davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

after reviewing a statement of my credit card charges I saw a number of charges to XXXX. I knew these couldn't be correct since I don't have an XXXX account nor have I bought anything from XXXX in at least 15 years. 
I called Bank of America and told them about the fraudulent use of my card and asked for a new one. They then checked and found aprox {$1500.00} XXXX charges going back several months. the charges had been small and hidden over several months up until the last month where there was 3-5 charges a day ... very obvious. If the criminals hadn't jumped up the charges to 3-5 a day I might not have seen them.

So BOA started a fraud " investigation '' but in reality they just looked at their contract and saw I only had 2 months to report fraud charges on my card, or two billing cycles as they call it. so that's where the " investigation '' ended and they simply dropped it and said no you don't get this as fraud.

so I called them and they explained this absurd situation to me. I then said well there is at least two billing cycles in there that can be valid fraud. why cant we submit for those two cycles ( XXXX XXXX XX/XX/XXXX )? The person I talked to said no they wont do that because the fraud is all one case dated back to XXXX of XXXX. I was told they wont separate the fraud into two claims. SHE PATIENTLY TOLD ME THERE WAS NOTHING I COULD DO BUT BASICLY PAY THE FRAUDUANT CHARGES AND BE DONE WITH IT.

So they didn't do an Investigation. they don't care that it was fraud unless they can use it to make me pay for charges I didn't make, they wont work with me to separate out the two, by contract cycles of fraud.This is why so much Fraud happens. the trash gets away with it. BOA has no interest in helping the consumer ever since they " transitioned ''. There is no reason not to separate out the charges that are contract viable. They just don't feel its worth their time. So what if it cost a consumer hard earned cash, no problem for them right? And BOA gets to charge more interest on all those fraud charges so it a win/win for them.
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial XXXX  and XXXX.
Consumer complaint received 2022-02-05
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. (UT)

EXPERIAN XXXX XXXX XXXX XXXX IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX  that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX  out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
Consumer complaint received 2023-04-07
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. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -CAPITAL ONE BANK USA NA # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX
Consumer complaint received 2021-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cheadle Law Firm (TN)

To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with American financial. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that XXXX XXXX trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know American financial sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXX.They are get over and using they lawyers as intimidation. 
please hold the firm accountable for unfair practices.
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.
Consumer complaint received 2021-07-07
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. (FL)

I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (NY)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

I was banking with chase from I believe XXXX of XXXX until XXXX of XXXX and someone hacked into my account and began doing fraud. I contacted them trying to resolve the issue and they stated they couldnt do anything about it.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX XXXX and Experion be removed. I have the right to Privacy and these XXXX companies have tarnished my hood standing.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I deposited a check using mobile deposit. The screen confirmation told me that there would be a 2 day hold on my funds. I then received a subsequent e-mail stating that my funds would be held for five days. This additional hold has caused me not to be able to purchase food for myself or my family. I called Navy Federal and they stated nothing could be done because their security team does not work on Saturdays.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Trying to change address and telephone number to get in on my on line account ... ... I have made over 17 calls to Capitol one Customer service since last XXXX when I relocated to Texas from Iowa, they all say I will never get on line to pay bills by internet unless I get a phone in my name??? ... ..They will not allow me to change my phone number since I am on my Daughter and Son in Laws XXXX Account ( they own XXXX stores in Iowa ) so I get a better deal ... ... ..They say I have to get a phone in my name for me to get on line to pay my bill. Never had any problem until I got rid of my land line when I moved..It 's going on 8 months now I have been trying to get this issue solved ... It's been challenging needless to say ... ... ... They also stopped my paper billing at the same time so I couldn't change my address or telephone that way ... *sigh It's very frustrating to call each month to pay by phone and not be able to see charges etc ... .I hope someone can help me get this problem solved..Thanks
Consumer complaint received 2022-10-07
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. (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. 

XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights 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 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 to cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-25
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: T.S. Holdings (NY)

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX  nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX  and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and XXXX.
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I purchase new care from XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase XXXX owner sold my loan to Santander USA which is a subprime auto lender affiliated w/crysler which was on same lot as XXXX Dealership and owned by same man. Santander was sue by 34 states in XXXX for deceptive and unfair business practices. I've had my car 3 years on XX/XX/XXXX and I don't even own a tire on the car. Santander has taken all my pmts interest only and my APR is 26.32 %. I'm XXXX yrs old. Santander has submitted negative info to credit agencies and I've been forced into oppressive conditions unable to trade in or refinance car. I've been put in a position to default or continue to let them steal my money. I was sent email XX/XX/XXXX that {$4200.00} was paid in principal but now I'm told it was a mistake.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 there was an unauthorized ATM withdrawal for {$800.00} followed by another unauthorized ATM withdrawal for {$1000.00} at the same ATM machine a few hours later on XX/XX/2020. I notified Bank of America immediately but they have not helped me, I supplied a police report but still no refund to my account.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delivery Financial Services, LLC (AZ)

XXXX XXXX around XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$55.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. They agreed to remove erroneous charges. On XX/XX/XXXX received XXXX  Credit bureau notification that Delivery Financial reported the {$55.00} Medical Debt. I called Delivery Financial to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Delivery Financial is investigated for reporting collection debt to credit bureau and ruining my good credit.
Consumer complaint received 2023-05-12
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: Block, Inc. (TX)

I transferred my services from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 to XXXX XXXX . The agents from both companies were on the line as well as myself when it was confirmed that my account was closed and number ported to new carrier. The next couple of days I get a charge for monthly bill from XXXX XXXX on XX/XX/2023 on a closed account. For the last couple of weeks I have had claim after claim denied for funds to be returned to card. Boost mobile claims even thought the account was closed and disconnected from their server that Autopay was still pulling funds. On XX/XX/2023 they removed autopay but account was still closed. Boost mobile claims they have no way to refund me the money do to the account no longer being active. Yet it was active to take it but not active to give it back. Every agent of XXXX XXXX had no way of helping me since I am no longer a customer. The Wireless company has advised me to go through Bank connected to card, Which is Cash App/XXXX XXXX XXXXXXXX XXXX XXXX  . I have been around the sun and back about this dispute, my funds are suppose to be secured through the above banks because I have a their debit card. As of XX/XX/2023, I have put in another dispute, and if Cash App actually researchers the transaction they would probably find out what I have within these past 3weeks.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I spoke with representative XXXX at XXXX XXXX XXXX. She guaranteed me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX marked as late on my report. I paid each of those months and tried to speak with credit XXXX XXXX XXXX and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 3payments should not be reported on my credit report as late. XXXX XXXX XXXX has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

NOTE : CFBP did accidentally close CFBP complaint # XXXX citing it as a duplicate of CFBP complaint # XXXX and/or CFBP complaint # XXXX. When in-fact CFBP complaint # XXXX is a unique and NEW complaint regarding XXXX XXXX XXXX XXXX I am now opening this CFBP complaint ONLY because CFBP did wrongly close CFBP complaint # XXXX. DO NOT CLOSE THIS COMPLAINT FOR BEING A DUPLICATE, AS YOU WOULD THEN BE REMOVING MY POSSIBLE REMEDY FOR THIS NEW AND UNIQUE CFBP COMPLAINT. 

Approximately 2 weeks ago I contacted XXXX XXXX XXXX XXXX that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has yet to update my credit reports by removing/deleting the trade-line on XXXX, XXXX, and TransUnion. Additionally, I did notify XXXX XXXX XXXX XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.