davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
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: CORELOGIC INC (FL)

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (DC)

I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my Experian report. I filed a dispute with Experian and the account is still not updated. All other credit bureaus are updated correctly.
Consumer complaint received 2018-08-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. 
I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. 
They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.
Consumer complaint received 2018-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, Bank of America took {$250.00} from my credit card account for something called Credit Balance Refund Debit. 

The {$250.00} was at that specific time was a part of a credit card payment and more bills were coming in so that {$250.00} was basically XXXX  out my credit card balance. 

In the past 6 months and 5 days ( as of this writing ), I have reached out 6x to Bank of America in order to get this resolved but to no avail. 

I have spoken to various customer service representatives to either get the money back by check, into a checking account, or back onto the credit card ( as we use the card daily ). 

I drew a line with customer service on XX/XX/XXXX, when I wanted to speak to a manager whose name is XXXX and after he did not do anything, I spoke to another manager named XXXX, XXXX. 

They allegedly sent me a check for the amount of {$250.00} which I never received. 

Since I never cashed a check that I did not receive in the first place, they allegedly send the money to the state of Florida and callously told me to go to XXXX XXXX XXXX to search for my money. 

Despite my calling them 6x times in the past 6 months to claim my money, they still allegedly sent the money to the state of Florida. 

I contacted https : //www.fltreasurehunt.gov/ ( where the money allegedly went ) and called the number they gave me XXXX XXXX XXXX and they have NO record of any money in my name to be claimed. 

Called back Bank of America to get something called UPID and some sort of proof that the money was sent, and they could not provide me with any proof or confirmation whatsoever that the money was sent to the state of Florida. 

Bank of America just stole my money.
Consumer complaint received 2018-08-23
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. (MI)

On XX/XX/2018. I submitted a dispute for a Public Record Bankruptcy to Transunion removed off my Transunion Credit File. The U.S. Courts have verified to me that that they in fact do not report such information to the Credit Bureaus. Furthermore, the address linked to the Bankruptcy is an address that's not on my Credit Report or is it an address that I lived at either. This Public Record has negative effect on my Credit File when it comes to acquiring Credit or applying for a Mortgage Loan. Per the FCRA & my rights as a Credit consumer, I've asked TransUnion Credit Bureau to send me documented copies that states the U.S. Court reported, verified or documented such information to them to place on my Credit Report. It's been well over 30 days and they have yet to provide such document.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

According to the law, a debt collection agency can not collect interest on debt if that was not part of the original agreement. They are attempting to collect interest on a medical debt that has no original interest applied. They are also trying to collect on a " no show '' fee for an appointment that I DID cancel, as evident by my cell phone statement and the outgoing call log.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX of XXXX I have my XXXX XXXX  card connected to my Bank of America checking account. I paid my church XXXX XXXX XXXX XXXX XXXX  by mistake through my phone from my checking account through their XXXX XXXX when i realized that i made a mistake I contacted my church within 2 minutes called them and they immediately refuned my {$860.00} back to my account. however it was suppose to have been credited to my bank America account within 2 to 3 business days on Tuesday the XXXX I contacted bank of America i spoke with XXXX who stated i that should wait until XXXX the money should be back in my account if not by XXXX XXXX  by Wednesday the XXXX of XXXX. I contacted XXXXXXXX XXXX and due to the money not coming from cXXXX XXXX  it came from my bank of america checking XXXX XXXX sent me the receipt showing that it was refunded that same day and that my bank of america account should have been credited back instantly. I contacted them again every day after that.. I went to the bank on XXXX in XXXX Tx XXXX spoke with the XXXX there and she tried to make me think that i spent the money when i did not spend the money there is another transaction {$1000.00} that was suppose to be credited to my account and it never made to the bank of america account on XX/XX/2023 they told me that it was a ghost transaction as well as the XXXX that it was a ghost transaction.. then they claimed that they found it but i spent it and i PROMISE YOU GUYS i never touched that money i showed them the receipt at the bank in XXXX and they claimed again that they could not find it and that maybe it was spent before they could credit my account not true.. I had XXXX in the bank on the XXXX and its only the XXXX and they are telling me that i spent that money there is no Way
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My employer does not offer direct deposit. Every month for years we are mailed paper checks. Recently the owner of the company I am employed, informed me I can cash my check at Bank of America the day I receive it and there would be no reason to wait until the post dated date. That is dated for document purposes only. The funds are available the minute the check is signed. 
This month, like many previous, I recieved my payroll check on XX/XX/2018, post dated for XX/XX/2018. I went into Bank of America, where the check is issued and drawn off of, but I am not a customer. Bank of America refused to cash the check due to postdated. My employer confirmed there was no notice on accounts to not cash post dated checks and they should cash the check as long as funds are available, which they are. 
After researching it, Wa State adopted the Uniform Code and all RCWs state there is no law stating they can not or should not cash my check. The same bank cashed the same payroll checks to other co workers that bank there with no issues. I simply expect to have the same treatment and want to ensure if it is not illegal to cash a post dated payroll check, then why I am being denied that service?
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments possible.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX 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 company 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 2023-03-03
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MA)

I received a Prepaid American Express Gift Card for {$100.00}. Card # XXXX XXXX XXXX exp XX/XX/XXXX sec code on front XXXX. I didnt use the card. I went online to check the balance to see that it had been used on XX/XX/XXXX at XXXX XXXX for {$100.00}. This was not me. It is an unauthorized fraudulent purchase. I called AMEX on their phone number on the back of the card. Was on hold for 48 minutes to be told that I need to call the place it was used. AMEX has no responsibility. How can AMEX have no responsibility to address fraud? I followed AMEX direction and Called XXXX XXXX at XXXX to be told they couldnt do anything and that I needed to call AMEX the company who issued the gift card. I then called back AMEX. They continued to say they could not help me. This is unacceptable. Banks are required to follow Regulation E for unauthorized transactions and AMEX basically told me they had no responsibility. 

This entire process took me over 3 hours to get nothing resolved as no party will help me. At this point I am out {$100.00}. 

The information on the back of the gift card is the following : Visit AmexGiftCard.com/Balance or call XXXX for balance. Issued by American Express Prepaid Card Management Corporation.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY (MS)

Even though this is under XXXX XXXX XXXX, which is far as I thought had no affiliations with the Wells Fargo secure card but they secured card I had reported in as they were fraudulent activity back in 2014 on the card and thats why I had to close it. I informed Wells Fargo and let them know well in advance. The account on XXXX is still there Even though it says charged off and on XXXX XXXX and XXXX and its completely taken away. I am also part of a class action lawsuit against Wells Fargo for the multitude of fraudulent activity that is happened so far
Consumer complaint received 2023-03-04
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. (OH)

in accordance with the credit reporting act XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions.

15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-02
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. (IL)

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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2023-03-07
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. (GA)

I have previously contacted XXXX XXXX XXXX XXXX XXXXXXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly. 

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Consumer complaint received 2018-07-18
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.
Consumer complaint received 2023-03-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX Disputed inaccurate late payments with Equifax for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 60 days late ) *XXXX  acct XXXX $ XXXX ) XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 60 days late ), XXXX ( 60 days late ) & XXXX ( XXXX late ) *XXXX  acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ). I never received dispute results or how this information was attained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, XXXX, & Equifax I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.
Consumer complaint received 2018-08-21
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. (MO)

I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report