davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

Hello, Money was being fraudulently withdrawn out of saving. I stated to bank that car was broken into and my money, atm card, and other personal item was stolen. I even gave them the police report for car being broke into. 
I never received a fraud alert or monthly bank helping my be alert of withdrawals until it was to late. Only bank statement I received were for XXXX when I realized money was being taken from me periodically. 

Bank denied my dispute. How can someone steal money from you and bank dont not want to help?
Consumer complaint received 2020-05-21
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. (CA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX  XXXX  XXXX  XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.
Consumer complaint received 2022-07-16
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. (DC)

There was a XXXX credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BOK FINANCIAL CORP (CO)

I received the check from my Mortgage after I sold the property. And they send me refund under my legal name on the check. Also my girlfriend and my aunt name. But there no longer living in Colorado after I sold the house. However I deposit the check into my account. And bank manager or banker was saying me bring other 2 people. But I explain to bank there not in Colorado anymore. But you have already verified my driver license name on the check. And it is match. However bank is not released the check. So I requested the bank. Can you return the check. And bank said no were not able to return. So I said this is not correct. Even I m presenting myself. So And verify. And still not released or retuning the check.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (UT)

The original company was XXXX XXXX. They submitted a collection to Caine Weiner ( I have never received anything from this company ) stating an amount was still owed, after they sent me a cancellation notice showing a XXXX balance, and effective the date I requested my policy be cancelled. I wasn't even due to renew the policy with them until two days after the cancellation. XXXX came back after the fact, with a cancellation notice, showing a balance of {$79.00}, and claimed it was various accumulated fees. I told them if I in fact owed such fees, why wasn't I charged with them at an earlier date, when they claim the fees were for. It did not make sense or sound right ( legal ), and I felt I did not owe a balance, and they should honor the cancellation notice that I was sent, immediately after my request to cancel the policy.
Consumer complaint received 2022-07-16
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. (PA)

This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX
Consumer complaint received 2020-05-21
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. (CT)

I have written and called to Equifax many times over the last 2 years with only 1 response. I recieved a response stating the way that they accept disputes which is the same email address they responded from. My issue has to do with their scoring process not a creditor, but Equifax themselves, they've no category for issues directly related to them. While reviewing my credit report I noticed a vast difference ( 30+ points ) between XXXX  and Equifax after a line by line comparison I noticed disputes I'd filed and won were not reflected in the score which a successful dispute is supposed to yield upwards of 25 points. inquiries that were done on the same day while car shopping, were not counted as a single inquiry but as 25 individual inquiries from 2 dealerships on the same day. An XXXX point score drop for no apparent reason when showing positive activity was occurring in the same update. Score increase notifications of 1 point but the 1 point is never reflected in the scoring example beging score XXXX, score after increase XXXX. Next reporting stated on time payments but in the same reporting a XXXX point decrease to XXXX but says " No Change ''. That's just a sampling of anomalous activity. Disputes won but not removed. Duplicate creditors. My Equifax score is XXXX points lower than XXXX  score with less information showing disputes on time payments and all what is supposed to be there. My most recent submission to Equifax was on XX/XX/19 no response. Again their dispute system is geared for complaints about creditors but not they themselves.
Consumer complaint received 2022-07-16
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. (OH)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # 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 2020-10-05
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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. (IL)

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NJ)

This lease in question American Honda Finance Account # XXXX. Is reporting 30 days late in XX/XX/2020 and XX/XX/2020. In XXXX I was sick with XXXX I was unable to call to defer the payments but as soon as I was well enough I paid it right away. Unfortunately due to Covid-19 my payment was late in XX/XX/2020 I tried deferring the payments to no avail.
Consumer complaint received 2022-07-19
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. (DC)

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all XXXX consumer reporting agencies ( XXXX, XXXX and TransUnion ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, XXXX and TransUnion failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, XXXX and TransUnion failed to Investigate the first time according to federal law ( FCRA ). XXXX, XXXX and TransUnion HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, XXXX and TransUnion are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, XXXX and TransUnion furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

Repeated Automated phone calls over the last month everyday all day Under the disguised phone number " ACCOUNT SERVICES '' I attempted to answer a couple times and press associated numbers tom speak to a live associate and the numbers pressed were flat out unrecognized on three attempts with 3 different phone calls from the MOBSTERS during a 6 month " STATE OF MICHIGAN SHUT DOWN '' and the 'WORLD PANDEMIC '' COVID-19. 
The economic disaster is just the beginning of what i expect to be a major financial crash bigger then the GREAT RECESSION in terms of banks balance sheets, note buyers, and the theft of AMERICAN TAXPAYERS. ROBBING XXXX TO PAY XXXX. 

THE CFPB/XXXX should ensure that these corporations assist all AMERICANS in an effort to minimize the problems that XXXX CREATED WORLDWIDE. No not TREAD ON ME! 

FOIA ... Did Citi Bank participate and receive money from the AMERICAN TAXPAYERS distributed by the CARES ACT???
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo sent me a letter reporting someone tried to open a new deposit account using my personal information. I called the phone numbers they provided and all 3 asked for my SS #. They didnt match XXXX XXXX XXXX phone numbers. 

XXXX XXXX XXXX  XXXX recently told me my personal information is on the Dark Web. 

What do I do? I didnt apply for anything from Wells Fargo XXXX
Consumer complaint received 2022-07-16
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. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted TransUnion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

Seller had a digital item of value, we discussed price, I submitted this on PayPal, and was going to do purchase protection. Seller absolutely insisted upon skipping that... I was young and very intent on getting the digital item of value. The seller took receipt of my sending funds, then went offline for evermore Your recipient should have the money by XX/XX/2019 Paid with ( XXXX XXXX XXXX ) {$170.00} Your backup is XXXX XXXXXXXX Exchange rate {$170.00} USD = XXXX XXXX XXXX USD = XXXX XXXX Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX {$170.00} XXXX XXXX Fee {$4.00} XXXX XXXX Total {$170.00} XXXX XXXX  Print details
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (MO)

World finance has all of a sudden in the last 6 months decided that they wanted to change the date of open on my account from date opened XX/XX/XXXX to date open XX/XX/XXXX! 
They now show it as active collection with a balance of {$360.00}. Which is an increase of {$60.00} and shows as derogatory! 
There has been no communication whatsoever from them nor can I get anyone to give me an answer. If I'm not mistaken isn't it illegal to change the active date on an old account ( XXXX ) so that you can make it reoccur? And then add more to the balance so that it's detrimental to my credit report!
Consumer complaint received 2022-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-05-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$21000.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (CA)

The creditor, American Credit Acceptance Corporation, has incorrectly, unfairly, and carelessly reported remarks on all three of my credit reports. 

XXXX  -- The remarks state " Student Loan - payment deferred - Affected by natural disaster. '' This is an auto loan, not a student loan. I don't even have a student loan and never have. Additionally, I did not arrange for a natural disaster deferment. I did arrange a normal deferment. 

XXXX  -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment. 

XXXX  -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment.