davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-01-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} XXXXus dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX  account # 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On my credit report there is a hard inquiry from XXXX XXXX XXXX. This hard inquiry is two years old and thus it should be deleted from my credit report. Delete XXXX XXXX XXXX hard inquiry from my credit report as it has passed the time of limitation for it to be on my credit report. 
Delete XXXX XXXX XXXX from my credit report immediately please.
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry on my credit report from XXXX XXXX Bank. I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX 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 2022-04-04
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: Experian Information Solutions Inc. (IL)

XXXX XXXX on these dates disputed below without a response or awaiting 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 2022-04-04
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: EQUIFAX, INC. (IL)

XXXX XXXX  on these dates disputed below without a response or awaiting 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 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint. 

This is an update of our original request for assistance from your office. 

In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement. 

XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same. 

It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines. 

XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home. 

Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her. 

In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to. 

When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.
Consumer complaint received 2023-03-22
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

All online reporting services are reporting my score to be between XXXX  and XXXX. My equifax online shows XXXX. However, when I tried to refinance my mortgate, I was denied as Equifax is stating my credit score is 100pts less. I looked into this, and it still showing online points higher than it was when pulled. 

I then tried to co-sign on a loan for my son, and the same thing happened. Denied because they are reporting XXXX. Every online service reports higher FICO score numbers. 

When I Call equifax, they say when determining credit for loans, its a different model. That seems misleading, when all the sites you check to complete your due diligence, are reporting higher. Nowhere on any sites does my score show a XXXX. NONE. only when pulled by equifax.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (MI)

I have a jewelry account that is held through Wells Fargo. I have XXXX promotional balances that are currently active. XXXX is equal payments with a fixed interest rate of 9.9 % and XXXX are interest free if paid within so many months ( interest rate if not paid is 28.24 % ). I paid additional payments that I wanted to apply to the no interest balances so that they would be paid off within the promotional period. Wells Fargo applied the additional payment to the balance with the lower fixed interest rate. I called them and they refused to re-allocate the payment. This will make it impossible to pay the balances that expire within the next 10 months unless I pay XXXX payments of over {$700.00} the last 2 months prior to the promotion expiration.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX 2016 I had snow damage to a aluminum awning that is attached to my house.State farm issued a check made payable to me and to Wells Fargo.Well Fargo will not release the funds to me so that I can get the damage fixed. 
They told me it has to be monitored. They want to release funds to contractor in increments. This process is impossible because it only takes contractor one day to complete. my loan is current and the amount is XXXX dollars which is under their threshold. I can not get this fixed until they release the funds to me. This awning is about to fall and I really hope nobody is under it when it does fall.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

Had a balance with a XXXX XXXX XXXX 's office, for an oral examination of my right front tooth, on XX/XX/2021. I received a letter sometime in XXXX asking for {$92.00} for my visit. Emailed and called his office many times, trying to pay my balance. On XX/XX/XXXX I finally got in contact with someone from his office and paid my balance of {$92.00}, with my credit card. Someone from a Bay Area Receivables contacted me later that week asking for payment for XXXX XXXX 's office. I told that person I had already paid my bill and I was told money was still owed to the collection agency. Informed them to take the matter up with XXXX XXXX 's because they hired them and accepted my payment. I knew nothing of the collection agency 's agenda till after I had settled my balance and did not appreciate the phone calls to my personal phone. This matter is between XXXX XXXX 's XXXX and Bay Area Receivables. I did not agree to pay for, nor did I receive any services. My account is paid in full to XXXX XXXX. I have a credit card statement to prove it.
Consumer complaint received 2019-06-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (CA)

I applied for a CD  online with Comenity Bank on XXXX XXXX, 2019. I was given an automated message that my application was denied without further explanation. I never received a letter in the mail with further details. I called the customer service number provided multiple times and each time the representative explained that the decision was made by " the system '' and that no one at the company was given further information information on the decision. They offered to let me re-apply to ensure there were no " errors '' but the system will not allow you to re-apply with the same e-mail address.
Consumer complaint received 2023-03-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-03
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. (IL)

I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but Equifax and XXXX refused.
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have fallen a couple of weeks behind on an Oportun loan and they are constantly harassing me by phone, harassing the person 's in which I gave Oportun their phone number for reference by telling them that they can not contact me when I have been in contact with them by phone at least once per week and usually twice per week with payments or updates. I received a letter from them today threatening to sue me over the late payments in which they claim that I am 47 days late and have {$230.00} overdue.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I paid off my Synchrony Lowes account. After this account was paid, Synchrony added a couple dollars of interest. I was not made aware of a new charge, and the card ended up getting late payments. Once I was made aware, I immediately paid the account off, again. Now Synchrony is refusing to remove the late payments, despite adding interest to the account after I paid it full. I later received a notice from Synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off. They are using unethical practices and are taking advantage of me and it is extremely frustrating. These late payments should not be there!
Consumer complaint received 2019-06-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP US DEPT OF ED/XXXX XXXX, US DEPT OF ED/GSL/XXXX XXXX, US DEPT OF EDXXXX XXXX,
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MO)

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX AND XX/XX/XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by American Express XXXX On XX/XX/XXXX and XX/XX/XXXX, I applied for XXXX XXXX XXXX and The American Express XXXX XXXX XXXX XXXX for my business XXXX XXXX XXXX. I received an invitation to apply through U.S Mail. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 5 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX and XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Federal law supersedes any company policy you may have. This matter will also be reported to your regulator. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 2018 ; XXXX 2018 ; and XXXX 2018, 30/60-days late? - how? ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank issued the XXXX XXXX Credit Card, which includes a benefit for up to a {$50.00} statement credit for online subscription services after spending {$5000.00} or more on the card per cardmember year. My cardmember year starts on XX/XX/XXXX and end on XX/XX/XXXX, the next year. I've spent more than {$5000.00} during the XXXX cardmember year, with {$44.00} in approved subscription services XXXX XXXX, XXXX XXXX XXXX. As of XX/XX/2019, 45 business days after the end of the calendar year, XXXX has only issued {$14.00} as a statement credit for those subscription services. They are missing {$30.00}. I have tried resolving this issue directly with XXXX four times, one via phone and three times via secure online messaging. They have not agreed to issue any statement credits.