davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (FL)

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, TransUnion, XXXX and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the XXXX  XXXX XXXX be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

I had a loan that was paid off with Truist Bank the first week of the XXXX XXXX. 
There was an overage of $ XXXX that was not automatically sent to me. I have been calling for weeks on end before finally someone told me it was never initiated. They manually released my overage check and I am not being told on XX/XX/XXXX  it was rejected and they are still working on it. 

In addition, I had GAP coverage cancelled and a check of {$890.00} sent to Truist for it to be refunded to me. 
I can not get an answer on when I will get this back. The check was sent on XX/XX/XXXX  to them for the cancellation and they cashed the check on XX/XX/XXXX 
I keep being told they are calling the GAP overage department and they are not picking up, and to expect a response in 3 days. I am told this over-and-over and I am getting nothing. 
Two people have informed me that their GAP department is awful and unorganized and they have multiple people waiting over a year to receive their refund. 
I have bought a fair share of cars and opened and closed a good amount of auto loans and it has never taken a cancellation, or an overage check, this long to be sent.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. I routinely check my report, but this time, there are discrepancies that appeared out of nowhere. I refreshed my browser thinking it might be a temporary glitch, but the unauthorized inquiries remained. I need the documents I've submitted to be reviewed thoroughly so I can stop worrying about this situation.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Bureau of America Ltd. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I am filing this complaint to SYNCB/XXXX  for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX XXXX  for the amount of {$460.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXor the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX  for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Greetings Sir/Madam, I am writing to obtain assistance from the CFPB to recover the absorbent amount of fees charged to my account. As of today, XXXX XX/XX/2022, I have been charged in excess of 9 overdraft fees at {$36.00} each. I have a checking account with Truist Bank ( formally BB & T ), and this institution previously announced that they'd eliminated overdraft fees. To add, the Truist website clearly advertises that there are " {$0.00} overdraft fees '' ( see the attached ). This is heavily promoted in their marketing for checking accounts for all customers ( past & present ). As a consumer, it is incredibly confusing to be charged fees when the commercial messaging states that fees have been eradicated. So, there is a misleading narrative that must be challenged. When I tried to get this remedied, I was given excuses which presents a support failure. Currently, I am in the process of XXXX overseas and I have been preparing for my departure. To help with keep costs low & reducing my financial burden, I would like to be refunded for those fees as I can not afford to absorb the totality of the fees. Please advise if there are questions. I can be reached via email at XXXX or via telephone at ( XXXX ) XXXX. Thank you, XXXX XXXX
Consumer complaint received 2022-10-11
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: JPMORGAN CHASE & CO. (PA)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Consumer complaint received 2022-10-04
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ordered a XXXX XXXX from an online company on XX/XX/22. I received a confirmation email confirming the price of {$87.00} with the correct description of the product. Several weeks later a received a tracking number that I never could get to work. Several weeks later I emailed to check the status and was told it was delivered. I filed a dispute with my credit card company explaining the problem and provided all the details. Meanwhile, I get notified that I had something at the Post Office that could not be delivered because there was {$4.00} postage due. I thought it might be the pool equipment so I went to the post office only to discover it was a small plastic mailer envelope with an XXXX warehouse return address. I didnt order the pool equipment part from XXXX and knew it would be in a large box so I paid the postage and opened the envelope to find a low quality pair of white socks. There was no packing slip. I emailed the merchant to see if the socks were sent by them. They asked for a picture of the label and content which I sent and they confirmed that it was an error on their part. At this point, I saw red flags and asked for a full refund. They offered 80 % and later 70 % to cover their costs for shipping! I paid the postage on those socks. Meanwhile, Capital One denied my dispute and told me to work with the company. Ive called Capital One 3 times and reopened the dispute 3 times and keep sending them all the information - photos, emails, website information, invoice and they keep denying stating that I didnt provide everything they asked for. The only think I didnt provide was a letter on company letterhead from a 3rd party stating that the item received could not be used on my pool. Of course a pair of socks can not be mounted to my pool equipment to turn salt water into chlorine and who would I get to write such an stupid statement? Id probably have to pay a pool company or plumbing company to do that and be out even more money. I have it in writing that the merchant admitted fault and would issue a credit. That should be enough.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I put a freeze on my Experian credit report on XXXX XXXX and was advised by the automated system that I would be emailed a new PIN. I did not receive an email and have tried for the past hour today ( XXXX XXXX ) to reach a live customer service representative to find out where my email is. The Experian system will not allow one to speak to a customer service representative ; the system says that live representatives are only available " in limited circumstances '' ( which are not described ) and will not put the call through. I've tried several contact numbers and gotten the same feedback. Not helpful to consumers!
Consumer complaint received 2021-12-20
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIA ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: LAKE MICHIGAN CREDIT UNION (NY)

My computer was compromised on XX/XX/2022. Several pop-up alerts were on my computer saying that I needed to call XXXX to fix the issue, I contacted the number and someone was guiding me through several pop-ups leading to a black screen. They told me to enter certain letters, numbers, and symbols by the blinking cursor. They were talking to me about the amount of money in my bank account. They told me that I need to go to XXXX or XXXX to get gift cards, then come home, because they needed to get the information off the cards. I purchase {$4800.00} in gift card. I found out later that they took the money out of my bank account. I was very nervous about this whole issue. I have XXXX and on very heavy duty medication. I contacted my son and he told me that this is a scam. 
I contacted the police department to get a statement and a detective is also suppose to contact me. Right now I am not getting any help from anyone about this matter to get my money back. I was told by XXXX  to contact you to tell you what happened. I hope I can get some help from you. Thank you for your time in this matter.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022 Someone fraudulently used my name to withdraw XXXX XXXX from my account. I reported it to the bank the next day. The bank kept saying that they were investigating. Refused to claim. This time I have to call the police. 
XX/XX/2022 Once again, someone used my name and driver 's license to withdraw XXXX XXXX from my account. I didn't leave my side during the period of my driver 's license and other ID documents. I also felt incredible, but the bank refused to settle the claim.
Consumer complaint received 2022-10-04
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: Sessoms & Rogers, P.A. (NC)

I have been trying to contact XXXX  XXXX XXXX about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to sessoms and rogers. I called sessoms and rogers and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against sessoms and rogers and XXXX  XXXX XXXX to the cfpb and XXXX. XXXX  XXXX XXXX on two occasions did not want to comply with the XXXX. on the last occasion, they rejected the complaint from the XXXX. sessoms and rogers never even replied to the XXXX  complaint i had against them. XXXX  XXXX XXXX also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at XXXX  XXXX XXXX will talk to me. I am a XXXX veteran and I must report XXXX  XXXX XXXX and sessoms and rogers to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now
Consumer complaint received 2022-10-04
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: Diversified Adjustment Service, Inc. (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have a synchrony credit card through Lowes. I have recently noticed that I can not seem to move the balance down hardly at all. Upon further investigation I was able to locate a card security fee. After hours of research, I was able to pin down what this was. Apparently it is a fee that varies based on balance to cover if something happens. I absolutely never agreed to have this added onto my card. I called the card security for the synchrony card to get it cancelled and request a refund for this. They did cancel the fee for the future and refunded ( not yet 3-5 business days ) {$740.00} according to the representative. I asked her how this could have been signed up for when I did not have anything to do with it. She said it was signed up for in XX/XX/2009 when the card was opened. I never agreed to this and would like to know how this was happened. I did end the call with them, but after digging even more, I realized that XXXX $ is only like one year of fees. We are talking about 12 years of fees - thousands of dollars, taken without any written approval. The representative said they only need verbal agreement, which no one gave. I fee I am in my legal right to get all of the fees refunded and I can not fathom how this is okay. They could sign anyone up for this verbal agreement without asking anyone. I am disgusted that people, including me, are being taken advantage of.
Consumer complaint received 2022-10-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2022-10-04
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: Experian Information Solutions Inc. (KS)

I requested Experian to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, Experian, and XXXX updated my credit report with more inaccurate information on my credit.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

My account balance on XX/XX/2023 was {$670.00}. Banana Republic took out {$1800.00} on XX/XX/2023 because my statement balance on XX/XX/2023 was {$1800.00}. They took out {$1100.00} more than my account balance. This has created a financial burden. I requested they fix it and they told me it would take 10 business days to mail me a check even though I didnt pay via check nor did they have the right to take the extra money. I didnt owe it.. I asked that they reverse the payment they had processed in error or overnight my check and they said they would not. This is criminal. They should never take more money that what is owed to them. I will eventually get my money back but this practice of how they are processing payments should be examined and I would expect them to correct it and at the very least expedite an error when its this large of an impact. 

Thank you