davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I have a cashapp account with the cashtag XXXX XXXX Ive been trying to transfer my funds from the account since XXXX which is XXXXXXXX XXXX i dont have access to the phone number connected on the account. I have contacted support several times to help me transfer my funds to current cashapp account. I been told due to security issues the attempts has all been unsuccessful this has been causing me to Miss bill payments for years now. Its very frustrating and this is my funds.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (MD)

I purchased a car from Carmax but financed through XXXX in XX/XX/2021, I attempted at paying my car note constantly but was told I was not in the system so they couldnt not accept my payment. I emailed and reach out before/after and on XX/XX/2021 stating I cant pay because Im not in the system. I got no response. Despite my efforts. Finally on XX/XX/2021 I received an email stated that I was having issues because they lost my contract. I preceded to have multiple phone calls with the manager of the branch where I purchased the car at. I was told it was a mistake and the false reporting on my credit would be expunged and my payments that I was not able to pay due to their faulty would be deferred. But instead they reported 10 late payments on my car which doesnt make sense because my car would have been repossessed which it was not. I am current on my payments and want them to rectify my credit like I was told would happen.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold Equifax was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.
Consumer complaint received 2022-02-10
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. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXX 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
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NJ)

I have been purchasing XXXX XXXX  from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two  car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles. 

Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX  with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit. 

This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible. 

Please help, thank you
Consumer complaint received 2023-02-03
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. (MS)

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. 

XXXX XXXX : Account # 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-25
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (CT)

Harley Davidson financial continuously calls starting at XXXX EST, immediately the day after the payment is due on my loan, I pay them in 2 payments one week I pay half usually before the due date and the following week I pay the other half of the monthly payment due, sometimes its a few days over the due date, nothing crazy over, theyve told me theres no grace period on the loan even though the customer service rep said theres 15 days before a late fee is applied. I have emails with scheduled payment dates to show that the payments were scheduled and bank account statements to back up their receipt of payment.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest had made loan modifications and payment agreements with me during the Covid -19 pandemic, I informed Bridgecrest I was unemployed and sick. 

As per the 'Cares Act ' Fair Credit reporting addendums, I am and have been asking for he 'Late Payments ' to be removed, it is having a huge negative impact on my credit report and score from all three credit bureaus, XXXX, XXXX and XXXX. 

Bridgecrest has not removed the 'Late Payments ' for the following dates : XX/XX/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
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Since XX/XX/XXXX I was not able to make a payment due to a system glitch with Comenity Bank for XXXX Credit card. My payment is due in the XXXX and I was not able to get in their system until XXXX. I called back on XXXX to check my balance and make a final payment and found I was charged a late fee. I called and they refused to refund because my account is closed. This late payment was not my fault and due to their system issues. I would like the fee refunded.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My issue is with Experian itself and NOT with a creditor. I have excellent credit. Very high score. No delinquent accounts. Excellent by Experian 's own definition. However, my credit score continues to decline without any negative reporting from any creditor. There is no explanation for the decrease in score. I can not reach Experian by phone. Their phone system us geared up to make it impossible for a consumer to speak to an agent. There are no options available to speak to a representative. The on line chat is also a dead end, as customer service reps offer the same scripted answers without resolution and to add insult to injury, disconnect the chat at their will. The on line reps appear to be trained to give vague, cookie cutter answers that do not directly relate to your issue and then disconnect. 

It seems to me that a company with so much power over an individual can get away with this type of unaccountability. If they use a criteria to determine a person 's credit worthiness, they should be held accountable for the explanation of that credit score. I feel like David trying to fight Goliath. Experian is a powerful company that has built a wall of protection that has rendered accountability for their scoring system mute. Their explanations on their actual credit reports are contradictory. A green checkmark indicates a positive action on the consumer 's part, such a on time payments or a long credit history. A red minus ( - ) indicates a negative. My report indicates all green positives marks, no negative reporting of any type, yet it also includes a mind boggling negative saying I have accounts that are late. This last fact is not true and I am unable to find this negative issue anywhere on my report. It's as if the report MUST have a negative comment somewhere built into the process to undermine the scoring system. There are no reasonable and understandable explanations for my scores dropping steadily from the low 800s to my present score of XXXX. I need an explanation.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following 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. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-06
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. (NC)

According to the Fair Credit Reporting Act all information must report accurate. Concerning my XXXX XXXX  account my current balance and credit usage % is not reporting accurate by Experian. On XX/XX/2021 my balance was reported {$75.00} and credit usage 8 %. Experian is now reporting XX/XX/2021 balance XXXX and usage 101 %. I am requesting immediate balance and usage update. My credit score is not reporting accurate because of this inaccuracy.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX To Whom It May Concern, This Letter is in response to your recent claim that Validate Account Please ensure that all information is accurate has verified that the account they are reporting under my name is accurate.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX Cc : FTC _________________________________________ XXXX XXXX
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (OH)

In a earlier letter you stated u was a reseller of information. Can u please let me understand who information/securities is you selling I want to see a contract I have with u to resell my securities I had to do my research I got my XXXX account they provided me with an account number then I got a XXXXXXXX XXXX XXXXXXXX they provided me with a XXXX XXXX wow that blow my mind how much is in my account with my signature and my social security attached to it I've been denied a extension of my own unlimited credit so at this point I have five different XXXX XXXX XXXXnd as soon as Donald Trump gets into office he is going to audited the federal reserve and the banks Im going to have all these accounts audited by time he gets in office I would already have my 2848 form and 56-56f forms in to control my estate so please show me a contract with my signature I gave you permission to sell my securities and treat me as a minor in my own account XXXX XXXX XXXXXXXX said they dont have a contract with me so there are hanging your company but im going after u all
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I am writing to file a formal complaint against US Bank regarding the recent closure of my account and the ongoing investigation they have initiated, which has resulted in my funds being frozen. 

On XX/XX/year> ], I was informed by US Bank that my account was closed due to suspected fraud, and that there is an ongoing investigation. Also that they can close my account for any reason and I can't appeal it so they don't need to explain anything. 
I have been unable to access my funds, which amount to approximately {$750000.00}, all of which are derived from a trust that I inherited. I have provided documentation to US Bank to verify the legitimacy of my funds, but I have not received a satisfactory explanation regarding the closure or the nature of the fraud investigation. 

I believe that I have not engaged in any fraudulent activity, and I am concerned that this situation is unjust and has caused me significant distress, particularly as I currently lack access to essential funds for living expenses. I am in a bind because I put all my money into US Bank instead of diversifying it now that this issue has arrived I can't pay rent my birthday is coming up I can't feed my kids I don't have any other source of funds and it's causing me a lot of problems. 

I respectfully request your assistance in investigating this matter and advocating on my behalf with US Bank. I would appreciate any guidance you can provide on how to resolve this issue and regain access to my funds. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collection agencies have engaged in false and misleading practices violation fdcpa 807. Additionally they have provided forms violating fdcpa 812. They also failed to provide me with the required written notice in five days in advance.

Comment Pursuant to 18 USC 8, I owe no debt. These company 's are violating my consumer right to privacy pursue 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 
If you verified these accounts as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.