davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX has violated my rights 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY ANOTHER, ACCORDING TO FCRA COLLECTION/CHARGE-OFF IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. COLLECTION ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. THESE ARE VIOLATIONS PLEASE REMOVE AND SEND UPDATED REPORT 1.XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc. (TX)

Ncb Management Services re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, XXXX Consumers. I have pictures to show you
Consumer complaint received 2020-09-18
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. (HI)

I sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

XXXX, XXXX  & Experian ( Please see attached Documents ) I received my XXXX  Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus EXPERIAN & XXXX!
Consumer complaint received 2020-09-18
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act Accounts : XXXX ACCOUNT # : XXXX 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 the information is inaccurate Has violated my rights as a natural person 15 U.S.C 1681 section 602 A. States I have the right to privacy.

they sent me a letter back saying they are reporting validated information when I look at my credit report I see multiple errors Date opened is INACCURATE XX/XX/XXXX XX/XX/XXXX Date of last payment is INACCURATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TX)

I have requested numerous times for the company to stop contacting me but they continue to call and call me names and harrass me saying that I need an attorney. XXXX XXXX is the last representative that I spoke with.
Consumer complaint received 2022-11-18
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. (SC)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-22
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: DISCOVER BANK (OH)

Back in XXXX of XXXX, I was a victim of credit card fraud and identity theft. I filed a police report and everything. The person had stolen my social security and was able to log into all of my online bankings and change my passwords and apply for cards in my name that I didnt even know existed. I am XXXX  and Discover gave me the run around. I had to get my mom involved with XXXX before they finally refunded me and froze my account like i had asked. But I did not involve my mom with the discover, as she was busy and so was I. I am a XXXX XXXX XXXX XXXX  and I was working full time and also have a XXXX XXXX XXXX XXXX  before I was XXXX. I had called discover multiple times while in school, while trying to study and complete my schoolwork, trying to get it resolved. They opened an investigation and cleared some of the dispute in my favor. However there were ATM withdrawals from my discover card, and I had never made atm withdrawals from my card so I reported it immediately. I dont even think they helped me to freeze my account initially and didnt believe that someone had hacked into my online banking. At this point I wasnt even able to log in to verify myself!!! I couldnt even verify myself because of what the fraudster had done. When asked for proof that It was me who had done the withdrawals they just said the investigation said it was me. They didnt send me anything in the mail about the results of the investigation. And to this day are calling my mom, my dad, after I had blocked them because they kept calling me and would not resolve my issue saying i had to pay them back. Whenever on the phone with them I would get transfered to person after person after person. And no one could tell me why I was directly responsible. I contacted an attorney general and know my rights under FCBA and if they dont resolve this case I will press further. I know that I could be entitled to them refunding the money and possibly even double for all the time that they have given me the run around. I will never own a discover card again. Some of the people I spoke to on the phone were very rude and not respectful at all.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased A car from XXXX XXXX XXXX XXXX XXXX in XXXX Ga. They didnt give me My car I signed for they gave me A Loner car. I was driving in the loner car until my car ( XXXX  XXXX XXXX ) was finished. I put money down on the car in the middle of XXXX and decided to give the car back at the end of XXXX because the loner car was messed up and they still wasnt giving me updates on my XXXX XXXX XXXX. XXXX  from XXXX XXXX XXXX XXXX kept ignoring cars calls because I wanted to get a full return on the car. XXXX XXXX XXXX wrote me out a check for XXXX. I went to the bank just for them to tell me his account couldnt withdraw a limit over XXXX. XXXX XXXX I returned to XXXXXXXX XXXX XXXX XXXX  to get two different checks which was both worth XXXX ( I was able to cash on different days ). Fast Forward XXXX XXXX started calling two times a weeks at the end of XXXX for a balance I didnt know I owed. I called XXXX from The dealership several times to see why I owe a balance, he told me it was wrong and he been called them. He Was lying, now I have a car I never had on my credit report
Consumer complaint received 2020-09-18
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: LEXISNEXIS (CA)

I just received a response from lexis nexus from CFPB about a bankruptcy I disputed that they have on my profile. Not only did they say they verified this through a public source pacer but they said they verified my last four digits of my social security number and date of birth. According to the FCRA they need to verify my full identity not just the last four of my ssn. Social security numbers are only unique in the first five digits. This is against the fcra
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Advance America, Cash Advance Centers, Inc. (NV)

Advance America XXXX XXXX XXXX XXXX is refusing to allow my loan to process and are using all kinds of manufactured excuses and or jargon and double-talk against FCRA regulations and or protocols such as age, gender, background and all other reason that are biased and not based on factual or any fraudulent reasons other than direct and intentional denial of proper funding for my emergency needs such as emergency relocating due to extenuating and mitigating circumstances surrounding sufferage, unfair treatment and credit reports endorsing non-factual information from Lenders specializing in Consumer Sabotage and using pushy tactics and or unauthorized use of personal info data and the likes to access and use deter or prolong the actual use of my established or non-established credit this loan was pre-approved as loan towards my accepted tax return in which I am solely responsible so this is not even average or normal consumer funding in addition it was and is directly for emergency use for business, home, and automotive care and needs in order to stop and prevent any further damage to the credit I was so wonderfully establishing building with all of my last years interactions and openings. So the assistance and progress that was going on was stagnated and stopped by unfair and unethical trade practices intiated by the same people who are to protect my credit and accounts they've allowed accounts to get closed instead of corrections refusing to fix or honor my consumer wishes allowing multiple of my payment methods to be compromised by NON-account holders on non-joint accounts allowing access to my funds data and privacy by non-account holders and ignoring my constant. Request for disputes or discrepancy. So I am reporting this violating of the FCRA and denying my access to pre-approved funding on my tax return funds. 
Insinuating my authentication or identity is in any way wrong or not me based on the use of shortened version of my first name in which irs is fully aware of.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Tried to place a fraud alert on Transunion after being notified of a breach of security at Utah XXXX XXXX , Inc. I was able to successfully place alerts on XXXX and XXXX  online with absolutely no problems. Transunion was impossible. I called customer service and they were no help at all. Kept asking me to try different browsers, different sites, or the website is temporarily down, etc. Nothing worked! This is not the first difficulty I have experienced with them. I faxed copies of S.S. card and license in the past, only to be told they never received the fax! Their website is awful, customer service is incompetent and I am not sure how they ever became a major credit reporting agency. Consumer alerts had them rated 1 star. They have thousands of reported complaints. Their license should be revoked. Is your agency aware of this and investigating?
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

After closely reviewing my credit reports, I have established that JP Morgan Chase Bank ( JPMCB ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XXXX XXXX, 2022, I sent a letter putting JPMCB a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Had a credit card through Bank of America for probably a decade or more and my payment history was spectacular. Back in XXXX or XXXX of XXXX, I paid off the full balance on the card. Apparently I did have 2-3 items that were monthly charges on the card and didn't realize it. When you sign up for paperless billing, you don't get anything mailed to you anymore. So I wasn't seeing an account statement email and those charges accrued for 2-3 months before I was notified by Bank of America that I had an overdue balance, around XX/XX/XXXX. I talked to an agent and asked him to send me the last 3 statements so I could make sure I got everything cancelled and told the agent I would pay the balance in full as soon as that was received. Those statements were never sent to the address I gave, and they moved my account into their collections department. I talked to an agent in that department on XX/XX/XXXX and told him I wanted to pay the balance in full and close the account. He told me he would waive the late fees, so instead of paying {$330.00}, I paid {$260.00} and got confirmation from the agent I was paid in full and my account would be closed so nothing else would charge to the account. Then, a week or so later, I get an emailed statement saying I still owed {$65.00}. I called BOA again. I asked them to review the call I had where I was told I would owe nothing else and my account would be closed. They just kept telling me that department didn't have the ability to review calls, asked them to send that request to the department that did. Just kept getting the run-around for the agent ( and manager ) I spoke with. I just wanted them to listen to the call and call me back and tell me if they thought I was treated fairly. Telling someone an account is paid in full and closed, then sending a bill for more money I believe would fall under both the FDCPA and UDAAP regulations. On top of everything, this financial institution has gotten so big, you can't even call them without getting transferred 2, 3, 4 times, placed on hold, using hours of your day to try to resolve an issue. It's almost like they want to make it so hard that people will just drop their complaints and just pay the bill, whether it is collected fairly or not.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding ongoing issues I have encountered with Bank of America, that have severely impacted my business. Over the past several years, I have made multiple attempts to cash checks legitimately written to me for business purposes at this institution. However, each time, the bank has refused to cash any check that bears my name. 

What is particularly troubling is that the bank has consistently refused to provide me with any explanation for their actions. Despite my repeated requests for clarification, I have not received any reasoning or justification for these refusals. 

The inability to cash these checks has caused significant disruption to my business operations and has adversely affected my reputation with clients and partners. The lack of transparency from the bank has made it impossible for me to address or rectify any potential issues, leaving me in a position where my business is unjustly hindered. 

I am seeking your assistance in investigating this matter and ensuring that the bank is held accountable for its actions. I also request that the bank be required to provide a clear and valid explanation for their refusal to cash these checks, so that I may take the necessary steps to resolve the issue. 

Thank you for your attention to this matter. I look forward to your guidance and support in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCM Finance LLC (TX)

CCM finance is reporting negative account to my credit. They are stating that i had an account with late payments and i do not remember that ever happening. I have sent several disputes and i also sent a method of verification showing that i had an account with them that was ever late. CCM finance never got back with me. This is a violation of FCRA 623 ( a )
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.