davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WA)

Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company.

Thank you! 

XXXX.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I am writing to issue a formal compliant against Chase for misrepresenting my credit report. After reaching out on several occasions, I have been repeatedly ignored and brushed aside while they continue to illegally misrepresent my payment history. In XXXX XXXX, I reached out to JP Morgan Chase to defer my credit card payments due to COVID. As explained by their representative, payment deferrals would not negatively impact credit reports. Later on, this would show up as a clause dictated in the Coronavirus Aid, Relief and Economic Security Act. However, in XXXX of XXXX, JP Morgan Chase arbitrarily decided to reflect the payments of XXXX, XXXX and XXXX as late. 
I take pride in being able to manage my financial obligations and if it werent for Covid impacting my business, I would have been able to maintain my excellent repayment history. In fact, for the seven years I had the Chase Sapphire card and I was never late. I have reached out Chase Executive team on several occasions - I have emailed, sent written letters and called and it has been over 60 days without a reasonable response. 


The approximate timeline is below : * XX/XX/XXXX XXXX Email asking for review * XX/XX/XXXX - Acknowledgement of receipt denying my request with having a representative as XXXX as contact for further information * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX - Sent first letter to Chase * XXXX - Sent Second Email * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XXXX - Called general line and spoke with XXXX who was not able to get in contact with XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (OK)

In Accordance With The Fair Credit Reporting Act 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 a account without my written instructions
Consumer complaint received 2021-10-04
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. (GA)

According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Consumer complaint received 2021-10-04
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)

According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Consumer complaint received 2022-08-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cascade CISS Holdings, LLC (NJ)

On XX/XX/2021, I applied for an extension of credit, and I never benefitted from this transaction. I would just like to know what happened to my extension of credit, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XACTUS-CP on behalf of XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Consumer complaint received 2023-04-15
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)

Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX XXXX XXXX showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX  but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX  to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX  and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2022 On Wednesday XX/XX/2022 I XXXX XXXX XXXX received a phone call from a gentleman stating he was from Bank of America Fraud dept. First call was at XXXX from phone number XXXX, guy stated his name was XXXX XXXX XXXX He proceeded to keep calling back at XXXX and told me he wanted to check my acct and said to send over {$3500.00} through XXXX . I stated I have never in XXXX  yrs of having an account with Bank of America ever signed up for XXXX, my wife ( XXXX XXXX XXXX pays all the bills and this is a joint acct. XXXX then stated he would walk me through how to set XXXX up so they could do the test and would send the money right back to my acct. Once the money was transferred he stated that give it a few minutes and Bank of America will transfer back. Which never happened. On the bank statement if states XXXX XXXX confirmation # XXXX got the transfer. 
XXXX XXXX also stated to me that they noticed that there was a withdraw from a XXXX XXXX for {$1100.00}, XXXX XXXX told me dont worry we will get your money back. XXXX stated that he ( XXXX XXXX ) would call me at XXXX and to go to XXXX and he would walk me through of what needed to be said to Customer Service and would get my money back. He did not call so my wife XXXX XXXX XXXX called the fraud dept and they transferred to XXXX fraud dept and put in a claim for the fraud. As I was on the phone with a lady from XXXX fraud, XXXX XXXX called my number back at XXXX and wife answered and stated I was not available, he then called back at XXXX and XXXX from a different number XXXX. 
I gave the information to the XXXX fraud dept while I was on the phone with the lady from the bank and they would put in a fraud claim. 
My wife called the bank back several times after we got a letter dated XX/XX/2022 with claim # XXXX in the amount of {$3500.00} that they were unable to approve this claim. My wife XXXX XXXX XXXX tried to call back several times and they denied us the money back. XXXX had spoken to XXXX from XXXX fraud and told us to file a police report and check out IC3.gov-file a report. 
I did receive the {$1100.00} back from Bank but not {$3500.00}. We did file a police report with XXXX Police Dept.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Since 2015, I've had two 3-year leases with XXXX for XXXX XXXX XXXX XXXX XXXX Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that XXXX XXXX wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

XXXX XXXX isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which XXXX literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from XXXX XXXX, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with XXXX XXXX, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company. 

Thank you! 

XXXX.
Consumer complaint received 2022-08-01
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-27
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. (CA)

n accordance with the Fair Credit Reporting act 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 XXXXXXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Acceptance, LLC (VA)

They send me a letter stating everything was paid for. I took the letter to the courthouse in 2017. All was resolved. The company has gone out of business no longer exists and they are still trying to do this after I have shown them their own letter and have explained it isn't legal for them to put this on my credit
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MO)

After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. I sent this company a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX requesting validation of debt and HIPAA authorization and requesting that they delete this account off my credit report.
Consumer complaint received 2022-08-01
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. (NC)

XXXX and XXXX have corrected the fraud account after the XXXX XXXX  sent all 3 agencies a letter saying I was not responsible for charges incurred on a fraudulent card. I have been working with lifelock restoration team. 
The letter from bank wss first sent to all 3 agencies on XXXX XXXX. 
Transunion told me they did not get it. The bank on XX/XX/XXXX sent them the letter clearing me again. 
Transunion got same documents as XXXX and XXXX but is now asking me to wait another month until their " dispute '' time is up. 
I am trying to buy a home and am being held up XXXX Transunion. They have still not updated their report. They want me to pay to get my credit score and report. That does not seem right.
Consumer complaint received 2022-06-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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, # XXXX XXXX XXXX XXXX, # XXXX DP OF EDUC, # 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.