09-14
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. (UT)

I was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.
Consumer complaint received 2019-02-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/2018 I had a payment of {$25.00} be returned against my account that was set up on auto-pay. Earlier the prior month I had my wallet with some of my other belongings stolen such as my drivers license, debit cards, phone, and social security card while I was in the process of settling after moving. To protect my assets I had my accounts frozen and had to start fresh. Unfortunately it takes quite some time to prove you are who you say you are without any form of identification so my accounts had remained that way for almost a month. About the end of XX/XX/XXXX I had received the forwarded letter confirming that the payment had been missed and it had come to my attention they didn't have my new card information for the auto-pay. The moment I had received the notice I called CAPITOL ONE and explained to the representative what had happened and she had assured me that this happened quite often and I payed the card off in full for my XX/XX/XXXX payment. Having never missed a payment I hoped that they had been understanding especially with the voice mails that I had from their department trying to help me out and willing to work with me... about a week later I checked my credit report and i took a 150 point hit to my credit score due to this interaction. I have since called and even sent a letter of good will trying to explain the situation, but after they had received the total card balance of {$190.00} their willingness to work with me had seemed to vanish. The only reply I could get was a generic generated letter with no human emotion. I had completely given up on trying to appeal it until a friend of mine pointed me this route
Consumer complaint received 2018-09-14
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. (UT)

XXXX XXXX  is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
Consumer complaint received 2023-07-12
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: ALLY FINANCIAL INC. (FL)

an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online
Consumer complaint received 2019-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Company : XXXX Lakeview Please help us! 

You helped us in the past with this company. They used our Escrow money from our mortgage to pay taxes for a different lot #, Which lead us to receive several Delinquent Tax notices and notice our " DELINQUENT '' taxes would be auction off. 

After multiple attempts that I called personally to get this fixed. You reached out to them in the past which lead to them finally paying the 3 Quarters of taxes they did not pay. 

After we thought this was finally resolved. Our next Statements from Lakeview showed our escrow in a negative balance. So you call the mortgage company again ; they told us not to worry about it everything is fine and our account is update date. Now with the new year we get notified our Escrow account to go into the negative by {$3000.00}. Stating we have no escrow to pay our Taxes, etc.So they made our Monthly payments higher stating we have no money in our escrow account!! We pay on time every month. 

Accord to what I see here never fully fixed the first issue as they stated they did. Lakeview informed us it would come out of their own money. Since, it was them who used our Escrow money to pay another lot #. We noticed the money they so call paid our Town taxes with to solve this issue came out of our escrow again! Which lead to the negative {$3000.00} for us this new year. We never saw the adjust for the mistake they made never put back to our account. Each time we called they just told us " Yes, I see on the statement a negative balance. But in our records everything is okay and up to date. We just need to show that on the statements for records ''
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018 an inquiry was placed on my XXXX report by this company that I do not recognize. I would like to request to have this inquiry removed ASAP. Otherwise please show signatory proof that I in fact did apply for this account.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klarna AB (FL)

On XX/XX/2021 at approximately XXXX XXXX Klarna opened a revolving line of credit in my name fraudulently without permission. Klarna has taken it upon itself to open a revolving line of credit with information provided without my permission la XXXX XXXX. They have used predatory lending tactics to open up this account by masking the revolving line of credit to look like a one time loan application. I was under the impression after reading all disclosers that Klarna was offering a onetime small loan for products on XXXX. Klarna instead opened a revolving line of credit without permission. 

Upon calling the Klarna and requesting the account be immediately closed the company proceeded to give me the runaround. The third party company that Klarna has in place to answer the phone and provide customer service is completely useless. I had to call the merchant XXXX to be the intermediate between me and Klarna to even attempt to have the account closed. 

Klarna seems to be operating with impunity and hiding behind poor customer service. Klarna also seems to be praying on minorities with these predatory practices. I have contacted the credit reporting agencies in an effort to have the hard inquiry removed from my reports.
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC (TN)

The on XX/XX/XXXX I paid in full a medical debt owed to XXXX XXXX XXXX to Universal Collection Systems. I followed up with a phone call that was never returned. On XX/XX/XXXX I received a notice that my payroll wages would be garnished in the amount of {$860.00} due to an already paid debt. I reached out again only to have the call to go without an answer. On XX/XX/XXXX Upon looking into my payroll for the week my wages have been garnished for {$390.00} for a debt that I do not owe.
Consumer complaint received 2019-04-19
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. (CA)

On XX/XX/XXXX Transunion responded to Federal CFPB that XXXX XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and Transunion and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX XXXX before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of Transunion, XXXX, XXXX   and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, Transunion, XXXX and XXXX  with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX. 
I am respectfully requesting a Federal Investigations against XXXX, XXXXn, Transunion and XXXX immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my XXXX XXXX as XXXX XXXX American.. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
This is a Urgent Matters!
Consumer complaint received 2018-09-14
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: Onity Group Inc. (TX)

Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name OCWEN LOAN SERVICING Account number XXXX ....
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was a customer of XXXX XXXX  " XXXX '' and had a store credit card. 
XXXX XXXX of 2017 I had made a purchase in store of Christmas gifts to give. 3 days later I returned to the store to return the items because they were not something that could be worn by the person I was gifting them to. The employee in XXXX returned my items and failed to credit my account, therefore increasing my debt substantially. I had noticed on my statement that it was not credited and I was paying interest on a dollar amount that was not correct, after sending letters of dispute to the proper parties many failed tries to correct the problem the balance kept growing in fees penalties and interest. My last check into the balance was XXXX dollars, but after the return of items It should have been lower. I had made purchases totaling XXXX and happily was making payments before this problem. I was penalized with fees and interest on a dollar amount nearly double what was actually spent, XXXX failed to help fix this, I had disputed it many times to no success only being told I owed the amount and nothing could be done to help me. Now the account is closed and was sold to a collection agency named Portfolio Recovery
Consumer complaint received 2019-04-19
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. (NC)

I have submitted written disputes to Experian in reference a inaccuracy of reported Child Support account. In my dispute, I asked for the agency to validate debt by providing me the written contract between me and the Child Support Agency that reported the inaccuracy. The only response I have received was the online dispute results that reportedly " Updated '' that the debt still exist.
Consumer complaint received 2019-04-19
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. (CA)

many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Riverwalk Financial CORPORATION (TX)

XX/XX/2018 {$230.00} was taken from my debit card without my authorization from Riverwalk Financial Solution, when I tried to contact them their listed phone numbers were disconnected or out of service. Like wise their email address was not responsive.
Consumer complaint received 2023-07-12
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-04-19
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: Telerecovery Corporation (LA)

XXXX, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet XXXX  is reporting I owe this debt to this company, how can a Collection Account/XXXX report a past due balance, and a balance owed ( violation ) I have disputed this account with XXXX many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, XXXX  has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, XXXX  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- XXXX is verifying this debt through previous disputes, and electronically through XXXX   this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT IMMEDIATELY!!!
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

CASE NUMBER XXXX On the answer of that claim the bank said that is waiting information requested to me. 
I sent all the requested information for all claims detailed on that letter, so I need to know what else do you need, with details, to proceed with the claims and send again te information requested. 
Claim numbers : XXXX, I dont have any information requested on my email and mail XXXX I dont have any information requested on my email and mail XXXX, it was sent on XX/XX/XXXX This 3 claims I had attached the information requested.