davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (WI)

Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX is in violation of the 15 USC 1605 Truth in Lending ACT. XXXX didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. XXXX  purchased a fraudulent contract knowingly and willfully. I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (SC)

I have a {$2000.00} + on child support I have tried contacting way2 go the go program and XXXX and XXXX can tell me how to contact way2go u sit on the phone for hours and XXXX ever answers and they hand up in your face please help me
Consumer complaint received 2022-12-13
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 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 information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NE)

My name is XXXX XXXX XXXX. 

I receive my XXXX pension via direct deposit to Comerica Bank and access the funds using a XXXX issued by that bank. ( I am currently residing in XXXX. ) I have recently had trouble accessing my account information through their web banking site. 

My complaint is that on XXXX, XX/XX/XXXX at XXXX pm XXXX XXXX, I called for help in solving the Web Problem and was asked by the man assisting me for BOTH my username AND password!!!!! 
I declined to answer the password question and he said he needed to generate a ticket to have someone call me back. 
The following day, when I called to complain about the password question I was assured, by two different people, that it is " standard procedure '' to ask for that information when generating a web support ticket! 
If an hourly paid stranger can request that information from everyone needing help then it is inevitable that one of them will use that information to log on to an account and siphon some or all of the money in that account! This practice should be PROHIBITED and I strongly protest against it being part of Comerica Banks policy! 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MECHANICS BANK (CA)

I went to cash my paycheck at Mechanics Bank in the amount of {$2600.00}. Since I was using my second form of ID that still has my concealed to carry. The bank manager a dark skin man lied said that he is keeping my check. That is fraudulent had verified that my check was good before the this weekend. A conceal to carry license does not call the police as there for meaning you are registered with them. My paycheck has keep without cashing the check as it is the issuing bank on the check. 
Issuing bank and location where I cashed I tried to cash my check. 

Name on check my business name XXXX XXXX XXXX XXXX ID XXXX XXXX Mechanics Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-26
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. (IA)

Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXXits affects my credit score greatl.
Consumer complaint received 2021-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (NJ)

This complaint is against BMO Harris Bank. 
I had opened online one year CD with BMO Harris Bank. 
It matured on XX/XX/2021. I called to redeem the CD on maturity, The bank told me that they will send the balance, a little over {$38000.00}, by check and that I should receive the check in 7 to 10 business days. When I did not receive the check after 10 days I called the bank and they told me to wait for another 2 days. When the check did not arrive after 15 days I called the bank again. This time they told me that the check was actually mailed on XX/XX/2021 and perhaps wait for it a little longer. If I did not receive the check after that I would have to sign and Indemnity form and wait for 90 days to get the check re-issued. I asked for tracking number from the carrier so I could find out from the carrier why it was not delivered. It turned out that check was sent by ordinary mail with no ability to track the delivery. The bank would not pay any interest for the 90 days delay. Alternatively I would have to purchase, at my expense a surety bond to receive the payment earlier. Either way the bank is penalizing me even though the bank itself acted irresponsibly in sending the check in an insecure manner without any guarantee of delivery. If the bank is going to delay the payment by 90 days I should at least get interest on it
Consumer complaint received 2023-04-27
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. (GA)

This is my NUMEROUS request that 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-05-10
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. (AL)

I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (CO)

XX/XX/XXXX Discovered Trans Union had billed my credit card {$24.00} for service I never requested. 
Tried to contact the Trans Union Office listed on my credit card account. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX. XXXX. The phone is disconnected. The latest try was this morning Via information from XXXX XXXX contacted Trans Union on XX/XX/XXXX. They had no record of a request but wanted the credit card # that was billed. I declined because I would no longer have a way of proving that they were not voluntarily given the credit card number in XX/XX/XXXX. I offered the last 4 digits but they insisted on the full card number. 
I had the credit card company reverse the charge, and after investigating they did so XXXX/XXXX/XXXX Trans Union billed my credit card again. Although I had a new card the credit card company put the charge through not realizing it was reoccurring from the month before. 
Although the credit card company has sent the third card I will not activate the third card. 
Upon checking my XXXX XXXX account I discovered that on XX/XX/XXXX Trans Union had downgraded my XXXX XXXX by 41 points. Giving me a credit score of XXXX. 
Upon looking to see why there were 8 changes listed responsible for the change.

6 changes were a decrease in amounts due to timely payments. 1 was the removal of a bankruptcy public record. The 8th change was an increase of {$22.00} on a credit balance. 
I believe that Trans Union 's actions are retaliatory for not accepting the fraudulent charge of {$24.00}. 
The 2nd Reporting Agency on my XXXX  account is XXXX. That score is XXXX and rising.
Consumer complaint received 2021-05-17
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. (MO)

I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

See CFPB complaint XXXX for background. I'm filing an additional complaint as the company did not address my concerns in their response. Please re-investigate this complaint ; they do not respond to the matter that is being questioned at all. Since XX/XX/2020, any application that has been submitted has been automatically rejected, denying my right to a fair review of a credit application and review. There is no reason that my account should be on a permanent denial basis moving forward indefinitely, and that is the status that it's currently in. When I called on XX/XX/XXXX and made a complaint with American Express, I was told explicitly that I would have a phone call returned with an update regarding my inquiry. The company failed to reach out to me and give me any update regarding my inquiry ; when following up subsequent times, they also had no additional information they could provide. 

My rights to have a fair, equal credit opportunity review and qualification are being denied. Since XX/XX/2020 I've been automatically declined for any AMEX product, when contacting the company to handle this dispute, I was told they would do research and get in touch with me in two weeks with a rationale. 

CFPB, is the only way of getting reprieved from this situation civil litigation? Is there any enformcentment to ensure they are aboding by ECOA?
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AG AH LLC (NJ)

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. On XX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX Extension XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I bank with Bank of America and apparently the other bank involved is XXXX XXXX. There was an unauthorized XXXX transaction of {$500.00} pulled from my account to a person I do not know. I called the fraud department and told them what happened, and they offered a promising message that I would be able to get my money back. Days later I received a message on my account saying that the claim was denied because it was on a device used in the past. I was unaware and did not authorize the transaction. The legal definition of fraud is " the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its money, property or a legal right. '' The bank should have no authority to redefine the legal definition to avoid honoring their commitment to the consumer. I took it upon myself to reach out to the individual on XXXX whose information was detailed in the XXXX transaction, and they said that they were hacked and they got their bank to freeze their account ( Screenshots attached | I should not depend on someone else 's bank to fix this if I am the victim ). The paper trail should clearly show that I was frauded from a compromised and fraudulent account. I don't feel like Bank of America is really listening to me or trying to understand what happened and instead pushing aside my complaint that clearly shows I was frauded. On XXXX 's website it states that : " If someone gained access to your bank account and made a payment with XXXX without your permission, and you werent involved in any way with the transaction, this is typically considered fraud since it was unauthorized activity. If someone gained access to your account, and stole money or sent it without your permission, this could be defined as fraud. Immediately report suspected unauthorized activity to your financial institution. Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident. ''
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I have no knowledge at all about this account and this company is messing up my credit its reporting that the flagging my account with being 60 days late and if your not able to accurately validate a account per the fdcpa, that you cant be placing no negative information on someone credit bureaus, this company is very very wrong because they shouldnt allow someone to get any credit without proper identification to open up a account this company has failed so many people with opening up credit without properly information I can imagine all of the people that has a issues with this company and whats so sad is that they will call you and harass you about it and have these people to say you know you did it my husband is in the service trying to protect our country and this company is bogus on all levels and now they are reporting and flagging my account with fraudulent information its a pandemic out here and they dont care but to harass me without proper information
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.