davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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: Consumer Portfolio Services, Inc. (PA)

I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : CONSUMER PORTFOLIO SVC Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to XXXX and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Had opened the below mentioned complaint. It was still not completely resolved and the complaint ticket was closed. Henceforth I am opening anothe ticket to continue the complaint until completely resolved. 
RE : Complaint ID # : XXXX Submitted on : XX/XX/2021 Product : Mortgage Reference # : XXXX Property : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

On XX/XX/2023 I noticed that there were transactions on my cashapp account that I hadn't authorized from several different company 's. ( ref : XXXX : ref ) I contacted cash app via support to file a dispute for these charges. The representative let me know that they'd do an investigation and will email the results. On XX/XX/XXXX I received an email stating that my dispute had been denied. I proceeded to call cash app inquiring about the investigation and requesting the documents which determined the outcome. Cashapp then sent over 2 of the 4 requested documents which ONLY stated that the card wasn't present. Which indicates cashapp did not do an entire investigation as the company stated they would. I'm not the only person based off of CFPB website who's had this issue with cashapp letting me know they're not protecting my personal information. Once I filed the dispute the representative then went ahead and put a pin on my card as if I were the one to initiate the transactions. Cashapp also violated my consumer rights by this as well as their policy listed on their website.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although transunion doesnt seem to believe they should follow the law and XXXX has not removed them either please have them correct these 2 accounts and transunion keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times
Consumer complaint received 2021-10-18
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. (IL)

Transunion sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the XXXX day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or Transunion be ACCURATE??? I also am sick and tired of trying XXXX times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as XXXX of my numbers, remove it, And my same name listed as an alias XXXX times, remove them, And my employer the State of IL XXXX XXXX XXXX XXXX listed XXXX times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

Backstory : On XX/XX/XXXX I placed a credit alert ( not freeze ) on my credit due to 2 attempted credit card applications that were not authorized by myself. 

On XX/XX/XXXX, I had applied for credit through Mattress Firm via synchrony bank. I was denied and told I would receive a letter in 7-10 business days. Letter received stated unable to verify identify and credit application was denied. 

XX/XX/XXXX, went into Mattress Firm thinking I would just apply in store because then they could call my cell phone to verify identity to which they refused to do when I applied on XX/XX/XXXX. While attempting to submit application it too was denied. I was told by the rep for synchrony bank that it too was denied. I informed them up the credit alert to which he saw nothing and gave me a story of it was because it was too soon since my last application. He would not reopen the previous one saying it was already determined to be denied and closed. He too told me a letter would be sent in 7-10 days. The sales woman at Mattress Firm suggested I contact corporate via phone, so when I got home I did. Those reps transferred me around indicating nothing they could do. I spent about 4 hours total, about 6-7 reps and disconnected 3 times within that time. No one could help me or even tell me why they would not verify my identify.. One rep submitted another application to which was also swiftly denied. All they could do was apologize and suggest reapplying with a cosigner. I have an excellent XXXX  score ( over 825 ), not 1 missed payment in over 25 years of credit cards, and at the time only had 2 hard inquiries on my account. I have about 5 % utilization rate across my credit cards. To my understanding, credit can not be denied based on a fraud alert and it seems that is exactly what is being done right now.
Consumer complaint received 2022-10-13
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)

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX FI XX/XX/2020
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX, XXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. Equifax is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have banked with Bank of America since I was XXXX XXXX XXXX. I am XXXX now -- so my entire adult life so far. I am not sure why I still bank with them because over the course of the last few years, there have been multiple issues that have brought me to this level. Today, when reviewing my checking account, I noticed dozens of overdraft protection fees charged to my checking account. I was completely unaware that there would be a fee associated with overdrafts because I have my checking and savings accounts linked. The point of that, or so I thought, was that as soon as my checking account balance is overdrafted, my savings would automatically and immediately fill in the balance. 

I always had sufficient funds in my savings to cover the expenses in my checking. The whole reason I stopped keeping a balance in my checking account is because my debit card with Bank of America has been compromised almost XXXX times over the last decade. Rather than risking this happening, I started keeping all of my funds in my savings account. Any direct deposit check I received, any deposit I made, and XXXX transaction -- all of it goes directly into my savings to protect it. 

I am sure Bank of America will say that the explanation is in the fine print. That is not enough for me. I should have had a representative call me and point out that my checking account was getting charged dozens of times in the same month, and what I can only assume may be hundreds of times over the last XXXX years.
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (GA)

This debt was charged-off with the IRS by original creditor, which was XXXX XXXX XXXX XXXXy Bank admits to selling the debt to CREDIT CONTROL , LLC. XXXX XXXX also admits to no longer pursuing the debt, so there is no debt to pursue as my ending ledger balance with them is {$0.00}. 
However, here enters an interloper, CREDIT CONTROL , LLC, unauthorized to contact me, with demands for me to pay them a debt not owed to anyone, much less them because we have no standing contract in place, and never did. I have never heard of them but they call and harass me constantly as well as send numerous letters. 
I have written them to dispute this debt, and also requested validation as that is my right, and have yet to hear from them. please notify them that they are in violation of the consumer protection laws, and see that I am justly compensated for my hardship. 
Thanks!
Consumer complaint received 2024-11-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am submitting this complaint regarding unauthorized recurring charges by XXXX XXXX XXXX and Bank of Americas inability to resolve this issue despite multiple attempts. 

For several years, I held an alarm monitoring contract with XXXX XXXX XXXX. After my contract term ended, I followed their outlined procedure to cancel my service. However, 8-10 months after canceling, I noticed XXXX  was still charging my Bank of America XXXX Airlines credit card. 

I contacted Bank of America to dispute these charges. They refunded me, issued a new card with a different number, and closed the dispute. Despite these efforts, XXXX  continued to charge my account using the new card numberone that I never provided to them. This cycle has repeated multiple times, each time resulting in a new card and another round of disputes. 

I have repeatedly asked Bank of America to block transactions from XXXX XXXX XXXX, but they have advised that there is nothing further they can do beyond issuing a new card and disputing the charges. The time and frustration involved in managing these repeated disputes are significant, yet the charges continue to recur. 

I am seeking your assistance in putting an end to these unauthorized charges. I am reluctant to close my account and apply for a new credit card, as this would impact my credit score. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-07
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. (MI)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You
Consumer complaint received 2024-09-11
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2022-08-07
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. (PA)

XXXX and XXXX, Experian have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) - Dispute inconsistent dates with other bureaus.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (OH)

I refinanced my ally auto loan with my personal and I got the payoff check and called ally to get the right information to send the check. I read the address back multiple times and the guy said yes correct. I send the check on XX/XX/XXXX next day, I check tracking on the XXXX it shows delivered. The payoff was good until the XXXX so on the XXXX I check to see if check cleared and my ally account shows passed due, huh? So confused I call my bank and the inform me that ally cashed the check on XX/XX/XXXX. So now I call ally back and tell them about the check being cashed and nothing. They never have answers they cant tell me anything they act like there clueless and hang up the phone. I dont know what else to do I can give proof later if needed I dont want ally to see my information yet