davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a XXXX party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with XXXX XXXX for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required and. I've sent XXXX letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX XX/XX/XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous emotional distress discomfort and damage..
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY (MO)

I have a checking account with Bluebird.com from American Express.Yesterday ( XX/XX/2022 ), I made a {$20.00} gas purchase at a XXXX convenience store near my house in XXXX XXXX. Right afterwards I tried to use the ATM at that same store and my Bluebird card declined. So I checked the balance and found out my card was drafted over {$160.00} when I made the {$20.00} gas purchase. I asked the store clerk about it and she said its something they started doing on my type of card but the funds should be back on the card in XXXX minutes. It didnt happen, so I called XXXX XXXX and they told me it could take up to XXXX hours to get the funds back, if not call them back. I called them back today sooner than XXXX hours because I have bills that are Now Overdue Today because I had planned to pay those bills yesterday after I bought the gas. On a XXXX way conference call a XXXX agent and I called my Bluebird customer service and they informed me that it will take 5 DAYS FOR AMERICAN EXPRESS TO RETURN THE $ XXXX THEY PUT ON HOLD!!, NOW I WILL LOSE MY GOOD STANDING WITH MY CREDITOR!!! 
THEY HAVE DAMAGED MY CREDIT STANDING!!!
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

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.

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 2022-06-23
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2022-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My information has been used to attempt to open credit cards and lease vehicles all in Ohio starting in the beginning of XXXX ( XX/XX/22 ). To my knowledge, two have been successful. One for XXXX XXXX Bank for the amount of {$56000.00}. I've since been able to have this successfully removed after reaching out to their Identity Theft Team. The second is from Capital One for the amount of {$49000.00}. This one is still posted to my credit report as of today. In addition there are XXXX other inquiries posted on my credit report, none of which are mine from numerous companies. I've contacted them all to find out what steps need to be taken to get these inquiries removed. I've filed disputes with all 3 credit bureaus.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX a charge was made for XXXX to XXXX from my checking account I approved said amount and canceled it. I have record from XXXX and XXXX  stating that loan was canceled and did not receive the merch. XX/XX/XXXX Bank of America denied my claim even after I provided documentation that it had been canceled. Ive submitted XXXX disputes and theyve all been denied. I have physical proof and its still being denied. I dont know what else to do. XXXX tells me its up to Bank of America because theyre holding the transfer and Bank of America is telling me that XXXX  claimed my loan went through. So Im not getting anywhere.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Consumer complaint received 2022-07-05
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: VYSTAR CREDIT UNION (FL)

There has been an incorrect fraudulent balance on an old vystar account the balance is supposedto be XXXX and permanantly removed from collections. The account got hacked since my socialsecurity and id got compromised and some fraudulent charges were made in the amount of {$2700.00}. I have over 100 hours on the phone with the company and they continue to be non-compliant in helping a customer resolve the matter. This need to be removed immediately as i will not be responsible for charges i did not consent to. And also they have the wrong address on file.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this CFPB complaint as a follow up to the previous CFPB Complaint I have submitted to the Credit Bureaus requesting that the Credit Bureaus correct my Credit file from erroneous information by correcting or removing the disputed erroneous accounts from my Credit file. Under the Fair Credit Reporting Act, the Credit Bureaus are required to remove the disputed accounts within the time allowed by law. However, the Credit Bureaus have done nothing and even claimed that the Accounts have been verified. However, the Credit Reporting Agencies have failed to send me proof of verification from their alleged investigation. I am submitting this CFPB Complaint to the Credit Bureaus to remind them to correct my Credit File from erroneous reporting as soon as possible. Once again, I need the following accounts corrected and or removed as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX.with no help.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The items listed below are reporting on my file and were found in my reports with Transunion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-06
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: CITIBANK, N.A. (OH)

On XXXX I signed a contract for XXXX XXXX XXXX to pick my boat up on XXXX I provided pictures of the boat and a description ( year, make, model ) XXXX told me that they would do everything needed to get the boat transported to me. XXXXXXXX XXXX  showed up with a insuffient truck/trailer and were unable to move the boat because they didnt want to remove the radar arch, even after XXXX assured me their movers could do it as they are in the business of moving boats. After more then a week of excuses as to why he couldnt get my boat moved, I have multiple text messages from him as evidence which can be provided upon request, I hired another company ( I have the invoice ) to move the boat in a timely manner. That company picked the boat up on XXXX. As per the document I signed with XXXX XXXX I am entitled to a refund because they never scheduled a date, please see attached " confimationorder ( 1 ) '' " Deposit is refundable if for whatever reason said customer chooses to cancel the shipment of their vehicle BEFORE they are scheduled with a carrier '' I disputed the charge on XXXX on XXXX AND XXXX Bestbuy Citibank sent me letters saying the dispute was decided in my favor then on XXXX they rebilled my credit card for the {$1200.00} and I am unable to dispute this charge again.
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

Hello I found a chapter XXXX XX/XX/2021 the mortgage was XXXX stated by US Bank the original mortgage was XXXX once I filed a chapter XXXX and mortgage went back to XXXX I've been paying it for the last 3 months I missed a payment in XXXX bankruptcy got dismissed XX/XX/2021 I received a mortgage statement stating that I owe {$2000.00} in a letter saying that I can apply for a loan modification. Apply for mortgage assistance in my county do the covid also contact the US Bank home mortgage and requested a loan modification packet XX/XX/2021 at that time I was denied I'm unclear while I was denied and why the packet wasn't sent out when I'm sitting here looking at a letter that they're offering me a loan modification also I'm in the middle of trading my vehicle in because I got engine failure my {$2000.00} that's impact in my credit score is stopping me from getting a vehicle to continue on I need better communication with this creditor and I am not trying to lose my home due to lack of communication otherwise they're going to force me back into bankruptcy to secure my home and that's totally not fair when I screwing up my credit score when I need that for other things and to survive.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Experian is consistently misreporting my credit score as if this is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX is XXXX but they are misreporting it. 

My XXXX is XXXX but they are misreporting it. 

This falsely lowers my Experian score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

It has been numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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)

I am sending this request again to address the inaccuracies on my Credit Report. Upon reviewing my file, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX Late Dates : XXXX
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a capital one customer since the beginning of time and have always been a good customer. 

I usually pay all my cap one accounts online. I have never known to pay any other way. 


On Saturday the app kept glitching shutting down on me throughout the day and the customer service hold time was more than a hour. 

I was finally able to pay the minimum balance due online on my due date and was still hit with a late fee of {$40.00}. 


You can not charge me for a late fee when I paid online on the due date. Its not right or fair. 

Capital one should be ashamed of themselves trying to further Put me in debt. 

I want the fee waived and off my account. I tried contacting customer support and they were all rude and unhelpful