davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (VA)

I am stating that XXXX, XXXX, Experian, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, XXXX, and Experian are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX  through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, Experian, and XXXX to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2021-08-03
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: FORD MOTOR CREDIT CO. (FL)

I have a loan with FORD MOTOR CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FORD MOTOR CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and FORD MOTOR CREDIT with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-09
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (AL)

I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On or about XX/XX/21, I attempted to purchase a pair of lamps from XXXX using a Citibank credit card. I never received the lamps, the website disappeared, and its social media disappeared. I then attempted to dispute the charge of {$29.00} with Citibank. Citibank initially issued a credit and claims to have contacted the merchant. Today, I received a letter from Citibank denying the dispute and refusing to issue the credit. Citibank also enclosed what it purports to be the merchant 's response. Interestingly, that sheet lists the " Business Description '' of the merchant simply as a friendly " XXXX. '' Sure seems legit. 

This is absurd.
Consumer complaint received 2021-08-03
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. (CA)

On XXXX I sent out letters, certified mail, to Equifax, XXXX, and XXXX  stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.
Consumer complaint received 2020-05-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX/XXXX  XXXX {$160.00} XXXX XXXX XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (FL)

I have had my fill of this predatory XXXX company. I had an issue with my bank and reached out to these low life XXXX who have no capacity for compassion and rather than do what I was asking them to do and allow me to make a double payment on my next payment date, they basically said XXXX you its all about our selfish good for nothing bottom line. They have basically forced me to XXXX my savings account to satisfy their insatiable greed
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After being enlightened regarding several unauthorized charges on a chest bank.of of America claims to have different policies for its XXXX customers on the prepaid card then it does for its regular customers and honoring provisional credit standards set out for all the population. I asked the question whether we were discriminated against in that Arena I was simply told that they process claims in the order that they received them despite its policy for regular non XXXX folks. Standard 48 hours for provisional credit should be honored for XXXX folks the same as it is for regular folks.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (VA)

I am stating that XXXX, XXXX, XXXX, and Equifax have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, Equifax, and XXXX are reporting should not be on my consumer report ; pursuant to XXXX5 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, XXXX, and Equifax to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Financial, LLC (PA)

On XX/XX/2021 in XXXX A chargeback came thru my account for {$1000.00}. 
My funds in my bank got crossed on deposit. 
However before the chargeback occurred I sold enough assets in my account to more than cover the amount. 
After numerous times of trying to withdraw and deposit. 
I contacted them thru the automatic email with no response at least 5 vfc to 10 times with one automated response weeks later.Finally I looked for other avenues. 
I went online to numerous social media sites to try and contact someone to release my assets. 
With still no response then I finally saw someone suggested trying to deposit to cover the chargeback so I tried and it took another {$1000.00} from my bank. 
I thought maybe since they didn't use my liquid funds that were already in. 
A new deposit would fix the problem. 
It didn't.so here I sit waiting to be able to access my money.
Consumer complaint received 2020-09-18
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: Nelson Cruz & Associates LLC (PA)

There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A secured credit card with an additional {$500.00} deposit closed XXXX and yet to receive the deposit back within the 2 billing cycles as stated in the contract. Contacted Capital One to resolve the matter but was given no date when money would be refunded. If Capital One was owed money and no payment was made a {$38.00} late fee plus 24.9 % interest would be charged ; funny it does not work both ways.
Consumer complaint received 2019-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

This is the third complaint I have filed against Amerihome Mortgage. 

The two previous complains are : XXXX XXXX A summary of the previous problem : Amerihome mortgage did not renew our insurance policy and let it lapse due to internal error. They did not notice for well over a year when I brought the issue to their attention. After my CFPB complaints, their remedy was to place back insurance on our account at no cost to us ( because we had a gap in insurance history which made us uninsurable ) and to apply new insurance on our home of equal value moving forward. They would find insurance OF EQUAL VALUE to apply to our home, and cover any additional costs over our original premium. 

The new problem : Once again, Amerihome Mortgage did not act in good faith. They have been dishonest throughout this entire experience. The new insurance claim that they bought for our home ( which we had no say in ) was not of equal value to our insurance. In fact, they chose to add an optional rider to the policy to make it cheaper for themselves ( because they had to pay any amount over our original policy ). This optional rider makes it so that our insurance does not cover water damage from plumbing or appliance leaks. Our old policy DID cover water damage. This rider is OPTIONAL in my county. Amerihome decided to add it only to save themselves money over our safety. 

We were not asked about this rider, nor asked if we wanted it included in our policy. Because of their promises, we thought we were getting the exact same level of insurance we purchased previously. 

Well, our AC or Slab now has a leak, and has caused tens of thousands of dollars worth of damage to our floors and baseboards. Because of Amerihome 's decision to skirt the CFPB 's ruling, we are not covered to have any of this damage replaced and must now pay out of pocket for the repairs. We do not have the money to do this, and the mold/bacteria is getting worse every day. It will be MUCH worse after we loose power from Hurricane Dorian and will not have AC to cool the home for an undetermined amount of time. My family will have health issues from this problem. 

How many times must Amerihome step on our necks before full reparations are made and they are held accountable?
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.