davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/2021, AMERICAN EXPRESS denied my application for obtaining credit with their XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). AMERICAN EXPRESS is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. AMERICAN EXPRESS 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life and business stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.
Consumer complaint received 2016-10-12
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Lending Club Corp (CA)

Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

On Tuesday, XX/XX/XXXX, I contacted an associate at Upstart XXXX regarding a late payment that was reported 45 days late. The associate assured me that if I paid the outstanding amount of {$23.00} immediately, the late payment would be removed from my credit history. Following this advice, I paid the bill on the same day. 

However, on XX/XX/XXXX, the late payment was still reported as 45 days late on my credit report. When I reached out to Upstart again to address this issue, I requested to speak with a supervisor. The supervisor incorrectly claimed that I had placed a " do not contact '' instruction on my email address, which I had not. Furthermore, I did not receive any letters, emails, or phone calls informing me that this late payment would be reported to the credit agencies. 

I have been consistently paying this loan for the past two years. Due to Upstart 's internal errors and a mere {$23.00} late payment, my credit score has dropped by XXXX XXXX. This has caused significant financial distress and is unacceptable. 

I urge Upstart XXXX to correct this erroneous late payment report and restore my credit score to its previous level. Their misleading practices and failure to communicate properly have resulted in unjust harm to my credit rating. 

Loan Summary : Loan Amount : {$1000.00} Outstanding Principal : {$590.00} Unpaid Accrued Interest : {$0.00} Loan Number : XXXX Interest Rate : 15.35 % Origination Date : XX/XX/XXXX 2021
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

I was denied auto insurance through XXXX and was sent a letter dated XX/XX/2021 stating that I was denied due to information obtained from LexisNexis Risk Solutions. On Tuesday XX/XX/2021 at XXXX XXXX PDT I attempted to contact LexisNexis by phone to obtain the information/reports that caused my denial for insurance coverage. After a series of automated messages I am given the option to press 7 to speak with a live representative. I press 7 and I am told that representatives are available Monday through Friday from XXXX to XXXX Eastern time, and it then says that I am also able to obtain information by going to XXXX and then the phone disconnects. As I am calling on a Tuesday at XXXX XXXX PDT ( XXXX XXXX EDT ) I should be able to contact a live representative to obtain my report without getting immediately disconnected. I also attempted to visit the provided website and selected " I received an adverse action letter '' where it then provides the following information and directs to call the number I provided earlier : " If you received an Adverse Action Letter An adverse action letter is sent when a carrier has not given a consumer the best rate for insurance or taken any of the following actions : Denied you insurance Increased your rates Limited your coverage Cancelled your policy If your insurance company has sent you an adverse action letter, please contact the LexisNexis Consumer Center at XXXX to request the information related to the adverse action. Please be ready to provide your first and last name, Social Security Number, drivers license number and state in which it was issued, date of birth, current home address and phone number. If your insurance carrier provided a reference number on the adverse action letter you received, please be ready to provide it, as well. This will help expedite the process. '' This is extremely frustrating and it feels like I am directed in circles to obtain the information on why I was denied coverage. I have also been the victim of identity theft so I am concerned that there may be possible fraudulent activity/information contained within my report.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank. I have repeatedly requested over and over and over and over for Wells Fargo to not respond to Complaints with attachments. If attachments are required, then please mail me a hard copy of responses. I can not download attachments in my situation. Wells Fargo continues to respond to complaints with attachments- possibly out of Spite!!! They finally responded to several complaint, and of course, included attachments. I can not view the W. Fargo responses to complaints, nor can I give feedback, due to the fact, as Wells Fargo is well aware, I can not view attachments. For ( 17 ) months thus far, I have been trying to collect my monies lost by Wells Fargo through allowed fraudulent transactions, AFTER I had everything in place to prevent this. I can not even tell through their responses, how much money recovered.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing this complaint and there is no third party involved. This company XXXX, XXXX and Transunion LLC is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) 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 have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, Transunion LLC and XXXX wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, Transunion and XXXX broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, XXXX frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
TransUnion made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, Transunion and XXXX to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, transunion and XXXX. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have been trying to remove the truncated false accounts from my credit report. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they  MUST be r emoved immediately to avoid litigation  : 1.    XXXX   XXXX    XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX     XXXX    4 .  XXXX    XXXX    XXXX  5.   XXXX   XXXX   XXXX     XXXX  6.  XXXX   XXXX  7.  XXXX   XXXX    XXXX     XXXX   XXXX  8.  XXXX   XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs. Equifax  XXXX   XXXX   Case. No.   XXXX  to show precedence to the court on the same violations I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above accounts from my credit report as well as the unauthorized release of my credit report to the following companies : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   : :  XXXX   XXXX      XX/XX/XXXX   3.   XXXX   XXXX    XXXX     XXXX   XX/XX/XXXX  4.  XXXX    XXXX   XXXX  :   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.  XXXX   XX/XX/XXXX  If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA Section  623 including Defamation and willful injury at {$1000.00} per violation. May I also remi nd you of  XXXX ,  v.   XXXX   XXXX   XXXX   US , Court of Appeals  for the  XXXX  Circuit  Court  Case  XXXX   XXXX   XXXX ,    XX/XX/XXXX ,   Filed (  XXXX   XXXX   XXXX  )
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Letter from XXXX XXXX, In XXXX Texas amd XXXX Id phone XXXX I received a bill for UNKNOWN services ... supposedly XXXX..never did any busness with them. The amt was for {>= $1,000,000}. But if i paid NOW it would be only {$19000.00}! 

Their account number for me ... .. account Number XXXX. Came from XXXX XXXX I called to see if they were a real company wanted more info from me ... .including mu Social Secirty number. 

These people are obviosly crooks. 

XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed. 
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance. 
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX. 
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}. 
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter. 
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this. 
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (WI)

We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There has been multiple hard inquiries for XXXX XXXX over the past couple years. Not only have I not applied for a card with them. XXXX XXXX has no record of me attempting to apply for anything with them.
Consumer complaint received 2016-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Debt Mediation, Inc. (NY)

Professional Debt Management / XXXX XXXX XXXX is reporting a debt to the XXXX credit bureaus that is not owed. When XXXX was requested, they sent me a copy of the original lease agreement with XXXX XXXX with no proof/documentation of any outstanding money owed. The lot lease with home purchase sent as XXXX pre-dates bankruptcy discharged XXXX, in which XXXX XXXX and all affiliates of the XXXX are listed as creditors. Notice of delinquent rent in XX/XX/XXXX does not exceed {$420.00} - and was " pay or vacate '' ( property was vacated ) with mobile home returned to possession of the park. The park filed a delinquent tenant case that was dismissed in XXXX Judicial Circuit Court, XXXX, FL, on XXXX. The amount Professional Debt Mgmt. is reporting and attempting to collect is {$3400.00}. Despite providing them with bankruptcy case information, collection and release from claim letters from XXXX XXXX, and copy of court documents, they continue to refresh ( and change first report date ) on my credit reports and claim the debt as valid. Creditor is not entitled to collect on any portion of the home purchase balance discharged in the bankruptcy. Lot rent owed ended with the surrender of possession of the lot and collateral on XX/XX/XXXX, per the creditors terms in the letter I received - copy provided to the debt collection agency.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Columbia Collection Service, Inc. (OR)

I started paying this debt through garnishment XXXX 2014. At the end of XXXX 2014 I was laid off from my full time job. I tried to contact Columbia Collections Services multiple times to pay the remaining part of the bill in full but was never called back. For the last year I have left messages weekly for XXXX, the rep in charge of my account with no response. I have also called the lawyer on file and left messages and never got a response. Instead of letting me pay my debt, Columbia has tried to seize my bank funds twice and has issued garnishment papers to multiple places that I did n't even work at. This process of filing new papers over and over has resulted in over {$2000.00} in fees on an original debt amount of {$1100.00}. I wanted to settle this debt over a year ago and have n't been given the opportunity. I feel like this is unfair and should be illegal. Especially given this debt was from a medical bill that I should n't have even aquired. Columbia is now garnishing XXXX % of my income monthly and still wo n't call me back. My boyfriend has been calling everyday as well trying to pay the debt in full and is also being ignored. 
I am writing you this letter to file a complaint. I am not the first person who this has happened to. When you look Columbia up online, you find nothing but complaints of many people going through very similiar situations. I have since paid my debt back and I understand having some added interest, but doubling the debt is absolutely ridiculous. Had they let me pay it in full, the fees would 've never grown like they have. I would appreciate your assitance in this matter so that I can pay off my debt in full without having to pay the additional amount being charged as a result of the unethical and unprofessional behavior that Columbia Collections Services Inc. has exhibited over the past 18 months. 

Best RegardsXXXX XXXX