davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX XXXX my DOB XXXX SS XXXX I seen my new report this weekend and there are definitely something that are not right on my report. My address is XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I need the following addresses remove from my credit report. They are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX CT, XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (TX)

This company not once sent me a statement but called and harassed me stating they were trying to serve me papers with a company called XXXX XXXX. They have left me Voice mails wishing me luck. Before my last name was XXXX and they leave all kinds of messages in XXXX harassing me about suing me.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (TX)

Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-02-26
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. (IN)

On XX/XX/2022 I paid XXXX  {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my Experian report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait 6 months!
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX I seen my new report this weekend and there are definitely something that are not right on my report. My address is XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I need the following addresses remove from my credit report. They are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX CT, XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Consumer complaint received 2023-08-11
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: LOBEL FINANCIAL CORPORATION (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX is reporting as a new bankruptcy on my account. It is only reporting this way on my Transunion account, noXXXX XXXX XXXX XXXX XXXX XXXX XXXX account has also been removed from my report and I did not ask for this. This seems to be retaliation for the previous complaint I filed with the CFPB about multiple attempts to correct information on my account. The account description should read " Included in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' This, again is destroying my credit score and my creditworthiness. If the retaliation continues, I will move forward with legal counsel and take legal action.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

This company AVANTE was placed on my credit report and i was miffed to see that they just showed up on my consumer report recently. I have never heard of this company nor have I done any contractual business in any way shape or form. I've sent two certifed letters requesting a true and accurate investigation to verify this alleged debt was furnished legitimately that i supposedly owe and to no avail was left with no response.

I never received a letter within 5 days of me disputing the validity of this alleged debt. I want this account closed in your office and permanently removed from my transunion consumer profile and not sold per my cosumer rights and fcra guidelines.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I recently had my Bluebird by American Express account shut down at random. I have previously used the card with no issues. This time I have attempted to withdraw part of my XXXX $ in the account. The card declined. Then I called american express 's customer service and can only get an automated response. I am on XXXX and most of my money was on this account which I am now having witheld from me. I am afraid of the possibility of bankruptcy and this closure happened with no warning. I dont know how I will pay my bills or buy groceries now with American Express hoarding the last of my XXXX check. Please I need help recovering these funds as I have done nothing wrong. Thank you so much.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I am trying to get the mortgage company to end my enrollment in their bimonthly auto pay program wherein they charge me an additional XXXX XXXXXXXX. I've submitted XXXX written requests and received a generic reply that they will get back with me in XXXX to XXXX business days but the request never goes any further.
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account XXXX XXXX has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company XXXX XXXX. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I wrote myself a check from my XXXX Bank account to be deposited into my Bank of America account. The account was {$3000.00} so that I could pay my mortgage. Bank of America took more than a week to clear the check. By the time they approved the check, a small bill had been pulled automatically from the XXXX and caused my check to bounce by the time the Bank of America cleared the check. This resulted in Bank of America trying to pull the check AGAIN. I was the negative {$6000.00} in the XXXX account because of Bank of America. I called them and asked them to STOP pulling the check repeatedly and to just clear the check so that I could use my own money. They closed my Bank of Account, resulting in me losing so much money. They refused to explain to me why they were closing my account and I tried to get answers and they wouldn't. Thus, I became behind on bills, had overdraft fees, late charges, etc. In total I lost hundreds of dollars from their lack of communication and negligence. At the end, I owed them no money, and in fact, they had to issue me a check back with my balance. 

WORST OF ALL : No Bank will open a bank account with me now. And I can't understand what Bank of America did to me to cause this. I am now flagged with XXXX XXXX XXXX for an UNKNOWN reason for something I never intended or did. I just wanted to move my money from one account to the other. I need to open a bank of account and this has affected me negatively financially and they're response has been, " We do not need to give you an explanation. '' I AM SHOCKED.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

I initially experienced issues getting my funds from a CD released via complaint XXXX then when those were released Ally proceeded to block my attempt of sending a wire. 
I initially the request well ahead of their cut off of XXXX XXXX. ( I sent it in XXXX XXXX  ) They claimed that they didn't have enough time to review it and did not send out my wire. in time. 
I needed the funds today for my title company for the purchase of a property and due to them it was delayed due to XXXX hours wasted trying to get my funds from a CD and then them not processing a wire on time.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

I have zero missed payments in the lifetime of my loan, I have no liens on my home, my LTV was at 80 % as of XX/XX/XXXX. 

When asked how to remove PMI, my loan servicer sent me a form in XXXX which precluded me from asking to remove PMI based upon the original value of my property - instead, they forced me to choose to request PMI removal based upon the current value of the property. This second option has criteria which are much more difficult to satisfy and my request was denied based upon those criteria. 

To request removal based upon the original value of the home is what is described in the Homeowners Protection Act and I have no way of choosing that option with my servicer. 

I am unable to reach or be transferred to the PMI department at my loan servicer, and despite having sent them a written request for PMI removal which they received XX/XX/XXXX - it wasn't until XX/XX/XXXX that they addressed the removal request and informed me that I was denied because they won't verify the value of my home without an accurate listing of recent structural improvements ( I paid them {$150.00} for a BPO appraisal which they now refuse to do without that listing ). They falsely claim that they contacted me and I did not reach back out. They are out of compliance with their own timelines for responding to a PMI removal request per the HPA, XXXX XXXX, and their own assertions in the PMI removal form they sent me.
Consumer complaint received 2022-02-26
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. (GA)

Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.
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: DISCOVER BANK (NJ)

I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX  and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Consumer complaint received 2022-02-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  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 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MO)

I was notified that my account was paid off and as a result closed the account. Discover card then contacted me and told me the account wasn't paid off and that they would not reopen the card but continue to charge me the balance until after it was paid. XXXX was notified and sent the charge through and then reverse the charge after I was told that it was handled correctly. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen
Consumer complaint received 2022-02-26
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. (IL)

I AM A VICTIM OF IDENTITY THEFT AND BACK IN XX/XX/XXXX I SENT IDENTITY THEFT DOCUMENTS TO THE CREDIT REPORTING AGENCIES REGARDING A FRADULENT ACCOUNT REPORTING TO MY CREDIT REPORT, ( XXXX # XXXX ) THE ACCOUNT WAS IMMEDIATELY BLOCKED DUE TO IDENTITY THEFT ON ALL 3 CREDIT BUREAUS. A WEEK LATER THE ACCOUNT WAS REINSERTED TO MY CREDIT FILE WITH NO 5 DAY NOTICE AS REQUIRED BY THE FCRA AND IS A VIOLATION. WHILE IN COMMUNICATION WITH XXXX IS HOW I FOUND OUT THE ACCOUNT WAS REINSERTED BACK TO MY CREDIT FILE. XXXX IMMEDIATELY BLOCKED THE ACCOUNT FOR THE 2ND TIME AND A FEW DAYS LATER THE ACCOUNT HAD AGAIN BEEN REMOVED FROM EXPERIAN AND XXXX ( FOLLOWED SUIT ) FAST FORWARD TO XXXX WHILE CHECKING MY CREDIT I REALIZED EXPERIAN HAD YET AGAIN REINSERTED THE FRADULENT ACCOUNT AND AGAIN NO REINSERTION LETTER WAS SENT TO ME WITHIN THAT 5 DAY WINDOW AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. I IMMEDIATELY SENT EXPERIAN ANOTHER ROUND OF IDENTITY THEFT DOCUMENTATION AS WELL AS A REINSERTION LETTER ADVISING THAT NOT ONCE BUT TWICE THEY FAILED TO NOTIFY OF A DELETED/BLOCKED ACCOUNT BEING REINSERTED TO MY CREDIT FILE. A MONTH LATER AND NO REPLY TO MY DISPUTE TO HAVE ACCOUNT REBLOCKED DUE TO VIOLATION OF THE FAIR CREDIT REPORTING ACT. THE ACCOUNT WAS NEVER REBLOCKED NOR WAS IT PUT INTO ANOTHER DISPUTE NOR HAVE I RECEIVED ANYTHING IN WRITING THAT MY DISPUTE WAS RECEIVED. I THEN SUBMITTED ANOTHER DISPUTE FOR IDENTITY THEFT REQUESTING THE ACCOUNT TO BE BLOCKED OR TO PROVIDE ME WITH VALID VERIFICATION OF HOW THEY VERIFIED THIS ACCOUNT AND ADDED THE ACCOUNT BACK TO MY CREDIT NOT ONCE BUT TWICE.I HAVE REQUESTED PHYSICAL DOCUMENTS THAT WERE USED TO VALIDATE THIS FRADULENT ACCOUNT TO REMAIN INACCURATELY ON MY CREDIT FILE. PER MY USPS TRACKING # XXXX MY DISPUTE PACKAGE WAS DELIVERED TO EXPERIAN XX/XX/XXXX AND 2 WEEKS LATER I HAVE YET TO RECEIVE A RESPONSE TO MY REQUEST FOR PHYSICAL DOCUMENTS TO PROVE HOW A FRADULENT ACCOUNT WAS ABLE TO BE ADDED BACK TO MY CREDIT FILE 2 TIMES AFTER BEING BLOCKED. EXPERIAN IS IN SERIOUS VIOLATION OF FCRA AND HAS REFUSED MY REQUEST FOR DOCUMENTS OR THE IMMEDIATE REBLOCKING OF THE REFERENCED ACCOUNT. THE CREDITOR, XXXX # XXXX HAS SINCE ADVISED ME THEY HAVE CLOSED THE ACCOUNT DUE TO IDENTITY THEFT AND EXPERIAN REFUSES TO INITIATE A NEW DISPUTE OR BLOCK THE ACCOUNT. AT THIS POINT MY NEXT RESOLVE IS FILING A LAWSUIT AGAINST EXPERIAN AND I PLAN TO DO SO IF THEY REFUSE TO HELP WITH THIS MATTER.
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, Thank you for reading my complaint : I had been contacted by a company name XXXX XXXX and they had offered me to fully Auto managed my shop and my business and I had spent few hours with one of their salesman and he kept promising me that they would be able to do this for me and I had told them that would be kind of impossible since after 30 years in business, it never worked in multiple times to reach this goal at least for me. They offered this service for {$15000.00} and they kept saying that they have ability to do all the work for me and I had to sit back and relax. They asked for {$5000.00} deposit and I paid them with my American Express card and very next day they sent me a link to go and watch 25 VIDEOS to be learned by me so I can know how to do this AUTO MANAGE for my business. This was more than JOKE and I called back and asked for refund ( The contract said that I have 30 days to cancel without any reason on both side ) and I had called less than 3 days. I'd opened dispute with American express and since then American express has made joke out me and keep closing the dispute case with no reason .I keep calling them and all of the dispute personal agree with me and tell me this is so stupid and unfair BUT after 2 hours the case is closed and we have to go on same circle again and again and again. I am not asking American Express for a favor and I have had supplied them with all information and documents they wanted me to but their dispute department do not care and they keep playing with me. I have called their super wiser and thought they would help but she ( XXXX ) kept talking none sense and telling me that, they paid this company and they don't want to make refund so American Express is loosing money!!!!!!!! Please can someone help me out here? Thank you so much again for taking your time and reading my letter.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

I bought ring for my wife from zales in XXXX dollars 3 years ago I had to pay minimum of XXXX dollars per month this is what the the sales man told me and I did the same thing.After 2 years I got a bill of XXXX dollars with interest charge so it came to the same amount where it started.They never send me any notice or email saying that I have to pay my bill in 2 years otherwise they will charge me interest.I tried to explain them but they don't understand.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I received an email on XX/XX/XXXX that stated that my XXXX account had been charged {$490.00}. It said if this was not my charge to call a number, I did this. They stated that they were from XXXX and needed my information to refund me the money. I gave them my Wells Fargo username and password. They accessed my account, transferred {$10000.00} from my Wells Fargo Credit Card to my Wells Fargo checking account, and wired that full amount from my account. They then attempted to transfer another {$4700.00} from my checking and savings account. At this point Wells Fargo called me and I told them that this was not me, they stopped the second transfer. I immediately went to the local branch and closed all my accounts. The manager stated that it would take 10 days and I would be reimbursed the initial {$10000.00} transfer. On XX/XX/XXXX, I received a letter from Wells Fargo stating that they were unable to recover the initial {$10000.00} transfer and there was nothing else that they could do. They closed the claim. I called and they stated that my only recourse to recoup this amount was to file a police report with the local police department.
Consumer complaint received 2022-02-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  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 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.