davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX. The total price was given en route to the dealer despite having multiple calls prior XXXX. The grand total was {$13000.00}. I paid {$8000.00} in cash, {$5000.00} on personal check and the remaining $ XXXX on a credit card. The salesman told me my social was needed for DMV. He then used it to run a soft credit check which in fact was a hard inquiry. A policy the dealer has when using personal checks. The salesman told me he would drive me to the bank to avoid using the personal check and credit card and then within 1-2 minutes came back and said they already ran my credit. This is fraudulent and a horrible business practice. I spoke with the manager who only offered a solution of an apology and they will re-train their salesman. No consolation for me. Im applying for a mortgage and my score has dropped which means I have to pay points to get my rate back.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MI)

These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX CONSUMER PORTFOLIO SVC 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 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I met a lady online on a dating site, we spoke XXXX our business plan, she told me shes a professional trader she works for XXXX XXXX XXXX XXXX, which is a fraud company thats doing foreign exchange, something that I heard of but I didnt know none bout. She has me sending money to XXXX as Im making investments and trading, she made me take a $ XXXX loan from lending club, I made those transactions from Wells Fargo to XXXX by buying Bitcoin, when I found out its a scam, I sent a letter to Wells Fargo, they choose to deny my claim.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (MO)

Complete Credit Solutions has been trying to collect a debt from XXXX XXXX ( original creditor ). They are also reporting this collection on my XXXX report. I've asked them to remove this debt numerous times and they have refused. 

XXXX XXXX just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from Complete Credit Solutions that they will not try to resell this invalid collection debt to  another company. 

Thank you
Consumer complaint received 2020-09-23
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: AMERIS BANCORP (NC)

This is in regards to Ameris Bank unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. Ameris closed the account as of XX/XX/XXXX XX/XX/XXXX out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-21
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: Transform Credit Inc. (CA)

XXXX XXXX checked his XXXX credit report XX/XX/2023 and reviewed all the relevant accounts and information that was being presented that day. XXXX also contact XXXX to discuss account information that XXXX felt as not accurate. XXXX on or around this date at reference herein, notified XXXX that the account with a merchant loa servicer, doing business as XXXX XXXX, was a merchant lender XXXX was not recalling ever having done business with. XXXX then placed a fraud alert on his credit profile with XXXX, exported the concern to XXXX for their investigation and is now filing this complaint, and will at a later date, file a police report consistent with this same information being provided herein. XXXX has contacted the alleged merchant lender, displaying information on his credit profile as an alleged creditor, XXXX XXXX, and upon entering his information was advised he as a co-signer on a loan he had no knowledge of ever agreeing to be affiliated with, and was then directed to a chat prompt and disconnected from the call. A screen capture of the chat prompt, following the disconnection from the call is included in this complaint for review and consideration. This account was executed and initiated without any knowledge from XXXX or consent, and XXXX has reported this concern to all respective parties, and will now move forward with an official police report concerning this matter as well.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2018, we received an ordinary mail from Chase, apparently a credit card account was opened through XXXX XXXX, ending in XXXX, and we were charged XXXX annual prime fee. We are XXXX XXXX members but were unaware of this credit card account or the fee. 
We called the number on the Chase bill given us, spoke to several representatives with XXXX accents, and found out this was a legitimate fee, but no idea why the credit card account was started. We were less upset, but really have cut out unnecessary credit cards and asked to cancel this card The representative assured us the card would be cancelled and the prime fee would be transferred to our other credit card acoount, actually also from Chase, ending in XXXX. He asked out email to send us confirmation. 

Today, we received another bill from Chase for the XXXX account. We called the number provided on the chase bill again, bounced to security department who would investigate the charges BUT THEY SAID THERE WAS NO RECORD OF THE FIRST PHONE CALL! 
I was willing to pay the XXXX, but was sure i gave our othe rcredit card to the first caller and felt this had to be resolved, Why had they no record of my call? would this happen again when i hang up? who did I give my other credit card info to? 

I couldn't get them to give me a confirmation number, or case number to prove we had called today. They said they have adequate records by recording the call and placing a memo in my chart. They also stated they would send me a letter confirming they cancelled my account, but no other proof we called was offered. After an hour on the second call, I am no further along, as i have no proof that I have paid these charges or cancelled this credit card other than THEIR word on the phone. This is the number I called the first time. 
Please help
Consumer complaint received 2018-12-21
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: SYNCHRONY FINANCIAL (TN)

XXXX XXXX put a hard inquiry on my credit. I havent had my credit ran since I filed bankruptcy. It was put on there XX/XX/2018. I dont know nothing about this company at all
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a patio furniture set from XXXX on XX/XX/2022, for {$850.00} using my Capital One Quicksilver card, the patio furniture was delivered damaged on XX/XX/2022, I called in the same day I received it for some type of help for a replacement and I got no help from XXXX, so I made a dispute with my credit card, then I see on XX/XX/2022, while the dispute was still ongoing XXXX charged my card again so now I owe {$1700.00} total to my credit card for one purchase, when I called Capital One for help on the double charge they opened a separate dispute, after 2 months of countless hours on hold with Capital One providing them emails and documents, Capital One now says they have sided on XXXXXXXX favor for both disputes. 

Why did capital One side with XXXX : because XXXX provided a tracking # to Capital One to justify the 2nd charge.. when I looked at the tracking # XXXX  provided to Capital One as justification for the 2nd charge it is the same tracking # for the 1st charge, they used the same tracking # for 2 charges.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (TX)

XX/XX/2023, @ XXXX sent an email to westar mortgage to change my payment amounts for my XXXX home loans. XXXX & XXXX. I asked that payments be taken out bi-monthly ( every other week ). Any overpayment is to go towards the principal. 

Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$1700.00} each. 
Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$2400.00} each. 

Payments for loan ending in XXXX was set up correctly. 
Payments for loans ending in XXXX, are not being applied correctly. The overpayment was to go towards the principle they are applying to future payments. I have asked several times for them to correct it. They are now telling me that they can't take out bi-monthly ( they are still debiting my checking acct bi-monthly ) and say they can't put towards the principal ( they are doing it correctly on the account ending in XXXX ). I have had several instances where my payments were posted incorrectly. I have had soo much trouble with them posting things. I can't get statements online. Their statements are confusing. I would like a full audit of my accounts.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SPECIALIZED LOAN SERVICING, LLC. misapplied the money I sent to them in XX/XX/2016 for property taxes and insurance. They called me on that XXXX and want me to send the money. I sent two checks to them. one check was for {$7700.00} for taxes, and the second check was for {$1200.00} for insurance. These were exactly what they requested for. 

The following month they forced payment plan on me, and started appropriating my regular monthly mortgage payment to cover the same taxes and insurance. They claimed that my regular monthly mortgage payment of {$1400.00} was not enough for the mortgage, taxes and insurance thereby started charging me LATE payments. I was then reported to THE CREDIT BUREAU for late payments. Since the past two years, I increased my monthly payments to {$2500.00}. 
I have never been late on my payment since they bought my loan, and now they have destroyed my credit.
Consumer complaint received 2022-07-27
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. (SC)

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX Bank account # XXXX XXXX Card account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran XXXX XXXX XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Us Sm Bus Admin Oda 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 XXXXXX/XX/XXXX I did some research and found out that all credit reporting bureaus must be accurate with reporting on all XXXX bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent. These are the hard inquiries listed. Not enough room on report to list all inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all 3 bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Consumer complaint received 2022-07-27
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)

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX  # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXXl # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-08-17
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

my funds are being held even after 180days are over for more than 2 years despite how many times i try to withdraw. please assist me to get my funds because despite contacting support they are taking me into circles.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2018 a letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX to my attention regarding a denied application for a XXXX Credit Card. I never applied for a XXXX credit card and do not need another negative mark on my credit showing that I was seeking a credit line when I never did. The company does not list a number to call to correct this issue and only states to contact them via post. Not only is this fraud, but they've made it incredibly impossible to communicate with them. 
I want this inquiry removed from my credit and I believe XXXX XXXXk should have to list a customer service number in order to avoid any UDAAP issues in their future.
Consumer complaint received 2022-07-27
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. (NY)

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Numerous times I have submitted documentation with the CFPB and via hard copy mail Experian still refuses to show the account as paid and continues to report the account as closed charged off. The company itself has also submitted the account as paid and full to them and they still refuse to update the account as paid. including the payment information from XX/XX/2018 which paid the account in full.
Consumer complaint received 2018-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my XXXX   credit report that do not have the correct balances. My XXXX XXXX card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2017 Amount : {$5600.00}