davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After being transferred to four different departments, hung up on twice on two different days, including being hung up on by the department that was supposed to handle the concern. I am nowhere near getting our money returned to our personal account as it was an unauthorized withdrawal of funds from a personal account to pay for a business credit card account payment. The statement date indicated on the statement, including the past due amount, was not due until XX/XX/XXXX the amount was withdrawn on XX/XX/XXXX. 

In the department that I was told to contact ( Collections XXXX, XXXX XXXX, was the Bank of America supervisor I spoke with ) to get an offset reversal. She denied the reversal and indicated that they were authorized to withdraw those funds because they included it in the terms of our credit card agreement. I asked them to explain the withdrawal and provide any relevant terms from the agreement that allowed them to do this. She stated that they do not provide written responses and that the information was on the website. I told her that she could not hold us to an agreement that we do not know of, and have not signed in agreement with. Therefore, I asked for written confirmation from the bank outlining the reasons for the withdrawal and citing the specific clauses in our business credit card agreement. She declined. I requested a refund because the withdrawal was unauthorized. She declined. The credit card statement indicated that the amount ( including the past amount due ) was due on XX/XX/XXXX. However, the amount was withdrawn from our account on XX/XX/XXXX without our knowledge or authorization. I also asked for the funds to be returned while they review the situation because they did not provide notification of this withdrawal, and/or indicate the clause within the agreement that allowed them to do this. She declined. When I asked her to transfer me to her supervisor, she remained silent on the phone for about five minutes and then hung up the phone.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (TX)

XXXX of XXXX Self Inc. charged my account for the annual fee. I am a United States XXXX and I was XXXX during this time. I did not have access to my phone or account. I was only 30 days overdue. They did not forgive the charge despite bringing the account current or that I was XXXX. I should be protected under SCRA for this. I am also trying to buy a house for my wife and newborn child. But because of this late charge it tanked my credit ( XXXX ). When I contacted Self Inc. they did not help or makes any accommodations.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MID FLORIDA FINANCING LLC (FL)

I pulled my credit report hoping to purchase an house, but I noticed a lot of unauthorized accounts that was open but are now closed due to delinquency of none payments. I noticed these accounts around then end of XXXX. Seeing these accounts makes me remember I did receive a couple of phone calls in regards to a few of these accounts but I told the creditors it wasnt me, asked for documentation in regards to these accounts, I never heard anything back or from the creditors I assumed the issue was solved but clearly not. Its several accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Ive tried reaching out to creditors explaining these accounts were open fraudulent. Theyve also put multiple hard i inquiries on my account starting back from 2022
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

i was in XXXX XXXX jail located in XXXX fl from XX/XX/XXXX to XXXX XXXX XXXX i was sentenced to XXXX  months at the department XXXX XXXX ( XXXX   ) with XXXX  days credit i got out of prison on XX/XX/XXXX i had XXXX in my account with chase bank my cars was towed with all my belongings, personal information ( id bank card bank info birth certificate ssi card clothes tvs business info ect ) further more my account is XXXX there has been all these fraudulent transactions, XXXX  transfers wire transfers to XXXX XXXX  accounts someone on even went into the bank and with XXXX money from my account posing as me while i was in prison and as of now i am homeless no money and i have been waiting for chase bank to investigate and give me my funds back but its taking to long i made XXXX claims with them and they gave me a temporary credit posted to the account but the account has been closed due being in the negative i need some help i don't have a legible phone to be contacted on the best way to contact me is email thanks have a bless day
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (CA)

XX/XX/24 VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File number : XXXX Dear ARC Management Group , LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC (MO)

I've been trying to get all the credit bureaus to remove the child support claim from my records my case with them was closed on XX/XX/year> I DO NOT OWE ANYONE XXXX and I have proof of my case being closed not to mention since child support is unconstitutional and it violates my consumer and constitutional rights I feel like my identity has been fraudulently used to make this claim on my credit report and I also saw XXXX hard inquiries that I NEVER APPROVED I DON'T EVEN KNOW WHERE THEY CAME FROM!!! AND YOU WILL SEE AT THE TOP OF THE DOCUMENT I SENT MY CHILD SUPPORT CASE IS COMPLETELY CLOSED SO THIS SHOULD'VE BEEN REMOVED LAST YEAR WHEN I CALLED THEM AND ASKED THEM TO REMOVE IT
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I had found out after losing my car to repo, for the 4th time ; I needed to see my Westlake financial payment statements since the day the car was financed to me. 
I now see after financing me the vehicle they had a due date that same month only 10 days ; to pay my first months auto loan. 
I was under the impression that I wouldn't have to pay until the following month. Especially after just put XXXX $ down towards the remaining balance financed to me. 
Later find out that it just adds to the cost, I'll be paying in interest. Misrepresented terms by 1 number. My paper copy ; auto finance contract doesn't match Westlake financial copy of the terms sent from the car dealer ship. 
Bill due dates don't match up.

5 years and still no title just 4 repos. 
XXXX $ in interest they got from me and my XXXX $ down payment to defer total balance due ; just to find out too late, that they been negligent from the start. I felt livid and used. 
Paid for GAP as well to protect my investment! 
Also I was swindled into signing the arbitration class then later stated that's in case, so neither party goes to court so pretty much covers there XXXX for there fraudulent heinous act. 
Best part is after 4th repo now, I drove to car lot were I financed the vehicle, to only find out ; closed for Business. 
I'm ashamed and embarrassed and hungry to know what went wrong and how to stop ; a bait and switch dealer of there, on spot delivery and there selfishness for there companies commission in top sales, regardless of how it will hurt there credit and family, all for there personal gain! 
Please help me with a little piece of mind. 
Thank you respectfully for taking time out of your day to bringing this issue a front, to hopefully learn and to not let this happen to anyone else.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

I called the company on 2 different occasions and they verified that the debt has been paid. They told me that the record has a {$0.00} balance. I told them that the there is a balance on my credit reports and that it is against the law to report paid items on a person 's credit report.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: P&B Capital Group, LLC (AR)

On Thursday, XX/XX/XXXX, I received a text message at XXXX AM from P & B LLC about a debt. I have repeatedly sent back to stop, just like the message said and now they are sending them at all hours of the night.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sprechman & Associates, P.A. (FL)

Attorney XXXX Sprechman obtained a debt form XXXX who i never had a loan with stating the are subpoenaing my landlord and XXXX to obtain a debt that I have no knowledge about nor did they send any proof showing that i owe this debt to anyone At no time did I ever have a loan with said company when i called the office of this lawyer the you g lady on the phone started laughing when i explained what was going on the. left me on hold for 20 minutes then a man got on the phone and hung up on me!
Consumer complaint received 2022-10-28
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. (MO)

This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported:XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally submit a complaint regarding identity theft and fraud that I have experienced, which has significantly impacted my credit report maintained by Experian. This complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 

Over an extended period, I have discovered multiple accounts that do not belong to me and were not authorized or initiated by me. These fraudulent entries have resulted in numerous hard inquiries, collections, and late payments appearing on my FICO credit report causing immense embrassments and the inability to secure credit for housing or transportation. 

I have compiled a detailed list of the fraudulent accounts in question and have attached it for your review, along with an Affidavit of Dispute and an Identity Theft Report. The accounts, collections, and inquiries that I do not recognize are directly attributable to identity theft, specifically related to the XXXX XXXX XXXX and other historically data breaches. 

Moreover, I have included a copy of my FTC Identity Theft Criminal Complaint XXXX XXXX XXXX  ) from the U.S. Federal Trade Commission XXXX which further substantiates my claims regarding the fraudulent activity on my credit report. 

I kindly request that you take prompt action to investigate and remove the fraudulent information from my credit report within the mandated four business days upon receipt of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

**Attachments : ** 1. List of fraudulent accounts 2. Affidavit of Dispute 3. FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America makes it unusually difficult for Business Credit Card Customers to set up the Minimum Due payments to be withdrawn from clients OTHER bank. 
XXXX Bank of America, ( on Business Accounts ONLY ) makes it difficult for clients to set up AUTO pay for a minimum balance due, and Instead only allows clients to set up Pre-set amount of payment. ( and Not minimum payment due ). I believe that BOA makes it difficult in order to generate millions in Late Charges from Business Clients. 
My Example : When I received my business credit card, I went on the website to set up auto withdraw for a minimum amount due, and for Paperless statements. my minimum payment due was $ XXXX. After about a year of auto payments, I went online to check my balances, and learned that I was charged XXXX XXXX monthly late fees for 4 months because the minimum payments increased ( due to the rate increase ). When I called BOA, to explain my situation, and to explain to them that I set up min payments to be withdrawn, they stated that it was not the case, and that I was supposed to go through extra steps in order to do that .... 
I believe BOA is making it difficult for clients in order to generate extra revenue.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I called XXXX and XXXX XXXX sent please report and I sent information that they asked for they have done nothing. I asked them to remove all the hard inquiries from both great reports and they have yet to do anything. They said theyre not. Its not hurting your Credit XXXX  XXXX And I asked him to remove old Close account and they said its not hurting your credit report and theyre still there after XXXX or XXXX years. These accounts are old and they have been closed for years and theyre still there.