davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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. (CA)

On XX/XX/2021 and XX/XX/2021 I sent a dispute letter to Equifax to remove incorrect information that is in direct violation federal law. 
This is a collection account, that is reporting as " OPEN '' collection accounts should not report as an OPEN account. There is a past due account reporting which on a collection account it can not be past due, this should be at a XXXX balance, In XXXX of 2021 in the two-year history randomly a 120 day late was reported, which is impossible to do on a collection account. 
They have not investigated this, nor corrected it. its been over 4 months and by law this account should be removed.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item 4 times since XXXX XXXX  to XXXX, Experian, and XXXX stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (TX)

I opened a Kabbage by American Express checking account three months ago. I was using the account without issue, when suddenly they locked the account as a fraud preventative measure. The problem is that Customer Service is non-existent. I can not get anybody to pick up the phone ( after waiting on hold for over two hours ), respond to emails, or respond to secured messages from within the checking account interface. They appear to have ceased all communication with myself and many, many other people, judging from data points reported on the internet citing an identical experience : opened an account, used regularly without issues, sudden locking of the account, and a refusal to answer questions. 

The account also has money in it that I can not access or withdraw. They are holding my own cash hostage.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

I used PayPal to send funds to a person in XXXX. The locked his account so he could not access the funds sent. When I complained to them, they noted that the funds were transferred, but they will not release the funds. 

I have contacted them to either release the hold on the funds, or return them to me as they have not completed the transaction as agreed. They have failed to do either and are utilizing " Bots '' to chat with me instead of a human. 

This is rather frustrating as I have been using PayPal form many years and now this situation is a huge concern. It is at the very least Fraud. These funds have NOT been release to the recipient, and I have had to wire them additional money due to PayPal not following through on their promise. 

Simply put, they either need to release the hold on the funds, or they need to return the funds to me including the fees paid because the service has not been provided.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a physical Amex Gift Card for the value of {$50.00}. I attempt to purchase merchandise on XXXX and the transaction is declined. I then tried again with various other amounts less than the full face value.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (FL)

On XX/XX/XXXX I bought the car XXXX XXXX XXXX XXXX XXXX. The car was financed via loan from XXXX XXXX XXXX On XX/XX/XXXX I fully paid off the loan as evidenced by statement of termination from XXXX XXXXXXXX XXXX and also letter of confirmation dated XX/XX/XXXX ( 5 years ago ). 

On XX/XX/XXXX I decided to sell the car and applied to Florida DMV for the title. They informed me that the car has a lien from Ford Motor Credit Company XXXX XXXX and that I need to contact them to remove the lien. I reached XXXX XXXX XXXX at the phone XXXX XXXX XXXX, the operator informed me that that there do not have any records of lien and will issue the letter to remove it and it would take 3-5 business days. I haven't received the letter in this time frame and called again on XX/XX/XXXX, this time they promised to send the fax with lien release, again nothing happened despite the fact that it was promised to be sent in 2-3 business days. Today, I called them again and they promised to send the letter again. 

I'm incurring cost as a result of unlawful actions of Ford Motor Credit Company ( they have no rights to stop me selling my property and repeatedly not acting in a good faith to resolve their negligence ), I bought a new car and now have to pay extra parking XXXX dollars per day, car insurance around XXXX dollars so far, and interest for the loan for the new car since I can not sell the old car and repay the loan for the new car. Also the value of the car might change due to delay. 

Actions of XXXX XXXX causing me considerable financial and emotional distress. Also I would like to ask regulator to inspect dealing of Ford Motor Credit with other consumers since this might be the case of systematic unlawful actions towards consumers and an example when a big company abusing small consumers systematically.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am not liable for this debt with midland credit management. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original application with my signature like i asked. 

A dispute letter was sent out to the debt collectors. this Unauthorized Account is reporting negatively to my credit report and i would appreciate it if this account was deleted off my credit report. 

Date Account was opened XX/XX/2020 Amount they say i owe {$740.00} Debt Validation letter
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Between Customer and Quicken Loans 1 ) Customer : We received a letter from XXXX that stated the mortgage company was amended to quicken loans effective XX/XX/XXXX - there was no closing date set, and earlier correspondence only indicated target closing by XX/XX/XXXX. We've received this for our home insurance and earthquake insurance, and I've attached examples for both. Did the loan underwriter specifically ask for both our home insurance and earthquake insurance to be updated? 
Quicken Loans : We request these just because were paying off the old loan and establishing the new loan. 

Customer : There never was a closing date set that would have permitted the change to be set up, and our insurance company has flagged fraudulent activity and incorrect records. 

Quicken Loans : The closing date we have on file is an estimated closing date, as we move a little bit closer to getting this wrapped up and completed for you someone from our closing team is going to be in touch with you as to a good time and a good date to close! 

Customer Concerns : the loan still had not closed as of XX/XX/XXXX, at which point SafeCo insurance had reflected Quicken as the current lienholder for over a month, as requested by Quicken loans in late XXXX. 
Our insurance agent would be happy to speak further about their POV that this is fraud by quicken loans. 

2 ) Customer : Can you provide an explanation of where we specifically agreed in writing to allow credit to automatically pull again due to the timing lapsed in the loan? 
( credit was originally pulled XX/XX/XXXX XXXX Quicken Loans : The credit report that we originally had on file is valid for about 90 days, once the credit report has hit that mark then we must repull a new one and get the updated report on file. It looks like due to a recent credit inquiry on XX/XX/XXXX we were verifying no new debt or further credit was extended to either of you. 

Customer Concerns : The credit report is said to be valid for 90 days, but credit was re-pulled at 60 days. And we did not receive a clear explanation of where we authorized automatic credit pull in the future.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank is a new bank for me, and they gave me 4 checks that I could use, first I tried XXXX XXXX XXXX and they said the check was no good then I tried XXXX   gift store and they said the check was no good, why is TD bank giving out bad checks. This has been most embarrassing.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (MA)

My car was repossesed on the night of Monday the XXXX without any notice. I did not receive any notice, trackable or otherwise, regarding this impending repossession. Had I, I would have taken every action to prevent it. 

I am hoping to get the vehicle back and I am willing to work with JP Morgan to get my account up to date and can make another down payment by XX/XX/XXXX. The amount they are asking for is however impossible. 

I called JP Morgan on the XXXX and they told me that I would have to pay the full amount ( around {$21000.00} ) left on the loan. 

Per Massachusetts Law, I believe I am also allowed up to 20 days to pay the loan. They did not give me this. I was informed of the amount due on the XXXX of XXXX and asked to pay by XX/XX/XXXX. I have included an audio of them informing me of these terms. 

I have spoken with a lawyer and he strongly believes they are placing these impossible conditions due to the vehicle shortage currently occurring. He advised me to reach out here. 

I am hoping for assistance advocating for myself in this situation and mediating with JP Morgan. Any assistance is truly appreciated- thank you.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I made 2 payments for a total of {$3100.00} via Zelle from my XXXX bank account. The payments were made to fraudulent individuals for rent for an Apartment that did not exist. Zelle and our bank XXXX offer no assistance in tracking down the internet scammers. I have also filed fraud reports with my local police department, Zelle, the FTC and the FBI internet crimes.
Consumer complaint received 2022-06-15
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. (CA)

INACCUCRACIES ON CONSUMER REPORT XXXX ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XXXX I mailed a {$1600.00} ( title agency ) check to comenity bank to pay off my XXXX  XXXX  account. At that time I wasnt aware that XXXX had switched from comenity to XXXX  XXXX. When I realized that XXXX had switch companies I called comenity immediately to let them know what happened. Comenity reassured me that when they received the money they would immediately forward it to XXXX  XXXX. I kept checking the status with both companies. Both companies told me they neither of them have received the money. I then reached out to the title company to see if the check had cleared yet. The title company that issued the check said yes, that the check was cashed by Comenity bank on XXXX and sent me a copy of the cleared check. I called comenity and they said they never received the money but if they did it would have been sent over to XXXX  XXXX and that I should check with them ( XXXX XXXX ) I have called and checked with XXXX  XXXX and they dont show any record of comenity forwarding the money to them. I keep calling and reaching out to both companies and no one know where the {$1600.00}. I have been told by both companies that neither of them have the money.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rate Plus, Inc. (OR)

I've received several letters that appear to be from my mortgage lender but are actually advertisements from Rate Plus Inc. ( XXXX ID XXXX ) offering to refinance my mortgage with them. I'm worried that someone who reads less closely could be tricked into refinancing with a less reputable lender when they thought they were refinancing with their chosen lender.
Consumer complaint received 2018-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018, Transunion sent me an updated copy of my credit report. After reviewing the report, I discovered that 2 out of the 5 previously disputed, unverified item were still on my credit report. ( XXXX # XXXX XXXX XXXX # XXXX  ).

Ive informed Transunion numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Transunion.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Transunion copies of the application, agreements with my signature. I respectfully request that Transunion open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, Transunion has reinserted two collections accounts that were investigated and deleted from my report dated XX/XX/2018 ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive a five ( 5 ) day re-insertion letter as outlined in the FCRA 611. Please delete said account immediately.
Consumer complaint received 2022-02-02
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. (TX)

Hello, I recently reviewed my Credit Profile and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Consumer complaint received 2022-02-13
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. (NJ)

My XXXX credit card has been closed for over 5 years and paid via settlement. Experience continues to report it as open with a {$950.00} balance. I've disputed this several times only to get results that's say " reported information accurate ''. This mistake by the credit bureaus as well as XXXX has affected my score negatively.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

There was a fraud charge made mid to end of XXXX. I notified Comenity Bank which is the bank that issues the cards for Victoria 's Secret. They stated they will start a fraud dispute and issue a new card within 7 business days. I have called them more than four time and also spoke to a supervisor. I have not received any letter showing the dispute for fraud charge has been started, I have not received the new card as promised. I dont want to be charged any interest and they refuse to issue a new card when account was in good standing, they refuse to send any written adverse letter with any reasons as well as refuse to send a letter showing the dispute has started. It was sent to a property in another state and they continue to say they will send a new card and letter however when I call they say there doing a system update for the last month.
Consumer complaint received 2022-07-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/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
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

This company was engaged in predatory lending. I paid off this credit card then they hit me with numerous late fees without ever informing me of the continued charges even though the card was paid off. It's severely damaged my credit and has made it impossible to use any credit since.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.