davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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 (NV)

As of recently I came to an agreement with the car company I had a loan with which in return my loan was squashed for a fee which ended up closing the account. Ive recently noticed that there are discrepancies from all three bureaus that reported on this account. There are inaccurate dates and balances alongside remarks that can potentially hinder my credit report. I sent letters out on the XXXX of XXXX disputing this account and noticed nothing was processed with all three bureaus. I will like to either have this account removed or to have the remarks updated to reflect positive. Please and thank you!
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

I have a business checking account with Chase Bank. I experience thousands of dollars in overdraft fees each month. On XX/XX/XXXX. 2022 I called Chase Business Banking customer service to inquire about the overdraft fees that are deducted from the account on the first of each month to determine when and how the overdrafts occurred. The customer service representative was not able to give a breakdown of the fees and pertinent information on which transactions may have caused the overdraft and when. Instead, she was only able to inform me that the fees were " aggregated '' monthly because of the type of account that I have. At this time, she also informed me that Chase bank could not reverse or refund the {$1300.00} in overdraft fees. I asked that she please change the options on the account that I no longer want any type of overdraft coverage and that if there are not enough funds to cover a charge be it ACH or Debit card Chase Bank declines such charges on my account. I asked for this because the overdraft charges have been so tremendous that they have caused undue hardship to my small business. The charges are accessed at the first of each month a detrimental time for my business and probably a lot of small businesses that are responsible for rent and payroll. On XX/XX/2022, after having opted out of overdraft coverages and any overdraft protection I again noticed tremendous overdraft fees accessed to my business banking account, this prompted yet another call to Chase Business Banking Customer service, and I was told the {$780.00} in fees occurred prior to my request to opt-out of overdraft coverage, I again asked for a breakdown of when and what transactions caused such coverage and the customer service representative was not able to help me. On XX/XX/2022 I received a notification via email that the account balance was below the minimum, I logged into online banking to discover a debit card transaction in the amount of {$490.00} had gone through and resulted in an overdraft of the account. I immediately called Chase Bank customer service to find out how this could happen ; the customer service representative informed me that I should probably just get a new debit card. This is a clear violation of my rights and the laws that govern banking institutions ; I asked the customer service representative to confirm that I would be charged an overdraft fee for this unlawful transaction, and they confirmed that I would indeed be charged a fee. I did not give consent to Chase Bank to pay any debit card transactions on my behalf when the funds were unavailable to cover such charges, in fact, I expressly asked Chase Bank not to pay any charges if the funds were not available to fully cover those charges. I am asking the CFPB to do a full audit on my account and to help me to recoup all unlawful excessive overdraft fees paid to Chase Bank.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/year> I reached out to Bank of America estate department following my fathers death. My father had me listed under my married name ( XXXX XXXX XXXX as a POD on his CD and checking/savings. 
I immediately provided them with all requested documents ( death certificate, marriage certificate, beneficiary designation letter ). 
I requested expedited service of my fathers accounts ( close them and mail a check to me ) due to financial hardship related to my fathers estate. 
They have been telling me for 7 days that this was approved, then that it needed another level of approval, then that approval was pending, should be done, is done and is now back to pending. 
I have literally begged for help and can not get transferred to anyone that is not a front line customer service worker. 
I have been told XXXX ( XXXX ) times that someone will call me within 24 hours and that has yet to happen. 
They are holding close to a quarter of a XXXX dollars ( XXXX in saving and XXXX in CD ) of my fathers money and making me call and beg for the money. 
It is cruel and humiliating on top of being a constant reminder that my father is dead. 
Their failure to give me the money they owe me has caused my fathers insurance on his house to lapse, we are accruing interest on what we owe for his funeral and to top it off his dog needs major medical intervention that I can not find on my own.
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX during the height of the pandemic, my wife and I separated. At that time she took her income and I was left taking on all the debt. She later left and I was stuck struggling. On top of that because of the covid situation I did have a reduction of income. I struggled, and thought my only option was to enter a forbearance with my mortgage company to get some sort of relief. Fast forward to XXXX of XXXX I was doing better and I elected to resume payments. I entered a loan modification process. During the process I discovered there were documents my wife, and soon after exwife had to sign. I had no contact with her nor did I know here whereabouts. I still don't know. The divorce is final and I can't proceed with the loan modification because the mortgage company refuses to accept my application because I can't get the quitclaim deed signed by my exwife ; even though my divorce decree explicitly gives me ownership of the home. I'm stuck. The crazy thing is I'm allowed to sell the home regardless of my exwife being on the deed but I can't refinance. It's so ridiculous to me. I get these " reach out if you need help '' and they thank me for my military service while screwing me out of my home. I continue to file for a loan modification to buy me sometime so i can find a solution but I'm running out of options. I don't know what to do and facing foreclosure. I can't believe this is being allowed to happen ; and apparently I '' m not the only one this is happening to. The pandemic has caused a lot of pain included tension in marriages that has led to divorces. Someone needs to be made aware of this because they are screwing people like me, who wants nothing more than to resolve this matter and keep my home.
Consumer complaint received 2022-08-09
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: TD BANK US HOLDING COMPANY (FL)

A charge for {$9.00} is being put on my TD BANK Visa card since XX/XX/2021. XXXX  is the company. I have tried to communicate with this company, this can only be do by email. I have tried to solve my problem this way to no avail. I have been given many so called support ticket numbers, but the company said they cant find a account for me. I have discussed this with my local TD BANK branch. They have changed my credit card 3 times, charges continue.
Consumer complaint received 2022-08-09
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)

I filed an FTC report # XXXX and a dispute with Experian on XX/XX/2022, for the fraudulent account XXXX XXXX  XXXX due to fraud and provided a police report # XXXX. Experian deleted the account in XXXX of XXXX. They then added the XXXX XXXX XXXX account back on my consumer report recently when I checked the account XX/XX/2022. I then called the fraudulent department on XX/XX/2022 to get the account deleted again and explained to them that the account is fraudulent and I need it deleted. Experian said they could not dispute or delete the account going forward and it will remain on my consumer report.
Consumer complaint received 2022-08-10
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX  XXXX XXXX Trans Union is reporting the account type as open, while XXXX is reporting it as a collection account. Which one is it? Is it open, a collection account, is it charged off or is it not? Why are there so many incomplete fields? Did XXXX XXXX  not supply that information to you? 
Why is the date last active XX/XX/XXXX with Trans Union but XX/XX/XXXX with XXXX? 
Which one is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2022-08-09
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-10
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. (CA)

AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( XXXX yrs XXXX mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit scoXXXX has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.
Consumer complaint received 2022-08-10
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX NC XXXXXXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-08-10
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACOUNTS, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU
Consumer complaint received 2022-08-10
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. (MD)

I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2022-08-09
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. (NJ)

I filed an FTC report # XXXX and a dispute with XXXX on XX/XX/2022, for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. XXXX deleted the address in XXXX of 2022. They then added the address back on my consumer report recently when I checked the account XX/XX/2022. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with Transunion on XX/XX/2022, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX due to fraud and provided a police report # XXXX. Transunion never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX  due to fraud on XX/XX/2022 but no response yet.
Consumer complaint received 2022-08-10
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)

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX XXXX REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX EXPERIAN. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX EXPERIAN AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUSTEE.
Consumer complaint received 2022-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dated XX/XX/XXXX. XXXX XXXX XXXX - XXXX, XXXX, RE : XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was scammed on XXXX and sent {$200.00} through XXXX on XXXX XXXX XXXX at approximately XXXX XXXX. Person immediately stopped responding after I asked for the money back. I reported this issue with my bank by disputing the charges. I have read that Citibank will more than likely deny my request and the next step is to file a complaint with the CFPB.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Apparently the " Risk Department '' of Bank of America has placed me and my XXXX XXXX business on some type of " blacklist '' back in 2014 ( more than 8 years ago ) prohibiting and preventing me from opening a small business checking or savings account there. 

Not only that, but according to the woman servicing us and trying to open our bank account ( XXXX XXXX XXXX and her XXXX Florida on screen cohort ) they would not even tell us what the problem is/was. 

This is wholesale illegal, unethical, immoral, and a complete and total denial of our ability to conduct and transact business and is incredibly humiliating and scary as well ( they did this in front of my wife when we were at the bank together ). 

Please remove this illegal and unconstitutional " blacklist '' from me and my XXXX XXXX  tax ID and social security number, certainly 8 years after it was apparently " entered, '' and find out who exactly the XXXX XXXX were who did this, and punish them legally and equitably, most severely.
Consumer complaint received 2022-08-09
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. (AL)

I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights 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 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.