davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I purchased a vehicle I found on XXXX. The vehicle was listed by a dealership in XXXX XXXX Indiana. All pricing/delivery terms were agreed to. The selling dealership proceeded to fax in the documents required for funding. The bill of sale the dealership sent was not the original that I signed. USAA released the funds to the dealership which opened the loan in my name. The dealership committed fraud by not delivering the vehicle. I called USAA as soon as the delivery time was missed ( within a few days ) to inform them of the fraud situation and they refused to help. I uploaded the police report to USAA 's portal and requested the bank 's Fraud department to investigate and cancel the invalid loan. I have no vehicle title to send to the bank as the vehicle that was " sold '' to me actually belongs to it's rightful owner in another state. Now this open loan will show as a lien on a innocent bystander 's vehicle that has no idea of the situation. 

My loan contract contains a clause stating that I am giving USAA a security interest in a XXXX XXXX XXXX XXXX but this clause is not met because a legitimate vehicle purchase never took place. 

Additionally, I understand that both USAA and the bank that received the funds ( XXXX XXXX XXXX XXXX ) have policy 's and protocols in place to protect consumers from fraud. ( Bank Secrecy Act, 31 U.S.C 5311 / FINRA Rule 3310 ) I have been a USAA customer for over 10 years and both USAA and XXXX XXXX  XXXX XXXX failed to protect me as a consumer. I am requesting the CFPB to investigate this.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX. My paypal account : ( XXXX ) has stucked funds last XX/XX/XXXX in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (WI)

For several months I've tried to get Equifax to update outdated and inaccurate personal information. I've also tried to have them remove inquiries on my report that I did NOT authorize. Per the FCRA, this is a violation of my rights as only updated and accurate information is to be reported. Equifax 's refusal to abide by the law and fix their mistakes is inexcusable. It leaves me open to fraud, is causing me undue stress and costing me money.
Consumer complaint received 2020-10-01
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. (FL)

XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/2019 I paid 2 collection agencies. I was told my credit report would be updated. My credit report at Equifax was never updated. I was told by XXXX XXXX XXXX I had to wait. I filed 4 complaints with the XXXX XXXX   XXXX against XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of XX/XX/XXXX there is no change to my Equifax Credit Report.
Consumer complaint received 2024-08-10
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. (CO)

I applied for residency at a new apartment in XXXX, Colorado last XX/XX/year> and the property management company ran a " hard '' credit check on me and I was docked XXXX points from my credit score for this single check by Experian which is the company my bank uses for their customer XXXX XXXX XXXX XXXX XXXX  XXXX ). As of this week, Experian has only given me back XXXX points towards my score. I went from XXXX down to XXXX just for that single credit check. Experian gouged me for the single check and decided to ding me XXXX points?? What's up with that? That makes no sense and is completely unfair in my opinion and they are now being slow to give points back when I haven't done anything wrong to deserve being compensated back so slowly for what they took away in the single check. What possible reasoning could they possibly have to justify both the large gouging of points and now the slow replacement of the points? Is it some person at a desk making an arbitrary decision with no data supporting their actions? 

So to summarize : XXXX. They docked XXXX points for a single credit check, which is a ridiculous number to dock someone for a single check. Someone who has excellent credit. 

2. They are being extremely cheap in restoring my credit score back to its original XXXX points where I was at when they docked the big chunk of points back on XX/XX/year>. 

Is this just a broken system? and we are stuck with this ridiculous unfairness? 
What a disaster it would be if I had to make several applications to different apartment properties at the same time. Should we just never move to a new residence because they'll gut our credit every time we want to move, even though we've done nothing wrong?
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XXXX/XXXX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of XX/XX/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.
Consumer complaint received 2023-01-11
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-20
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX. number XXXX XXXX XX/XX/year> They could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verifcation of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, XXXX XXXX, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information XXXX be listed on my credit report. Section XXXX of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : XXXX XXXX is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Consumer complaint received 2019-09-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (WV)

For one thing they didn't tell me when I took the loan out that there was 300 % interest on this loan. Didn't tell me as you go everyday that the loan grows interest everyday. Also I'm on public assistance. And I only get ssi every month. I can't afford payments of {$300.00} to {$400.00} a month. I tried to explain this but no one wanted to help me when I called. Now it's put agaisist my credit. If I could make a small payment a month I have no problem paying for the money I got but the interest is way too much
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC (IL)

This is regarding the transaction that I made today with PLS Check Cashers at XXXX XXXX XXXX, XXXX, IL, XXXX. I went there to purchase XXXX of XXXX car sticker. I explained to the Cashier that I moved from XXXX to XXXX recently. I presented to her various documents such as utility bills, USPS change of address notice, Mortgage Statement. She informed me that she needed a document from me to support that I transferred to XXXX. I presented to her the documents. She stated that, " this is not what I needed.I need a document that of a Lease of the new address. '' I informed her that I do not have the Lease since I bought the property and not renting it. 

The cashier insisted that I pay a late fee of {$60.00} for a XXXX of XXXX sticker. The reason that she charged me with additional {$60.00} late fee because I can not present a document that I moved to XXXX. I asked her that would it not sufficient that the change of address Notice date on USPS in XX/XX/XXXX? 

I think collection of late fee is not justifiable since I brought and presented to the Cashier all documents needed to prove that I transfer to XXXX. This is a form of unfair consumer charging in an unscrupulous way. 

I was charged for a XXXX XXXX Sticker for a total of {$160.00}. The car sticker is only good for 6 months ( XX/XX/XXXX ). I was charged of an additional fee of {$5.00} ( which it was not explained to me what this fee for ).
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

I had an issue with my bank check account, Some one try to access my account and ordered a check under my name, my bank send me an email that I ordered a check book. I called to my bank and let them know that I didn't order. My bank and I know that some one try to access and get money from my account. My bank closed the old check account, and send me a new check book with a new number. After I received the new check book, Someone use my old check and get XXXX on XX/XX/2022. It is a fraud. I haven't use a check for a long time. My Issue is after the old check account is closed and my bank told me not to use it, How come they allow someone to use that check. To me the bank teller make a mistake. After I called and told them on XX/XX/2022 they told me they blocked it after the damage is done. I called today to the claim office, the person told me that I have to wait 90 to 120 days to get my money back from another bank. If the other bank can't give me the money Wells Fargo can't do any thing. The other bank is that the person checked the cash and took the money out. The claim office told me that is a lost check but it wasn't. I didn't tell them that I lost check. My bank Wells Fargo can't help me with this Issue. The reason I am writing this is because my Bank made a mistake and allow to access the old check. I would like my bank Wells Fargo to pay me my money back.
Consumer complaint received 2024-11-06
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. (TN)

I reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are affecting my ability to obtain credit. 




tHE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 

15 U.S.C 1681 S-2 ( A ) ( a ) 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Legal Action Bureau Inc (TN)

XX/XX/21 - I have a recording of the call with XXXX from Legal Action Bureau. He repeated called before XXXX CST on XX/XX/21. In addition, when I spoke with him on XX/XX/21 - I put him on hold to research my bank records, as 1 minute passed, I came back to the phone to ask XXXX to hold on another mintue, he aggressively response, " you know this is real and we're going to report it for {$100.00} if you don't pay. '' I tried to explain and he continued to over talk and become more aggressive in his approach.This company should not be in business or XXXX should be fired. XXXX lied and said that if I don't make the payment through legal action bureau by XXXX Eastern time, that it will be reported to my credit bureau. I contacted southern lawn made the {$100.00} payment XXXX at XXXX on verify that I have a choice if I want to pay through them I can or legal action bureau. She confirmed that since I made my payment through southern lawn, she would contact legal action bureau and let them know the payment has been received. XXXX is in violation because one he lied to he's aggressive and he was harassing me. In addition if you listen to the recorded call they did not even contact me the correct way they had the incorrect email and phone number and today yesterday was the first time they contacted me regarding this so that was wrong.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (CA)

While I already filed a complaint that is now closed.as Citibank has refused to take any accountability, it must be addressed and is wrong in so many ways. I have spoken with XXXX different people, received contradictory information, received horrible customer service, and now have had XXXX credit checks by Citibank and gotten nowhere. I was told that I was preapproved for a card and I wasn't, I was told that I had to have a second credit check but would be approved ( but wasn't ), then told a credit limit of {$500.00}, then told I had to activate card to ask for increase and they COULD NOT expedite. They then sent to wrong address. 

Finally their executive office calls back ( ONLY after a XXXX report filed ). I was told that I could apply for another card without a credit check ), then received a letter ( not a human being ), then was told by a different executive that they could look into this unless there was a XXXX credit check as too much time had passed ( due to their incompetence and what I believe to be intentional stall tactics ). Now I am told to wait another 2+ weeks to see what could be done. 

I believe this to be a form of entrapment. They have told me so many different things, stalled me being able to move forward, my credit rating has dropped, and I am vested with them that they are strong-arming me and preventing me from working with another lender since they have ruined by credit score, So essentially, they keep bringing me down a trap that I have to stay with them. They said I was not approved for the second card recommended by XXXXXXXX XXXX  XXXX yet told me to apply. Per attached, they said I was not approved due to too many inquiries ( XXXX OF THEM WERE THEIR OWN INQUIRIES!!! ). 

Their tactics are misleading and contradictory information either intentionally or due to a lack of training and a broken system. 

I have attached their reply letter, my credit score decrease due to Citibank and the specific pulls within a week because I trusted what they told me. 

Despite it having transpired in XX/XX/ 2015, this has obviously been an issue before : CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices