davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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: CORELOGIC INC (NJ)

There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount without my written instructions
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (AL)

Hello, I spoke to the original debt collector about removing this inaccurate information they sent to Aldous & Associates. Aldous & Associates have not responded nor do they answer the phone pertaining to debts.
Consumer complaint received 2023-05-01
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. (TX)

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PREFERRED CREDIT INC (FL)

XXXX came to my house and showed me the water test when I considered getting a water system. Upon the completion of the water test, i informed the dealer that I have no plans of getting their water system and even filed a complaint with all XXXX companies that they do business with. I never needed financing for the water system that XXXX sells and at no time authorize XXXX to send my information to a different company requesting finance options. I told the dealer prior to leaving my house, that I was NOT interested in the water system their company provides. Now a year later, I reviewed my credit report and Preferred Credit , Inc. placed an inquiry on my credit report which is in violation of the Fair Credit Reporting. At no time did I give this company authorization to place an inquiry on my credit report or view my credit report. I have attempted to request any documentation or record that the company claims to have proving authorization to place an inquiry or view my credit report and was not provided any. Instead I was provided a one page document that the company drafted that states what they believed happen in reference to the inquiry being placed. NO PROOF of authorization was provided. 

I submitted ( XXXX time ) another complaint requesting the document with my signature showing that I authorized Preferred Credit , Inc to inquire and review my credit. The document was not provided, instead they provided a screenshot of my basic information manually inputted into their system. Nothing was provided with my signature on it.

I also called Preferred Credit , Inc. to discuss my concerns about them fraudulently obtaining my information and submitting a credit inquiry. The representative explained that the information was partially submitted by the dealer and no document with my signature was ever receive. The representative put me on hold and requested authorization from manager, the manager approved the representative request. The representative stated that the account would be completely closed and for me to dispute the inquiry with the bureau ( Its only reporting on one bureau, not any others ) and it will be removed. She stated that if I have further issue to call the company back. Now receiving this as a response, demonstrates the lack of communication between departments.
Consumer complaint received 2024-05-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stellantis Financial Services US Corp. (MD)

We were XXXX  days late on car payment. 
They contacted my wife 's work and left detailed message with a coworker about the debt, how long it was past due, etc. And this after telling them not to contact work and payment arrangement was made but not processed.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (GA)

There have been at least XXXX or XXXX instances in which I have tried to make a transfer from my business account to my personal account. Every single transaction gets flagged and delayed in the transfer of the funds. I have had to call and speak with an agent time and again to request that the transactions between my own accounts not get flagged. However, this continues to happen no matter how small or large the amount is.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (PA)

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

My car payment is every day on the XXXX of each month. On XX/XX/year> I made my payment, which was a payment on time. This payment was correctly reflected on my account statement. However, GM Financial bank processed the payment on XX/XX/XXXX. Which indicates that I supposedly paid out of time. This generated a report on my credit report that I paid XXXX  days late when that is not true. The bank explained to me that even if I paid on time, I should have taken into consideration the banks ' possible payment times. Something that is not stipulated, they also indicated that they received the funds on XX/XX/year>. When my account bank statements that I sent them via fax showed the payment on XX/XX/XXXX on time and no more charges on other dates later. I am in the process of entering the XXXX XXXX as an XXXX for a special XXXX XXXX XXXX XXXX XXXX and I explained to them that this error would delay my security clearance process. They told me that it could be a system error but that they could only notify the XXXX system and resolve it in the future.
Consumer complaint received 2023-04-29
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: JPMORGAN CHASE & CO. (FL)

JPMCB AUTO Balance {$8500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX  Balance {$1600.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MA)

I was an active customer on papal for the better part of a year and had not conducted any nefarious activity with my account, I did not break any rules and always complied with any requests that paypal would make that i do at any time. 

on XX/XX/XXXX, out of nowhere, at XXXX XXXX! I get an email that states my paypal account, that has well over {$4000.00} in it is limited. I then am very upset and conserned as they do not give any specifics to why this has happened, or what will happen to my funds in the account. 

I then get another email from paypal stating they are perminently closing my account at XXXX, mind you I am asleep and waking up to this insanely distressing news. Paypal also states in that email my {$4000.00} will be held by them with no interest being added for 180 days to cover any charge backs that may occur on my account. And that i would receive an email after the 180 days about how to receive my funds that were left in the account. 

We are now in XX/XX/XXXX! Paypal has NEVER sent me anyhting about anything! They literally have blocked my email from even resetting my password. essentially I am permenantly blocked and they have stolen my money! I want justice and my money asap! PLEASE HELP!
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Changes Account # XXXX Whomever : Har Har Har LOL ROFL Thats a good one!!! XXXX % interest. Great joke everyone. 

What? Wait? You mean this is NOT a misprint? Are you XXXX  kidding me? 

XXXX ( not only no but XXXXno ) Does your greed know no bounds? 

I have had this account since XXXX. In that time I have never needed to finance any purchase on this account and I seriously doubt I will ever need to in the future. Having said that, why would I choose to do ANY business with a greedy XXXX company like Shell? 

I REJECT these changes and instruct Shell to close this account immediately. 


Sincerely, XXXX XXXX XXXX : Congressman XXXX XXXX Senator XXXX XXXX Senator XXXX XXXX Consumer Financial Protection Bureau
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (LA)

A dispute was opened against LexisNexis ( case # XXXX ) in regards to an " At-Fault '' accident being shown on my CLUE report, resulting in higher insurance rates for myself, which is inaccurate as I have not been in an at-fault accident on the date listed. After contacting XXXX XXXX to get confirmation, LexisNexis is showing that a glass claim is being inaccurately reported as an at-fault accident on my CLUE report. 

I have given LexisNexis the information from XXXX XXXX that shows that I was not involved in an accident, and that this is only a glass claim. After submitting this information to LexisNexis, I have only heard back once from an automated email asking me to send in additional documents to prove my identity, which was already done prior to this email ( XXXX ). 

LexisNexis has been unresponsive to my emails and is not willing to resolve this case.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (WA)

I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal.

I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel.

However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain.

I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the Better Business Bureau ( BBB ) as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. 

Furthermore, I diligently communicated this issue to my property management company, Personal Property Management ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio.

Conversely, AppFolio, in their responses via the BBB complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees.

As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts.

My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. 

I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated.
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NC)

I took a personal loan out with one main a little over XXXX I was approved when I arrive the representative had add on fees of towing insurance. I needed the loan for a work car he informed me I must take it or my interest rate would be over 23 % instead of the XXXX. They even added an insurance policy when I asked to speak with a manager she informed me the same thing about the add on fees and it a protection since I had less than perfect credit with a high risk client. I signed spoke to my husband and called back up there and the told me the loan was final. When I went to refinance the loan the next rep said they are to offer but not add on to my loan. When I arrived he had tagged on all these add on products to my loan and would not let me cancel. The rep apologize. I know now that I was totally taken advantage of as a customer and they committed a false act towards me. Approx XX/XX/2020 the knew I had hardship and lied and fuarded me
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXX XXXX, which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

I opened a checking account 4 to 5 months ago and had $ XXXX in the account. A {$17000.00} wire transfer was sent and deposited in the account 18 days ago ( XXXX XX/XX/XXXX  ). On XX/XX/XXXX I received a letter stating the account was closed with no reason given. I was also cutoff from seeing the status of my account online. That same day I delivered a letter to the manager of my local bank stating that over {$20000.00} of funds I needed to subsist on were being unjustly withheld and that the {$20.00} charge for the wire transfer was unfair since, due to unjustified impounding funds, I received no benefit. Numerous phone calls to customer service yielded no useful information. The local manager had no explanations, stated that my account had a XXXX balance, and promised to forward my letter to higher management.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

My student loans were serviced by Nelnet. On XX/XX/2023, the loans were paid and the balances were transferred to XXXX. Despite disputing the inaccuracies, XXXX continues to report both Nelnet and XXXX accounts as open. On my credit report, it appears that I have {$360000.00} in student loan debt. I only have {$180000.00}.
Consumer complaint received 2024-05-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (ID)

Father died and have been appointed as estate representative but can do nothing to stop foreclosure or modify the loan. He didn't pay for 8 months and left me as inherent of house. I have deed but still can't work anything to right the missing payments with Freedom Mortgage.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (NJ)

I received a Hard Credit Inquiry notice on one of my Credit Monitors. 

When I looked into it, the pull came from XXXX XXXX XXXX. 

I called thXXXX XXXX XXXX XXXXi who helped direct me to Concora Credit. 

I called Concora and spoke with them and supplied the info I had. They have No Records of any such inquiry being made on their end ( after searching with my SSN, DOB and some info ) They told me to dispute it with XXXX. So I called XXXX and disputed it. 

They directed me to the FTC ( FTC Report # XXXX ) and going through these prompts it directed me to the CFPB to file the report since it was credit card related. 

I went ahead and froze my Credit Bureau accounts last nigh. 

But do want to dig in to this. I have not applied for credit in approx XXXX months, so I am not sure who was trying to run my credit.
Consumer complaint received 2020-07-02
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. (TX)

FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. XXXX XXXX  XXXX. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14.  The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in August 2019, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Amer Koorndyk v. Bank of America , N.A. et al ( 2:17-cv-00903 ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (PA)

XXXX XXXX XXXX has violated my rights with 'Account # XXXX '' with the misuse and and misreporting of these accounts on my report. They should deleted immediately due to my rights as a consumer. The rights are listed below : USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than. Records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.