davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live and bank in XXXX XXXXXXXX XXXX 
On XX/XX/2022, at XXXX pm XXXX, I received a Bank of America debit card in the mail from the Employment Development Office with a statement that {$1000.00} had been deposited into my account. 
At XXXX am on XX/XX/2022 XXXX, I tried to activate my card only to discover that someone had hacked my account and transferred the money to a routing number somewhere XXXX XXXX 
On XX/XX/2022, after endless back and forth with Bank of America and EDD, I filed a fraud claim with Bank of America, Claim # XXXX. 
On XX/XX/2022, Bank of America denied the claim, stating that no error had occurred. 
On XX/XX/2022, I called Bank of America to dispute my claim and was told that my claim was rejected because I had not filed a police report with my claim. That morning, I filed a police report in XXXX XXXX, XXXX where I live ; and I faxed the request for reconsideration to Bank of America. 
On XX/XX/2022, I received a letter from Bank of America stating that they concluded that their original decision had been correct. 

The reason I am filing this complain is because Bank of America is not taking responsibility for losing my money. How could I have possibly accessed that money if my card had yet not been activated? Why did they put me through the unnecessary time and expense of getting a police report? 

Furthermore, when I spoke to the Fraud Department at EDD, they told me that this was a common problem with Bank of America in the XXXX XXXX XXXX XXXX. 
Evidently, Bank of America has a history of this kind of mistake and were admonished by a judge that they were making the claim efforts against them onerously difficult.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This complaint will be the third and final attempt at resolving this matter outside of Federal Court.

Laws Cited : 12 U.S. Code 1431, 12 CFR 226.15, 12 CFR 1026.15, 15 U.S. Code 1605, 15 U.S. Code 1635, 15 U.S. Code 1640.

The response provided by Credit Acceptance Corporation to my Notice of Rescission was immaterial. Let me emphasize 15 U.S. Code 1635 ( 4 ) Applicability to indicate that the consumer credit transaction referenced is indeed able to be rescinded. 
This consumer credit transaction is not partied with an agency of the State nor is it a residential mortgage transaction. Also this credit consumer transaction was indeed consummated after XX/XX/1995. These reasons will render the referenced transaction the ability to be rescinded, subsequently placing liability and violations on behalf of the Credit Acceptance Corporation. 

Let the record show that there are various errors in the Finance Charge. Credit Acceptance wild be held liable for sai

d errors. Please visit 15 U.S. Code 1605 when r
eferencing this list of errors found in the Finance Charge.

1. Finance Charge did not include premium for Insurance.

2. Finance Charge being the sum of all charges payable yet Finance Charge reads {$10000.00} in contradiction to Total Sale Price of {$26000.00} and {$13000.00} itemized.

3. Coerce consumer with fraudulent bills to pay principle which is not included in the Finance Charge.

4. Cash down payment included in Finance Charge in referenced consumer credit transaction. 

Please be encouraged to have your legal team thoroughly review the cited laws prior to responding. This is the final attempt at resolution outside of Federal Court.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to fix this problem with all companies including XXXX major reporting Bureaus XXXX, TransUnion, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.
Consumer complaint received 2022-07-08
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. (CA)

XXXXXXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.
Consumer complaint received 2022-07-08
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-03
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. (PA)

XXXX XXXX XXXX XXXX  reported " Past Due '' and " Late '' on 2 " Auto loan '' accounts under account number XXXX on XX/XX/2021 for the balances of {$510.00} and {$380.00}. I the consumer have already sent a validation of debt letter in to XXXX XXXX XXXX XXXX to prove validation that I the consumer owe such debt. I the consumer also included in my Validation Of Debt letter a Cease and Desist to Cease communication and to not report negative to MY credit / consumer report. My rights has been violated as a consumer under 15 U.S. Code 1692g
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 

Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX Date Updated XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-08
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. (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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-12-08
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. (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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-12-08
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: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted Wells Fargo, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.
Consumer complaint received 2022-07-08
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 Reporting Act XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I checked my credit score today so as of XX/XX/22 it is XXXX. It went down XXXX pts because I decreased balance by {$390.00} and {$450.00} on two loans. I spoke to XXXX and her supervisor XXXX both said there was nothing I could do but hire a XXXX XXXX and there was no one I could talk to about this at Experian, no other supervisor or anyone about score decrease. XX/XX/22 went down XXXX pts when I decrease balance by {$51.00}. I'm confused, in the past and everything I have been taught is credit score is supposed to go up not down when I pay down creditors. Can you help please? I have another issue of my score going down XXXX pts ( on Experian & XXXX pts on XXXX ) for {$11.00} missed payment with XXXX. I have been with XXXX on this account XXXX months and have never missed a payment ( always pay in full ) even though I have NEVER received a statement from them. I called them and they said you are signed up for email billing, we verified email on acct and still I get nothing. I stopped email billing XXXX months ago and still have not received paper billing through the mail. Frustrating to say the least. Please help!! I am XXXX about keeping my credit good and score high. Thank you, XXXX XXXX XXXX After speaking with XXXX and XXXX now I can't get into my account and its now says I do not have an account
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (VA)

I applied for this card. Services were never authorized or accepted. The card was fraudulently activated the company says. 

I have never used or activated this service. The company file a late payment to my credit bureau for an ever increasing amount. 
I have spent over three hours on several phone calls with the company. I have even been assured that the balance was settled and account was closed. Still, my credit score was damaged for false late fees. The company now wants {$90.00} for services never provided or accepted.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On XX/XX/2023 my CashApp account was closed without warning. Ive been reaching out to the company to try to resolve this issue however, every time I access their customer service number, Im told they can not discuss the account with me and I have to contact them through the customer support chat. When I try to contact someone through their customer service chat they tell me they can not help me and I have to wait on an email from CashApp to resolve. Ive been checking my email account and have not had any communication with CashApp about my account since they closed it unexpectedly. I get this same message each time I reach out for help with my account : You will be receiving your update via email. The response times for our specialty teams may vary on the volume of support requests at that time. I'm unable to confirm any concrete time frame, but I assure you that our team will be in touch with you as soon as they have an update on your case.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I was before the covid 19 pandemic on my loan. 
JP Morgan Chase gave a forbearance for almost 15 months. 
Now i have the money to pay all the arrears before the start of the pandemic But Chase wants me to pay the 15 months of the forbearance months. 
I can not afford to pay the arrears plus 15 months lumsum right away. 
Chase did not disclose to me that once the forbearance period is over I will have to pay arrears plus 15 months which they voluntary suggested No disclosure was made when they decided to give me a break during the pandemic. 
They did not disclose to me that everything will be due right away. 
I am willing to pay arrears but at this time I can not pay the deferment of 15 months.
Consumer complaint received 2022-07-08
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-09-26
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. (AZ)

XXXX/ XXXX i filled out a fraud affidavit for them, XXXX XXXXXXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.