davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

http : XXXX On top there's a link that mention XXXX being discriminated and where place on high end mortgages because they where XXXX. Feel that I was discriminated because I am XXXX and Wells Fargo took advantage of my background. Need you to check if all documents since we began our mortgage with Wells Fargo were handled correctly.
Consumer complaint received 2019-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (CO)

We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX  or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ladies and Gentlemen, I have 2 credit cards issued by Bank of America with credit limits of {$2500.00} and {$13000.00}. the second card i have for the past 16 years and must have transacted several 100T USd on this account over these years and been paying regularly.

I have a XXXX  issue in the past couple of months but i was paying the minimum amount due every month and unfortunately i missed 1 payment on one of the accounts for $ XXXX  and 2 payments of XXXX for the first account which was not intentional and unfortunately they blocked my ability to pay it on line when i have funds and instead they were presenting cheques to my account.

They cancelled my card with credit of {$2500.00} in the first week of XXXX  and inspite of getting a payment from me for the second card on XXXX of XXXX for {$250.00} they cancelled my card with limit of {$13000.00} on XXXX of XXXX.

By cancelling these cards, my credit scores are heavily impacted and hence i request you to kindly reinstate these cards though i am not using it and only make minimum payments. I am also trying to at least get this down to 50 % in the next months expecting some long due payments to me.

Another problem is that i am unable to make payments directly as i was doing for many years and you are debiting my account by cheque on due dates. I am sometimes aware of this only after the cheque is returned and then i try to go on line and make the payment, i dont have access to it. I have to again call BOA and make the payment and hence please reinstate my ability to be able to make the payments directly by bank transfer. This way i can make payments whenever i have excess cash in my bank account.

I am a BOA customer for the past 17 years and for missing a minimum payment i dont disserve cancellation of my credit accounts. I have been paying regularly except in the near past.

I am willing to clear the past due amounts in my account and also make the payments on time on both these accounts going forward however i want the credits on these accounts reinstated or a new card issued me with the same credit levels that it does nto impact my credit scores XXXX XXXX :
Consumer complaint received 2019-01-23
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: CL Holdings LLC (LA)

I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX   came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont
Consumer complaint received 2022-08-16
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. (TX)

Upon reviewing my reports, incorrect information are being reported in my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-28
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: SRA Associates, Inc. (MI)

paid off a home equity account on XXXX-17 to SRA Associates who was a debt collecter for XXXX XXXX for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to SRA associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from SRA is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Consumer complaint received 2022-08-16
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. (GA)

Credit reporting agencies : XXXX, Experian, XXXX. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
XXXX XXXX Experian reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Consumer complaint received 2022-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MI)

XX/XX/2022 I submitted a request for the cancellation of a duplicate ticket. Until this time I was unaware there was a duplicate ticket and when I became aware I immediate contacted alternative airlines because I also purchased cancellation protection in the event I had to cancel my ticket. However, upon requesting to cancel duplicate ticket I received many conflicting messages from the ticket has be cancelled, I only had one ticket and needed to change the date, and there is no duplicate ticket. Eventually I was told that I could not cancel the ticket after 24hrs ; by which the ticket was allegedly purchased on XX/XX/2022. I continue to explained to the representative that I could not afford to pay for the duplicate ticket as to I do not need it or can use the ticket. They continue on to say that they could only could give me credit. However I am not a big traveler, and I don't foresee me needing this credit for future travels. This trip was my friends birthday trip by which I was invited to go and it turned into a nightmare.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MD)

XX/XX/2014, I was accused of living in an apartment in XXXX, GA. While attending college my wallet was stolen, in my wallet included my ID, credit and debit cards, and my social security card. I assume that this took place in the duration of my Junior year. I was living on campus at XXXX XXXX and never had a need to live off campus.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have had this credit card for 8 years. I maxed out the balance at {$2200.00}. Each time I paid down over {$100.00} I called to decrease the available balance. I lowered it to {$1100.00} and have been making payments regularly. 
I received a letter stating that they were not going to renew my card.

After speaking to customer service I found out that it was because my credit score had gone down. Even though I was never late on this card they still closed it.

Now my credit score will go down even more.

I think this is unfair.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

FIRST FEDERAL CREDIT C took my identity and reported false information on my consumer report. I don't know who they are, I have never heard of them, and they cause my scores to decrease by 65 points. I never received any letter in the mail to have the ability to dispute or ask for a debt validation letter. A day before I was supposed to apply for more credit, I was alerted that my score I went down. I am holding this company responsible for the amount of money I was supposed to receive, but did not because of this adverse information. I don't even know what this alleged debt is for. I have attached a page of my consumer report
Consumer complaint received 2021-08-19
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. (LA)

I contacted XXXX XXXX Services on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with XXXX, Transunion, and XXXX also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-01
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. (PA)

My name is 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.
Consumer complaint received 2022-08-16
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)

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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 Thank you once again for the concern
Consumer complaint received 2022-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (IL)

I received notice from PROFESSIONAL PLACEMENT SERVICE LLC about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PROFESSIONAL PLACEMENT SERVICE LLC on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Once again on XXXX XXXX I sent PROFESSIONAL PLACEMENT SERVICE LLC another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for XXXX. Account number XXXX XXXX. Account number- XXXX XXXX. Account XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

In or around XX/XX/2021, I became a target of an intricate scam orchestrated by an individual identified as the " Professional Scammer '' ( referred to as the " Scammer '' ). This elaborate operation was designed with the explicit intent of robbing and defrauding unsuspecting individuals. Subsequently, a sum of XXXX USD was wrongfully transferred from my account through Cash App to the individual identified as the scammer, XXXX XXXX, utilizing Cash App 's services.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc. (MO)

I'm recently financing 16 solar panels through Renovate America. 
According to their records they have me financing 20 solar panels. 

I only have 16 on my roof. 
I've asked for someone to come out and give an inspection, but the only response is we'll call you back. Its been 3 weeks now.
Consumer complaint received 2018-02-28
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. (FL)

The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.
Consumer complaint received 2022-07-12
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)

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-01
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.