davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited checks on XXXX XXXX not realizing they were doing a scamming. The company that sent the checks or the people who I was speaking to told me it was for a job and while I did search the company and all everything seemed legit and nothing seemed sketchy. After a day the people kept trying to pressure me and asking if the checks deposited that when I realized it could be fake and I tried to cancel the checks but it was already too late. I understand the policy of the bank and why they had to close it but I just wasnt asked any questions I have to evidence of when I spoke to the people and why I thought it was all a real job I just wish further investigations were made for the case.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

( CREDIT ACCEPTANCE CORP NJ COMPLAINT ) Credit acceptance Corp, inside of XXXX XXXX XXXX in XXXX, New Jersey, is the financer for vehicle said in statement. They had me at about 23 % interest rate with a {$390.00} payment for a XXXX XXXXXXXXXXXX XXXX with XXXX miles on it. 


Early last year I purchased a vehicle from XXXX XXXX XXXX in XXXX, New Jersey, from the beginning the car had issues. It would shake violently, mind you this is right off of the lot, I had to bring it back to the dealership to get fixed. It took them about 34 days to fix my new vehicle, and I was out of my new vehicle for 34 days. After everything was fixed my vehicle drove okay besides a TPMS code going off. I was driving my vehicle about 2 weeks ago and my transmission went out of nowhere without any sort of noises, feelings, or just general malfunctions. I understand that credit acceptance Corp is already in a lawsuit with your organization and the state of New York, I wanted to let you know that this is also happening in New Jersey. They are financing lemons to people that are desperate for cars, hiking up their interest rate, and taking advantage of them. 

Thank you for reading this and taking the time out of your day, I hope to hear from you soon.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

Was having difficulty with Cash App account on XX/XX/2023 The service rep. Contacted turned out to be a fake scam and took {$500.00} dollars and transferred it to another account. 
*Cash app will not follow through on who took or received the money. They literally have no way of knowing who took the money if individual doesnt respond. 
*I know now Cash app is known to be seriously scam affected and by my banks response but Cash app does nothing to protect its users. I can literally XXXX and find multiple Cash app service messages that are fake. Why isnt Cash app taking action? Its not their money so they dont care. 
*Cash app is pushing XXXX big time. No safety precautions for users at all. 
*Cash app is available only restricted hours and its confusing how to contact.
Consumer complaint received 2022-05-27
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. (MO)

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, XXXX, and TransUnion credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) 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 account removed from my file.
Consumer complaint received 2022-06-16
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: 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 719transunion has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-27
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: Chime Financial Inc (NC)

I made a purchase on XX/XX/2022 in the amount of {$680.00} from the merchant XXXX for a XXXX printer, the XXXX  XXXX XXXX. When I received the product it was defective and would not work. I contacted chime to dispute the transaction and I contacted XXXX and opened a dispute through them. XXXX looked into the matter and said I would get a refund, but chimes dispute put the order on hold, I provided the information to chime and they ruled that I would not get a refund because no billing error occurred. The information they provided me for why they denied the dispute makes zero sense and the document that was attached was issued 3 months before the printer was ever available for sale. Because of chimes chargeback dispute the order at XXXX was frozen, they have been unable or unwilling to unfreeze the order and so they tell me they can not issue me a refund to go through my bank. I have provided every bit of information to chime and they refuse to reopen the dispute and investigated. I spoke with a floor manager of the dispute department yesterday, XX/XX/2022, and he had me provide the evidence that XXXX said that they were issuing me a refund, and reopened the dispute as refund / credit not received. He informed me that that was enough information to grant me a refund, and then he escalated it to the rebuttal team. Less than 24 hours later in a investigation that is supposed to take up to 90 days I received an email that states that they will not be issuing me a refund and they consider the matter closed. I am currently out XXXX for a product I was sent that does not work.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (GA)

I made a payment over the phone with a PNC bank representative on XX/XX/2022 of {$95.00} to pay my PNC Points credit card account ending in XXXX. The payment was processed, however, later returned days later as an invalid account. I called PNC to resolve and after their investigation, they determined that the representative had made an error when entering my payment information into the system, despite my giving her accurate payment details. This was resolved and determined to be a PNC bank error, however, it is still showing on my credit report as being 30 days late on my payment for the month of XXXX despite my making my payment on time.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus.

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed.

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done.

I am beyond frustrated as this is damaging my credit. I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.
Consumer complaint received 2023-10-07
Product: Credit reporting 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. 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 2022-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I applied for an XXXX XXXX of XXXX through my bank ( Suntrust now Truist ) in XXXX. I was told the loan would close in 2 weeks. I originally requested XXXX the bank counter offered {$17000.00} for home improvements. I was approved and in XXXX, however the loan never closed. I can not get any one from the bank to explain the delay of almost 4 months. I have been denied access to anyone in the loan department or any one in underwriting. I believe I have been discriminated against as an XXXX XXXX XXXX. The bank required me to pay off a car loan and credit cards in order to bring down my DTI. I did exactly what was requested, I submitted tax records, check stubs, etc. Still no closing and no one will assist me. I have sent numerous emails, stopped by the bank, I am being refused service. It is clearly discriminatory. 
My bank contact is listed below : XXXX XXXX XXXX, XXXX, Vice President, Branch Leader II / Truist, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Mail Code : XXXX Office : XXXX XXXX Other customers are closing loans with in 2 weeks, Please investigate this egregious behavior.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/22. Amount : {$77.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 authorization
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I want you to send me the name and address of the original creditor? An illegal sign document with my signature. With the last billing statement and any fees that may have been added. And where did yall come up with this amount and how did yall come up with this amount. Only communicate with me only for this purpose do not call my phone & stop harassing me emails only.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX XXXX section XXXX A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I opened a XXXX card in 2021 and used in store. Last purchase was in XXXX of 2021 of XXXX USD but was paid XXXX days late. Since then i.e. XXXX of 2021 late fee upon late fees have been assessed to this card. I closed the card as well, but late fees continued to occur consequently. So far, XXXX USD of late fees have been charged to this closed card. The responsible bank is Comenity bank. At some point, XXXX started issuing aggressive phone call and text messages starting at XXXX am and continuing until late at night. The phone calls and texts were so frequent that I would receive 10 - 15 phone calls and txt a day. I have tried to call Comenity and resolve the issue by myself, with no success. I have found out Commenity is related with XXXX XXXX and XXXX XXXX  credit cards as well- I have purchased with these stores and as soon as I have found out the credit card company related with these stores is managed by Comenity I have paid in full and closed those cards. I don't know how I could resolve this issue when I owe nothing to XXXX and don't want to support predatory and unfair crediting practices as these. Could you please help and assist? Thank you in advance,
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: EQUIFAX, INC. (TX)

Equifax Complaint Closed accounts are being re-reported thus extending the 7 year timeframe for removal. 
They are stating credit debts now remain on your credit for 10 years instead of 7 and refusing to remove the closed accounts that are 7or more years old Refuse to allow one to speak to an " American '' supervisor who understands the how US mortgages, XXXX XXXX XXXX XXXX XXXX  bankruptcy and standard federal credit reporting law. 
Called several times between XXXX XX/XX/XXXX to report discharge of XXXX XXXX debts. They refused to update information with correct states. Instead they re-reported all closed accounts making them current and affecting my score. 
XX/XX/XXXX called to advise my credit score was XXXX XXXX less than the other 2 bureaus and the information was the same on all 3. They advised that 1 account closed in XXXX was the reason ( absolutely does not make sense ). 
I advised them it began when I was seeking mortgage in XX/XX/XXXX and the Equifax credit score was 20+ points different from the others. Now it is XXXX points and I have not had a delinquent account or missed payment since XXXX and I have not collection accounts at all. 
They provide my creditors with the following statements -severe delinquency ( no delinquencies at all ) -mostly pays on time ( only 1 missed pay due to covid in XX/XX/XXXX on 1 account ) - several collection items ( I have none ) I am also part of their class action and I feel this is retaliation.
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights, and 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 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

On XXXX XX/XX/XXXX- Experian issued a response to my dispute In Re : Report number XXXX. In review of Experian 's findings it states that it has " validated '' all accounts in dispute with the credit furnishers with respect to the " XXXX  XXXX Bankruptcy '' account status showing on the disputed items as well as on several other accounts on my credit report. 

Starting in XXXX of XXXX, I disputed my credit file with Experian, and provided them with a XXXX XXXX XXXXXXXX XXXX letter. of incarceration, demonstrating that the time in which all the accounts alledged to have been included in the XXXX XXXX Bankruptcy was impossible due to me being incarcerated. 

Additionally, a letter was provided to Experian demonstrating that the US Bankruptcy Court in my District has NO record of a Bankruptcy Filing with my information on it. This information was provided to Experian, in which they removed the " Bankruptcy '' from their report, however are still allowing over 30 items to show a status referencing a " Bankruptcy '' on closed accounts. 

Under the Fair Credit Reporting Act - Experian is violating its own policies and FCRA as it does not " Show a XXXX  XXXX '' bankruptcy ( see report dated XXXX XX/XX/XXXX ) but is allowing furnishers to report the XXXX  XXXX Bankruptcy, additionally, Experian is causing Harm to me as it shows in its Comments " Serious Deragotry " and XXXX XXXX Bankruptcy, however when you scroll to the Public Information " Section '' of the report there is No report of a Bankruptcy. I have provided Experian with the opportunity to correct this issue over the last 6 months and its has failed to do so. 

Experian can not Validate the information - and removed it from its reporting, but is still allowing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO report a Bankruptcy Filing in the comments section of each of the reported items. When in fact NO BANKRUPTCY belonging to me exists.
Consumer complaint received 2023-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

We were approved & all funds dispersed to Mr Cooper from NY State Homeowners Assistance fund on our mortgage # XXXX in XXXX of XXXX. We received proof from NYS that Mr Cooper was paid 3 paymentsthe first to bring our mortagage current, the second for 3 months of payments and the 3rd for another 3 months of payments ( 6 full months of advance payments ) This brought us to XX/XX/XXXX with a small credit to be applied upon us resuming our monthly payments. Instead, our funds from NYS were incorrectly applied by Mr Cooper ( toward principle ) and then reversed due to that misappropriation by Mr Cooper. Two payments were then never reapplied to our balance so we were being told that we had past due mortgage payments in excess of {$5000.00}. I have spent months on the phone talking to countless people to resolve this issue without success. Essentially Mr Cooper stole our NYS Homeowners Assistance Fund money and are now sending us letters saying we are in risk of foreclosure and we are over 175 days past due. I have sent countless documents of proof and even a line by line breakdown of how payments should have been applied and the line by line balance. After months of fighting with Mr Cooper to resolve this issue we still have not had the payments applied to our account and our risk of foreclosure letter has a must resolve date of XX/XX/XXXX. We are not in default on our loan and have made payments for the months of XXXX and XX/XX/XXXX but our HAF money has still not be applied. Months into this, they are now finally confirming from their end that the payments were indeed received from XXXX  our documents show. However, these funds from XXXX XXXX  have still not been applied to our account. My Cooper has not only stolen our NYS funds.they are also threatening foreclosure on our forever home we have lived in for almost 20 years.