davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (IL)

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section 605b : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (KY)

I bought the car in 2020 and XXXX months after I got the car the the cars engine went out just out of the blue. Took to the dealership and they took to the XXXX dealership and come to find out the car had a recall on the engine. It took them a month to figure that out. So they finally decided they was gon na fix my car for free. Stating they was putting a new engine in. It took them XXXX  months and I kept paying my payments on time like I was told. So I finally get my car back and it seemed fine just like before. I always keep my oil changed. So i drove my car out of town and on the way back the car did the same thing as before. It jacked and them it wouldn't pick up speed and started smoking just like before. I had to have the car brought back by towel truck {$1000.00} because I was XXXX hours out from KY. Call the dealership again take it back. They kept it again for another month still hadn't called to say anything. So I kept calling they still hadn't looked at it yet. Prestige financial kept calling and I told them what was going on but they could care less. They kept asking where the car was and I told them. So I called the shop again and they said your financial company came and got the car without them even fixing the car. So I called them and they told me that couldn't wait because I wasn't making the payment so they was gon na sale it at their on personal auction and I was gon na be left to pay the balance. The car balance was still like XXXX. The loan was some upside down loan that I didn't kno anything about because if I did I wouldn't of ever signed up for that. They didn't explain anything about me paying for 1 years of Interest and nothing towards the loan itself. When u look them up they are doing alot people who have had bad credit or filed bankruptcy in the past like I had. I spoke with my lawyer and she told me what I could do but it's not right that my credit is gon na be missed up again because of them not fixing the car like they said the first time. They never replaced the engine because it would of never went out again a year later.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

You XXXX XXXX  have furnished inaccurate information to a Consumer reporting Agency/ChexSystems The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood.

15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION PROHIBTION Reporting information with actual knowledge of errors 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.

DUTY : A moral or legal obligation ; a responsibility.

ACCURATE : Correct in all details, exact. 

PROHIBITION : A law or regulation forbidding something As Defined by the IRS. 

According to this law on XX/XX/2019 - XX/XX/2019 you furnished inaccurate information to a third party who had no part of this credit transaction ( 15 USC 1605 ).

Without permissible purpose.

In addition to this violation you have also violated my privacy right of consumer law ( 15 USC 6801,6802, and 6803 ).

15 U.S.C 1681s-2 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- The persons been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and The information is, in fact inaccurate. 

I XXXX XXXX opened up a business account with XXXX XXXX. You, XXXX XXXX, chose to open up a report with Chexsystems Report on an individual associated with the account, such as the LLCs authorized signer or the sole proprietor. Because the report is ordered on me the individual and the report meets the definition of a consumer report under the FCRA, the FCRA would apply. 

In conclusion I have shown that you have been put on notice and that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 U.S.C 1681s-2 of your responsibility as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous, inaccurate account from my consumer report.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

This is a complaint about USAA. I have a checking, savings, and car insurance account with them. On XX/XX/2018, I had Auto-Pay set up from my Insurance account to my checking account. I didn't realize that if i pay it a few days before it would still auto pull my insurance payment. So, I made two payments for my insurance. One payment for XXXX XXXX the payment i made manually XXXX and the auto-pulled payment of {$230.00}. I called on the XX/XX/2018, and requested a refund of the payment that I made manually of {$230.00}. 

On XX/XX/2018 I recieved an " USAA INTERNAL CREDIT '' of {$230.00}. I assumed that this was the refund I requested and that everything was resolved. On XX/XX/2018 and line item was applied to my account " RETURNED DEPOSIT ITEM '' of - {$230.00}. After 4 1/2 hours on hold, being hung up on and transferred 10 separate times. I was informed that my requested return payment of {$230.00} dollars was never issued. And the the {$230.00} dollars that I recieved as an internal credit from USAA was actually another members money that was applied to my account, and I was told that USAA reserves the right to take it back. 

So at this point, my account is in the negative, I was given no warning that I was getting money pulled for my account. I do not have money for gas, or for food for my family. And now I owe USAA more money, all because USAA insurance failed to issue a refund and the banking department gave me someone else 's money for 20 days. That I thought was mine, and budgetted that money appropriately. I am a XXXX XXXX  to an XXXX XXXX XXXX XXXX, and there is nothing I can do but continue to accrue overdraft fees for an error, and I do not have enough gas money to get to work now, so that I can lose more money to USAA.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

About XXXX  months ago i believe it was XX/XX/ I deposited a check for the amount of {$2700.00} on the outside atm, the check was under my moms name but we unfortunately both forgot to sign the back which caused my account to be restricted after calling the bank to figure out what had happened they informed me that due to the check not being signed the account had to be restricted while they figured something out, after 10 days of not having access to my account they closed it, I got a check of XXXX mailed which I had on my savings but not the {$2700.00} I physically went in person to see how to get that money back they told me the only way to get it back was having the maker, the person whos name is on the check and owner of account which was me there we physically all went XXXX  times in separate occasions, I went in multi times myself I even went to the main branch where they had me go just to tell me I cant get the check back because my moms number isnt verified we dont understand why if she has an account t with her phone carrier and its under her name but thats aside the point Im now finding out that because her phone cant be verify we cant get OUR money back. This has been a big inconvenience they want to make it seem like we did fraud for forgetting to sign the back but right now chase is doing fraud for trying to keep something that doesnt belong to them. Chase ignores us we have spoken to about XXXX different employees including the executives and until now we are still being ignored and they are still keeping something that doesnt belong to them. I have called multiple times the number I was provided with and every time I ask for the lady Im charge of my case she is never there and always busy I leave messages to have her call me back she has not once called me back but through other employees we are being told she has called in various occasions which is a lie she has not even tried to reach out to me and always has other employees tell me shes away from her desk. When does this lady actually work because it seems like she doesnt.
Consumer complaint received 2018-10-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED STUDENT LOAN SOLUTIONS (FL)

Re : US Dept OF ED/XXXX/XXXX Dear US DEPT OF ED/XXXX/XXXX, I have never received any written correspondence from this company. US Dept OF Ed/XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX   which results from crime ( s ) that have taken place. This is invalid. I didn't received any services, goods, or loans from the original creditor. However, I am still held responsible for this debt. That is a violation of THE FAIR DEBT COLLECTIONS ACT by adding a collection ( s ) to my credit reports without my knowledge. It is also a violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit explicitly stating that I am a victim of a identity theft. Still you fail to comply with laws you are legally binded to adhere to. This inaccurate information is still being reported on the credit reports. It would greatly appreciated if you deleted these accounts. 

Thank you.
Consumer complaint received 2018-10-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

My daughter ( XXXX XXXX XXXX, XXXX XXXX ) was an XXXX Veteran. My daughter passed away after she came back from XXXX. My daughter used her VA Benefit to obtain a house my our family. My daughter had filed a bankruptcy before she passed away. After my daughter passed, the bankruptcy negative amount went back onto the Mortgage Loan ( VA ). The Bank of America Mortgage company is now  doing a foreclosure on the real estate my daughter purchased for me, her mother. I have been paying Bank of America mortgage payments and tried to work with them about the negative bankruptcy balance but they refuse to approve my Loan Modification Application and are going ahead with the FORECLOSURE. The  FORECLOSURE sale date is XX/XX/2018. My daughter XXXX XXXX, passed away approximately a year ago. I have my grandson living with me and we will end up homeless if our home is taken away from us. My daughter paid the Ultimate Sacrifice for her family to have a good home and Bank of America is soulless. Please help me and my family stay together in our home that my daughter ( XXXX XXXX XXXX ) intended us to. Thank you. XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (PA)

I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/2023. Amount is : {$1900.00}. See confirmations. I had the funds in the account but the recipient did not get it. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-04-12
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (FL)

I was in the process of trading this vehicle in, I have been paying on it for a little over one year. I have had all kinds of mechanical failures dealing with this vehicle. I was already {$10000.00} upside down on the loan and had to replace a few parts. I have been in touch with American Credit Acceptance since XX/XX/XXXX and I have received 10-day payoff quotes to have this trade-in properly evaluated. They have been aware since before my bill was due since XX/XX/XXXX, I was current on my car note until the XXXX 's payment, that is only one month in the rears. 

How does this end up on my credit report so quickly and falsely in less than 90 days and without a repossession? This seems like a move to punish the consumer for making a better trade, at the end of the day they are away that I purchased XXXX new vehicles in the month of XXXX and that they will receive the total remaining on the XXXX XX/XX/2014, which is {$18000.00} before too long.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have an account with XXXX XXXX  XXXX XXXX XXXX. The online banking sends emails every month on my updated XXXX XXXX via XXXX. 
In XX/XX/XXXX, I saw my XXXX XXXX went down about XXXX points. So I looked through my credit report and found a credit card that I have no knowledge of. This card is a XXXX XXXX XXXX XXXX XXXX credit card with a limit of {$5500.00} that was opened on XX/XX/XXXX. At this time, it had a balance of {$1000.00} and was making on time payments monthly. On XX/XX/XXXX, I emailed XXXX for assistance on getting information on this credit card but they could not help me. So I contacted XXXX XXXX to get more information on this credit card since it is through their company. I kept getting passed along from different departments. They could not give me any information on the account because my personal info ( name and SSN ) did not match the account. An agent told me to fax and mail a letter attn to Credit Bureau Dispute to show any activity and account information that was listed on my report. I tried to fax but the number was non existent/not working. So I sent a letter. I received a letter back from XXXX XXXX basically stating they could not help me. 
In XX/XX/XXXX, I checked my XXXX XXXX again and saw it went down XXXX points ( XXXX ) because of this same credit card still listed under my credit report. The current balance on this card now exceeds their limit and is at {$7100.00}. 
I called XXXX XXXX again to try to get help and more information, but after I gave them my name and SSN, they do not have my personal info in any of their databases so they could not help me and said I need to go through the credit bureaus. 
So, I called TransUnion and filed a dispute on this credit card. I also spoke to an agent who said that was all I could do until the dispute was resolved. They said to also file disputes with other credit bureaus ( XXXX and XXXX ) and to freeze my credit. 
On TransUnion, I had an AKA name of XXXX XXXX XXXX and a phone number of ( XXXX ) XXXX. On XXXX, thats associated with my SSN, my name was listed as XXXX XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And XXXX was XX/XX/XXXX. 
On XX/XX/XXXX, I got dispute results back from TransUnion, which they decided the investigation results were accurate, which I disagree with. So they advised that I start a report through this CFPB portal.
Consumer complaint received 2020-04-12
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. (CA)

On XX/XX/2020, I sent letters to XXXX, XXXX, and TransUnion For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, TransUnion, or XXXX on these matters.
Consumer complaint received 2023-07-26
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 (DE)

I had fraud that accrued on my XX/XX/XXXX statement. The amount was {$700.00}. I notified Bank of America fraud department when I received my XXXX statement. I informed them about the charge and told them that the merchant was the same merchant that I had fraud from in XXXX. They assured me that this time the problem would be taken care of and it wouldn't happen again. I assumed that an immediate credit would be issued and an investigation would be performed. I have received no credit and have not received any correspondents in writing from Bank of America saying that anything is being done to resolve this matter. I have called no less than six times over the past three months and talked to customer service to try to resolve this issue. Each time I'm given different reasons as to why this hasn't been resolved. I don't believe anyone at Bank of America knows how to resolve this issue. I have never seen a fraud situation where an immediate credit was not issued, followed by a letter in the mail saying that a fraud claim has been opened. None of that has happened and I'm not sure Bank of America is doing anything about this to resolve this issue. The current amount Bank of America owes me including interest is {$790.00}
Consumer complaint received 2023-07-27
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. (OH)

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 2024-10-29
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. (CA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.