davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2021, I used my open-ended credit card ( under 15 USC 1605, a credit card is defined as any card, plate, coupon book, or other credit device existing to obtain money, property services, or CREDIT for family or household purposes, ) In this transaction, the only card I could have used was my social security card administered to be by the social security administration. I am aware that I am the original creditor, natural person, and consumer and because a finance charge ( under 15 USC 1602 a finance charge is defined as information in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed by the creditor as an incident to the extension of credit. ) When American Express used my credit card inside my application, I administered my right to credit for American Express to extend back to me. In the form of an American Express XXXX XXXX and all the benefits that come along with it. 

After completing the application, to my surprise, I was denied by American Express despite me being the original creditor and a natural person. 

Because American Express received compensation for this finance charge under 18 USC 8, I was left with nothing. 30 days later, the company has not mailed the reason for the denial. According to this section 15 USC 1681m ( a ), ( 1 ) If any person takes any adverse action concerning any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer. I am aware that American Express viola
tes 15 USC 1681m ( a ), ( 1 ).

American Express violates 15 USC 1691. It shall be unlawful for any creditor ( a creditor is defined as a person, and because a person is defined as a natural person meaning born of two human beings, myself, not a corporation, organization, or agency ) to discriminate against any applicant, ( under this section an applicant is defined as any person ) concerning any aspect of a credit transaction ( meaning the right granted to a creditor ). Because I am the original creditor and the natural person, American Express can not deny my right to credit once a finance charge is involved. This transaction is derived from the use of my social security card. I am aware that to complete the application, I had to provide that information.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WV)

I made a payment of XXXX on XX/XX/2022 which was the full balance of my express credit card. Today is XX/XX/2022 and I went to use my credit card for a purchase and it was declined due even though I had just used it for {$25.00} for an online order in store. It would not allow me to make the remaining {$260.00} purchase even though my account reflects an available balance of {$270.00}. I called the credit card company ( comenity bank/bread financial ) and they said that the account was suspended. I asked how I used it for the {$25.00} and they couldnt give me an answer. Theyre holding my money hostage, I was not notified at the time of payment that it wasnt going to be available immediately, furthermore this has never happened before so why now?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I was an victim of identity theft! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in high school I graduated class of XXXX i never had an apartment i am still livining with my mom!
Consumer complaint received 2022-02-22
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. (TX)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : 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 2022-10-07
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. (PA)

hello, the XXXXXXXX XXXX  account that appears on my XXXX  equifax and XXXX  credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  / {$840.00} XXXX XXXX XXXX / XXXX / {$15000.00} XXXX XXXX XXXXXXXX / {$940.00} XXXX XXXX XXXX XXXX XXXX / {$600.00} XXXX XXXX XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX / {$10000.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX / {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX / {$1700.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$610.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-22
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. (TX)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-02-22
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. (AZ)

XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2022-02-22
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. (AZ)

XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2018-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been fighting with XXXX and TransUnion to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.
Consumer complaint received 2019-05-24
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: CORELOGIC INC (TX)

There are several mortgage companies, and banks that have pulled hard inquiries on my credit report with all 3 bureaus that I DID NOT authorize. I reached out to all the companies in question, and they told me they would look into it. Not one bank nor mortgage company did anything about the hard inquiries or contacted me back. It is very frustrating when you didn't give anyone permission to pull your credit, yet the credit bureaus will not do anything about the unauthorized inquiries on my credit report. Below is the name of the companies who pulled hard inquiries without my knowledge. 

1. CREDCO- ( Pulled Credit -XX/XX/XXXX ) 2. XXXX XXXX- ( Pulled Credit -XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 3. XXXX - ( Pulled Credit -XX/XX/XXXX & XX/XX/XXXXand XX/XX/XXXX ) 4. XXXX XXXX ( Pulled Credit - XX/XX/XXXX ) 5. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 6. XXXX XXXX XXXX - ( Pulled Credit- XX/XX/XXXX ) 7. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 8. XXXX XXXX XXXX - ( Pulled Credit - XX/XX/XXXX )
Consumer complaint received 2019-11-14
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: EQUIFAX, INC. (GA)

There are several accounts that are inaccurately reporting late on my credit file. 

Equifax, XXXX  and XXXX  is reporting that I was 30 days late with XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Equifax - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX and XXXX  - XX/XX/XXXX Equifax - XX/XX/XXXX XXXX
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (IL)

On XX/XX/2018 I called allied collection services at XXXX and spoke with XXXX XXXX, I asked who they were and what is the debt for. He stated thats its a debt collection agency and was trying to collect a debt. He also stated that it was for XXXX XXXX XXXX. I then stated that Ive never lived at a place called that, then XXXX XXXX asked if I lived at a place called XXXX XXXX I answered no. He asked me to give him to Wednesday to figure it out. I called back on Wednesday. I was told that it was my debt and I asked if I can get verification, they stated that they have my name, number, address, and drivers license number. I stated that that was not Verification and to send a contact to my address. They then hung up the phone on me.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

From my understanding, I was loaned out XXXX $ and i was going to be paying the XXXX  $ back plus a bit more for the fiance charges. I am instead paying back XXXX which i don't see why that is fair. I was never told the finance charges were going to be so high. By now it is XX/XX/18 and I have payed XXXX . I pulled out the loan on XX/XX/XXXX. I still have until XX/XX/XXXX to pay. That is way more money than i expected to be paying
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (VA)

In accordance with the XXXXir Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My aXXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (MD)

This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for total XXXX. After investigating with total XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1618 section 602 states I have the right to privacy.

15 USC 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Last year I was struggling to make payments due to a burdensome XXXX XXXX  obligation. My mortgage company sent a letter to my insurance company stating that the home was in foreclosure and that I no longer occupied it. Neither of these were true. This resulted in my insurance company cancelling my renewal and my mortgage company force placing insurance on the house. The insurance company asked for a letter stating that the home was no longer in foreclosure and the mortgage company refused, stating that they don't send out letters of that nature. They also denied sending the letter to my insurance company. ( See attachments ). In addition, the mortgage company makes paying the mortgage online so complex that I am rarely able to accomplish it. They do this by making you verify your phone number/computer/etc. by placing the code that they send you into the password area of the log-in. Of course, this means that you can't save your password. Even after they send one, the website is very confusing by dint of the phraseology they use. Do you want to " continue '' or " reset ''? I am a Certified Fraud Examiner and it is my belief that they do these things deliberately in order to a ) force you to make your payment over the phone ( {$15.00} charge ) b ) actively encourage late payments, in order to late charge fees AND keep you from re-financing somewhere else at a much cheaper interest rate. c ) They also reject your payment if you don't listen to the recording to the very end. I've talked to my collections people and they tell me that the only reason a system would be set up this way is to take advantage of the consumers, especially, older, less tech. savvy people. This is an extremely predatory company.
Consumer complaint received 2021-07-25
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. (NY)

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Consumer complaint received 2024-02-13
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have not received my escrow refund check. Send it immediately. 

I have attached written evidence stating Lakeview Loan Servicing owns the master servicing rights to my loan and is ultimately responsible for my loan. I expect them to resolve this issue immediately. 

This is a follow-up from cfpb complaint XXXX.