davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-25
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX XXXX XXXX Account Number : XXXX Verification : Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (IL)

I have been working with NACA/XXXX for almost two years only for underwriting to deny me on the last day of the attorney review. They told it me it was because funds in my account went down, however, if they were monitoring my account, the could have been avoided prior to accepting a contract that I had submitted. Not only did they review and accept the contract, they had me, complete an inspection, secure an attorney, and purchase a condo questionnaire. My realtor sent emails to ensure that we were on track and we never got a no. There have been so many complaints online regarding naca but I still tried to give them the benefit of the doubt. There lack of responsiveness and perceived lack of care frustrated both my realtor and attorney. There has been constant mixed messages and doesnt seem like this program has any empathy for their clients. They seem to be preying on neighborhood clients versus helping them. Even after denying me, they still proceeded to take out fraudulent membership dues and money for a credit report. If you deny me of a loan I get approved for by the alternate lenders in 5 min. I sent a complaint to XXXX  and NACA for a refund of the fees over the last year and they denied me again. They dont think there is anything wrong with there process and the offered no help at all instead went back and forth with me in an email war to try and prove he was right without even picking up the phone to talk to me. This is the second time that naca nearly caused me to lose a home. The first offer I submitted, was denied by the seller because they didnt want to work with naca due to a reputation of the process taking too long. They asked me to switch  lenders and they would consider. Believing in naca, I stayed the course until I realized they werent really trying to help me. They never even offered an alternate solution. This process has been so long and complicated and all I want is for my money tp be refunded so that I can finally be done with naca for good. Please help me.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We were working with a roofing company on one of our rental properties. I paid the deposit ( 50 % ) of the Invoice and the work began. At some point during the email conversations, our emails were hacked and the scammer created a new domain similar to the company 's domain. They began spoofing our emails back and forth and requested final payment be made to their office admin through XXXX, as to not incur any fees. I made the payment as instructed, only to find out a week later that there was no one in their office with this name. I contacted Bank of America and started a fraud claim. BOA denied my claim because the payment was processed and send to the " intended recipient '' and they could not recover the money. Their letter stated to " contact the person you sent the funds to directly. '' Not possible since that was a scam account and they have since moved on. I have been a loyal BOA customer for 21 years and they are FDIC insured. I would like my money refunded in good faith as a loyal customer. 

In doing my research, it states : What Do You Do If You've Been XXXX Scammed? 
If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. 
Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. 
In XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 
The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 
If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (NV)

OnXX/XX/XXXXIappliedoverthephoneforacheckingandsavingsaccountatBMOHarrisBank.IclearlyinformedthebankerthatmyaddresswasnotmyphysicaladdressandwasabusinessaddresssinceIamstationedfarfromhomeandBMOHarriswouldnotacceptanFPO.IinformedthebankerthatmyIDandproofofaddressalsocontainedthatmailingaddress.Duringthiscall,Iwasofferedapre-approvedrevolvingcheckinglineofcredit.SheconsultedwithothersatBMOHarrisandsubsequentlytoldmetherewouldbenoproblems.Shelied.Therewereproblems.BMOHarrisrefusedtoopentheaccountsandsentnoadverseactionnoticeasrequiredbylaw.

AftertalkingwithBMOHarrisagain,theirmanagementtoldmethatIshouldapplyagainusingmyactualhomeaddressandtheypromisedtherewouldbenoproblems.Theyliedagain.

OnoraboutXX/XX/XXXXIattemptedtoagainopenanaccountusingmyresidenceaddressandthephonebankertoldmethatinhersystemIwasnotallowedtoapply.Shegavenoreasonwhy.ShereluctantlyconnectedmewithanunnamedsupervisorwhotoldmeIneededtogotoabranchtoapply.

ThefollowingdayItriedtoapplyonline.Ipassedtheverificationquestionsandmyaccountwasopened.Ireceivedwelcomeemailsandwasabletologinonlinetoviewmyaccounts.

OnoraboutXX/XX/XXXXIreceivedaletterfromBMOHarristhattheysenttomyoldmailingaddresswhichwasNOTusedforthisapplication.TheyaskedmetobringID,SocialSecuritycardandutilitybilltotheirbranch.

OnXX/XX/XXXXBMOHarrissentmeyetanotherletterstatingtheydeclinedmyapplicationandfailedtoprovideareason.TheyincludedaDeclinationNoticethatinnowaystateswhytheyrefusedtoopenanaccountthattheyhadalreadyopened.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Glory LLC (IN)

On XXXX XXXX, XXXX I was calling XXXX XXXXXXXX XXXX to settle a debt collection and was transferred to Credit Glory XXXX XXXX where I was informed that they could possibly raise my credit score by disputing items on my credit report. I talked to XXXX, who said she would be my credit consultant and for a fee could then help fix my credit. She that day charged me {$190.00} work fee and also then required to have a credit report ran with XXXX XXXX for a {$1.00}. Later after she told me there would be no hidden additional fees, I find out that this was now going to be charging me a monthly fee of {$19.00}. This again, is on top of the work fee. The following day XXXX, upon checking my online portal they sent out 4 total disputes. 3 were open collections, and the other was a closed CC account, which were all accurate. I received no communication after that and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) with no response ( have call log ). I then immediately became suspicious of there credibility and called ALL 3 credit bureaus on XX/XX/XXXX to request information about my disputes, which they then informed me that there were none opened. ( I have representatives names and file/confirmation # 's of the calls. ) I then immediately called Credit Glory to voice my concerns only to be told that the 3 credit bureaus lied to me and we're displaying a delay tactic. I have now started on my own working to rebuild my credit. I have disputes with my own file/confirmation numbers and dates to prove that I am the only person working on these accounts so they can not receive ANY credit for my new success in raising my own credit score. Also on XX/XX/XXXX I saw they sent out disputes on all 7 accounts, 3 being in collections and 4 closed cc accounts. Why would they duplicate disputes again twenty days apart? I have screenshots of everything. I finally canceled my account on XX/XX/XXXX stating that I want not only the money back guarantee of {$99.00} but the entire full amount of {$190.00} because there was NO work actually done on their part.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB (FL)

XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly. 


KLARNA/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened account on XX/XX/year> with Citibank with a promotional promise of a {$750.00} credit in 45 days. I followed all terms of offer I was told that the promotion was approved but after 100 days the promotional funds have not been deposited into my account. I have not withdrawn the initial deposit or have not been paid any interest on this deposit
Consumer complaint received 2019-05-06
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 (FL)

Following a review of my credit report at the XXXX, XXXX   and XXXX consumer reporting agencies, I determined that said reports contained a Capital One Visa credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and Capital One returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did Capital One ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Consumer complaint received 2022-07-29
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. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2021-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact Capitol One and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX ) Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX )
Consumer complaint received 2022-12-28
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I purchased a car from the care dealership ( XXXX XXXX XXXX ). I feel that there were many misleading comments about the purchase of the car such as repairs that were to be done, etc. The interest was also excessive, they charged me XXXX in interest on a XXXX loan. The interest was charged up front which was very heavy. I had to pay on the car for over two years to come back to a little under the original price of the car. I feel that much of this was explained to me after the fact and not before. The print on the contracts is very small and hard to read which I explained to the finance people that I had a hard time reading the contract and asked for help explaining it. After having to deal with trying to get the repairs done on the car which was a whole other story, I found out other issues. When I took the car to the dealership for the repairs, they put a tracking device on my car along with a GPS Starter Interrupt system. To me, this has not only been a complete invasion of my privacy, but dangerous as well as I feel that this has been affecting the way that the car operates. I have taken my car in multiple times to get looked at by mechanics. I have had several tell me that the system could be malfunctioning and affecting the way that the car drives, etc. I have made several calls and complaints about this to Credit Acceptance and the dealership. This is not even legal in the State of Nevada anymore, however, they are getting around this stating that I am grandfathered in and that they can do whatever they want with this. The other issue is that if I ask to make payment arrangements, etc. I get threatened that they are going to shut my car off which they have threatened me on multiple occasions with this. I feel that this is a form of extortion and is also dangerous.. A woman was driving on the freeway in XXXX when a company shut her car off while she was going 60 mph. I have medical issues and do not want to be stranded in 110 degree heat out in the desert if someone at Credit Acceptance gets upset with me and decides to shut my car off, etc. I have had times where I have been on the phone with employees of Credit Acceptance where they tell me that they are going to look me up on the GPS, etc. This is a complete invasion of my privacy and rights. I am very upset about all of this and this has been a great deal of stress on me. I have been making my payments to them and have paid over XXXX on a car that is not even worth this at this time and still over over XXXX on the car. There are major mechanical issues with the car as well ranging from gas smells from the gas tank to the feeling like the breaks are being put on their own, etc. There are times where I do not feel safe driving the car and have told both companies about the problems.
Consumer complaint received 2022-12-28
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)

In accordance with the fair credit reporting act XXXX  account XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose