davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

At the beginning of XX/XX/2019, I opened an account with American Express ( AMEX ) and qualified for their Business Platinum charge card. They had a promotion where if I spend XXXX during the first XXXX   months I get XXXX AMEX points. I also added my brother to the account since he is the business manager for my company XXXX, XXXX and this is a business financial product. Post-approval and post me spending the XXXX as advertised on their promotion and not owing AMEX XXXX dollar or being behind on any payments due, they proceeded to perform an income verification using my tax records from the IRS which I completed a form provided by AMEX and authorized them to perform the income verification. Upon doing " their due diligence '' they decided to put a limit of XXXX on a card that according to them has " No preset limit ''. Not only do I make more than enough money to afford this product they also restricted me from using my points and now I have to make a payment first every time I'm going to use the card in order to have that balance available for use. This is extremely discriminatory since I'm a person from Hispanic descendants and my last name is XXXX they feel that this is ok, It's flat out degrading and humiliating as a business owner. I have proven myself financially to them yet they chose to discriminate against me. If I add an additional user to the card and we both use the card for the sake of the business ( XXXX, XXXX ) why does it matter who spends what as long as it's paid on or before the due date established by AMEX which I did with no issues? They have cost me almost XXXX of phone time calling in about issue after issue including my card getting declined after I spent over an hour discussing why is my card getting declined. Please help I'm sure they are doing this bait and switch to others out there.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MI)

I ordered checks from Wells Fargo ( XXXX actually prints them ). They were mailed to the correct address, however the checks were printed with my husband 's ATM PIN number rather than our house number. We're concerned that XXXX, or even Wells Fargo for that matter, would know our private PIN number.
Consumer complaint received 2022-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

used my Bank of America XXXX credit card to purchase a hair dryer from XXXX XXXX on XXXX. The hair dryer stopped working on XX/XX/XXXX. Since XXXX only offers a 2 year warranty and I was offered a one year extended warranty though Bank of America, I filed a claim timely per attached. This claim was denied because according to the bank, they changed their card from XXXX to XXXX around the middle of XX/XX/XXXX, per the attached email and supporting credit card statements from XXXX and XXXX of XXXX. 
At first the bank denied the claim as they requested a copy of a repair bill, I asked them to read the transcript attached from the manufacturer stating I needed to include a repair bill. The manufacturer clearly stated it had to be replaced. 
The second time the claim was denied because they told me I used XXXXthe wrong credit card XXXX, so they asked me to resend proof the card actually changed from an XXXX XXXX a XXXX  which I did. 
After looking through my emails, which I attached bullet point XXXX on the XXXX accelerated rewards replacement email - I was encouraged through Bank of America XXXX continue using my card - when I now understand those benefits would not exist since their contract changed with XXXX XXXX 
In a nutshell, BOA is pinning me between XXXX and XXXX to attempt to get my {$420.00} back when this is BOA issue. Simply because they changed and keep telling me my benefits didn't doesn't make sense. I am requesting Bank of America refund me the money I am out for timely utilizing a benefit they keep telling me doesn't exist. 
All supporting documents show the purchase, full statement with the purchase, statements from when the card was changed, XXXX warranty information, chat with XXXX, claim, and emails from BOA stating everything is the same 'including benefits. ' I feel I am and probably millions of other people are being taken advantage of. This benefit is up to {$10000.00} per transaction for up to XXXX per year. I have been a customer for perhaps XXXX + years and I am asking for a {$420.00} benefit. I'm afraid they are doing this to potentially millions of customers
Consumer complaint received 2023-02-10
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 
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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convections of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I recently purchased XXXX MoneyGram money orders in the amount of {$500.00} in a small town in XXXX XXXX, unfortunately these were stolen from my residence. Whom ever took them took the other portion of the MoneyGram money order check also. The checks were completely filled out by me personally to whom the receiving end would be with MY name & address on them. I have no way of finding these # 's on these $ orders & am getting NO help from MoneyGram at all without the numbers! I KNOW there could not have been very many orders purchased for that amount in this area. I also KNOW they have access 2 that kind of information & I have none. So now I am behind 2 months rent instead of being 2 months ahead! I have a feeling I know who stole them & could also figure out either where they cashed them or possibly deposited into there personal bank account. I can guarantee the orders were tampered probably with white out which should be a HUGE red flag but they more than likely they deposited them into their bank account after hours knowing there would be nobody XXXX question them. I doubt they even erased MY name from the orders plus u can completely see the handwriting difference in his writing & mine, it HAS helped me in my defense before.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Dear Consumer Financial Protection Bureau : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute due to a " fraudulent account '' on in my credit files with XXXX, XXXX, and XXXX.

REASON : The reported account by the Portfolio Recovery collection agency is unverifiable and fraudulent ( # XXXX ) : 1 ). Hence, I am disputing the fraudulent collection account in the amount of {$1300.00} ( {$1300.00} ).

Within thirty ( 30 ) days, please permanently remove the aforementioned Portfolio Recovery Associates collection account from my 3 credit files / reports. I also request you verify the FRAUD ALERTS are in place on my credit files. 

Warmest Regards, XXXX XXXX XXXX, XXXX, XXXX. 





CC : XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates, LLC., XXXX, XXXX, and XXXX.
Consumer complaint received 2023-02-10
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. (MS)

I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NY)

According to code 15 USC 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX Southwest Credit Systems on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.
Consumer complaint received 2023-06-24
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: Kimball, Tirey & St. John LLP (TX)

No proof provided under estoppel by silence ( Engelhardt v. Gravens ). I dispute debt, owe nothing to KIMBALL, TIREY, & ST. JOHN LLP. CA statute of limitations ( Code of Civil Procedure 337 ) may apply. Cease collection, requesting permanent removal from all major and secondary credit bureaus.
Consumer complaint received 2020-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 
The Company is loan Depot, my loan number is # XXXX my name is XXXX XXXX
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

My student loans were paid off with Mohela on XX/XX/XXXX. I also made payments in XXXX during the CARES act student loan pause. My goal is to have all student loan payments made during the CARES act pause reinstated to my account so that I may apply for the {$10000.00} in student loan relief. My loans have only been serviced through Mohela for this entire time period. 

XX/XX/XXXX - I submitted a request for a financial summary of all payments made during the CARES act pause. 

XX/XX/XXXX - I called Mohela and requested that all student loan payments made during the CARES act pause starting in XX/XX/XXXX be refunded to my account. I was told this was in progress and it would take 30 - 45 days. I requested written verification be sent to me and they told me they could not do that. 

XX/XX/XXXX - I received the requested summary requested XXXX in my inbox on the Mohela site. It shows the balance going to XXXX for one loan ( that I paid off in XXXX ). For the second loan, it shows no payments after XXXX and does not show the balance going to zero. This loan was paid off in XXXX. The last page says " Financial Activity Summary Continued on Next Letter '' but there is no next page. I can see on their website that my last payment was made in XXXX ( have screenshot ). 

XXXX - I have not received a refund of any payments. I called Mohela and was prompted to enter my account number or SSN. I entered my loan number and the automated calling system is now saying they can not find me in the system and hung up on me. I called again and tried entering my SSN and same thing happened. I then sent a message to Mohela through their communications portal outlining the above. They have not responded. 

XX/XX/XXXX - Tried calling again to see if there was a glitch in the system last week. The automated system gives me the same message that they can not find me in the system via either my loan number or SSN and automatically hangs up. I can still log in through the Mohela website and see all of my account details. 

There is no email address for Mohela on their Contact Us page and they have made it impossible to connect with them. At this time, they are refusing to refund my loan payments made during the CARES act payment pause. These are all federal loans. This is time sensitive due to the deadline for the The XXXX Administrations Student Debt Relief Plan. I am going to lose thousands of dollars due to the fact that they are refusing to comply with both their policy and the law.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IA)

Hi my Im having a big issue with XXXX I never had account with them before in XXXX I seen a collection on my credit report from then I co reacted then XXXX XXXX after a few months or so the credit Bureau took it off my report for fraud it was in XXXX it happens again I could reacted XXXX XXXX again immediately complained I never had acct with yall its fraud once again the credit burea took it off now again XXXX there sayin theres multiple accounts in my name I complained again said how when I never had XXXX before the guy on the phone from XXXX then tells me that someone used my info I said thats fraud he tells me a female used my info and there policy is if someone has somebody info then there allowed to go threw service I was furious like how this is my life my credit fraud how can yall let them do that he said because they had my info something needs to be done about this the credit bureau gave me yall info told me reach out ASAP to let yall no whats goin on so something could be done about it please let me no what steps I should take or do to stop this from keep happening thanks a lot
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act, 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 2021-07-21
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: Bread Financial Holdings, Inc. (NY)

these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (KY)

Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side
Consumer complaint received 2021-03-09
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. (OR)

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( seventeen years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX XXXX XXXX Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that XXXX XXXX XXXX XXXX could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (TX)

Telerecovery was contacted by certified mail on XX/XX/2022 for a debt validation ( certified letter attached ). I requested the original contract bearing my signature & that I have a contractual obligation to pay Telerecovery, {$150.00}. Telerecovery has reported on my credit bureaus that the account is medical debt. Due to the fact that I have no contractual obligation to pay Telerecovery, Telerecovery should not be in receipt of my medical information. This is a clear violation of HIPPA.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with XXXX XXXX explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine. 

I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX