davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNTRUST BANKS, INC. (NC)

I have funds in my Suntrust account that will allow me to pay off my loan with their lending company, LightStream. I went on Suntrust 's account to transfer the money, but the site would not allow me to do that. I went onto LightStream 's website, and it would not allow me to make a same day payoff. The earliest I could payoff my loan was Tuesday XX/XX/23. Not wanting to be charged additional money for this, I called. They, too, said I could only make a payoff for Tuesday XX/XX/23. I advised I did not want to pay the additional interest, and they told me unfortunately that is their policy and I will pay around {$8.00} extra in interest because of this. I spoke with a supervisor, who also said I would not be able to pay my account today. I had to schedule something for Tuesday XX/XX/23. I called a local Suntrust branch to ask if I could go to a branch to payoff my account in person, but I am not able to do that, either. I believe this is an unfair and deceptive practice. Although this amount may seem trivial, when multiplied over their customer base it becomes quite the scheme. I believe that if I want to make a payment for today 's date, it should not be refused.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MD)

XX/XX/XXXX a fraudulent account was opened under my name with XXXX XXXX XXXX. This went without my knowledge until a collection agency ( XXXX XXXX ) posted an account associated with XXXX XXXX XXXX for over {$500.00} in XX/XX/XXXX to my XXXX credit report. I then took steps to resolve, dispute, and remove the account from my credit report in XX/XX/XXXX. 

On XX/XX/2024 I received a notification that a Credence Resource Management posted an account associated with XXXX XXXX XXXX for over {$500.00} to my XXXX credit report.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you please check the documents? Some accounts are inaccurately reported, and I am due {$1000.00} for each mistake.
Consumer complaint received 2024-05-14
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've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX XXXX XXXX acct number XXXX opened XX/XX/year> was not opened by me, its a result of Identy theft I have never done business or acquired their services. Ive already disputed several times with credit bureaus, submitted ftc reports, police reports, identification, and address verification. I last requested verification to prove I opened the account nothing was provided to this day.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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 US C 1681. 
I have told Experian, XXXX XXXX and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, they stated that everything was complete and accurate but how is that possible is the open date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly.

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 the information is inappropriate.
Consumer complaint received 2024-05-14
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. (FL)

I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please check the documents? Some of the listed accounts contain inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Throughout, I've ensured that payments on this account are always made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-14
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. (FL)

I have reached out on my credit to XXXX and other credit bureaus about this issue XXXX has stated that these accounts just open XXXX XXXX XXXX and the last payment was made XXXX I wasn't even in the state of XXXX and I was homeless no job and I told them that is not me so I did a little more research myself and called the XXXX XXXX XXXX that was located on my credit report and they said that someone used your information and describe my information and they said that they sent these private loans to two different accounts that the person did it online and I'm like well that is not me and they would not provide me any more information so XXXX XXXX went and had to investigate but did not do it thoroughly investigation and only identify my information of date of birth social and not ask the XXXX XXXX when was these accounts open because they told me the account was open XXXX that's what the student loan board told me and XXXX told me the counts was open XX/XX/XXXX so something is not adding up and they said it's XXXX different accounts it's not the XXXX account XXXX told me but the XXXX XXXX told me those XXXX loans are equal to the XXXX account it is not me
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC. (MD)

On XX/XX/year>, my vehicle was in a no fault accident -- the car went off the road in a snow storm. It was deemed a total loss on or about XX/XX/year>. On XX/XX/year>, Chrysler Capital requested a copy of the paper title of the electronic title from the State of Maryland. To date, that title has not been produced. Chrysler Capital will not issue a Letter of Guarantee to the insurer until it receives a paper title. As of today, Chrysler Capital had no update from its third-party vendor ( XXXX ) as to the status of the title or when it would be issued. In the interim, we are still charged, and have paid out of pocket {$280.00} per month as a lease payment, so that an adverse entry is not made on my credit report. Chrysler has assured us that those funds will be repaid once the paper title is received and the letter of guarantee issues, but would not provide any estimate of when that would happen or how long we would have to continue to make lease payments on the vehicle. Nor would Chrysler provide any information about steps we could take to address the situation with the State of Maryland. At the same time, because the vehicle was a total loss, I have to finance another vehicle. I am essentially financing two vehicles instead of one as the result of a no fault accident. Customers who enter into lease agreements with Chrysler Capital should be aware that the company will not aggressively take steps to close out the lease in the event of collision or accident, and consider this fact when doing business with them as a vehicle lessor.
Consumer complaint received 2024-06-04
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. (TN)

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 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX XXXXThe company has the following address on file with the following reporting agencies : The Equifax address for XXXX is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding a recent unauthorized hard inquiry listed on my credit report. The inquiry was made by XXXX XXXX XXXX on XX/XX/year>, without my consent or knowledge. 

As a responsible consumer, I recently opened a personal bank account with XXXX XXXX XXXXXXXX. However, I was not informed, nor did I authorize XXXX XXXX XXXX to conduct a hard inquiry on my credit report. I understand that a hard inquiry can have a negative impact on my credit score, and I take great care to ensure that my credit profile remains accurate and free from unauthorized inquiries. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiry for your reference. 

I request that the unauthorized hard inquiry made by XXXX XXXX XXXXXXXX be promptly removed from my credit report. This inquiry is unjustified and has the potential to harm my creditworthiness, which I have worked diligently to maintain. 

Furthermore, I urge Experian to thoroughly investigate this matter and take appropriate action to rectify the unauthorized inquiry. I expect a timely response regarding the resolution of this issue. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist me in resolving this dispute and ensuring the accuracy of my credit report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am unable to sign in to the Experian app. I get the following issue : " Experian is committed to protecting your personal information. Unfortunately, we have not been able to properly identify you from the information provided. Please note that your order has been canceled. If you continue to have issues, please contact Customer Care at XXXX. '' Contacting the given phone number for login issues redirects back to the website, which does not fix the problem. I am also unable to access my credit report through XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2019-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (WA)

An alleged debt collector sent a text stating : A delivery of documents has been scheduled for XX/XX/2019 during normal business hours ( XXXX-XXXX  ) for XXXX XXXX. To Re-route or reschedule the delivery please call XXXX and provide reference # XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. You are communicating with a debt collector. 

They do not identify the name of the company. The ph # that texted me is XXXX. When I call the toll free number they state they are JPM but won't provide other information. They say their address is XXXX XXXX XXXX XXXX XXXX FL XXXX. Well that address is a high rise office building and they refused to give me suite number.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (TX)

I would like to dispute off the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Over the past 2 weeks I made a total of 4 disputes regarding 1 XXXX company selling fake goods and 3 erroneous charges from XXXXXXXX XXXX Wells Fargo is claiming that I made 7 disputes. I did not dispute 3 items on XXXX ... I did not dispute a charge for {$84.00}, a charge for {$410.00}, and a charge for {$160.00} I have asked the company why these disputes appear on my account and I have asked them to remove them and they did not..
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a complaint with Bank of America XXXX XXXX- and the banks investigation yielded information that was completely one-sided and didnt even address the underlying issue that was being addressed. 

XXXX charged me for an additional shipment charge - which Bank of America received records that substantiated that the shipment occurred - however, the charge wasnt refuting the accuracy of the shipment- the charge was refuting that the charge should have been paid ( and billed ) to another party ( NOT my card ). 

However, Bank of America NEVER contacted me to validate their lopsided investigation - instead they sent a retaliation letter stating that my temporary funds of {$200.00} are being reversed.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OK)

On XX/XX/2023 I contacted American Express via the chat to ask about a retention offer with my American Express XXXX XXXX XXXX. I was told that I would receive XXXX XXXX XXXX points after I spend {$3000.00} with 90 days. I spend the amount within the time line. I was told on multiple times that I would receive the points as they could see that I had made the spend requirement. After 3 months I called again to which the supervisor told me no such offer had been sent to me for acceptance. I explained that I had the chat history to show who and when this was completed. They opened a case and then today I was told that the case was closed as I had not been offered such a case. I have included the chat pics that was from that day of XX/XX/2023 where in fact the person offered and I accepted the XXXX points with the required spend. It also shows where the offer has been " added '' to my account.
Consumer complaint received 2024-05-12
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DC)

First, Columbia debt recovery has a {$60.00} collection on my account for an apartment that is charging my wife for cleaning, even after she provided proof that carpet cleaners were hired. To make matters worse, it is showing up as a collection account on my credit bureau report twice. I have disputed it and it remains.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX. I feel for a job scam. Someone was very nice and understanding to me and sent me a form and I filled it out. They stole my bank account from that information. The bank did not notify me, the app XXXX told me my card had been reported stole 24 hours ago. I am at eviction risk because of it I couldnt get into my account because it says a new card had been issued I do not have the information the branch is not open the phone lines are not opened. Then to top it all off I find there are employees watching XXXX and by the time they reply I miss the message and they are offline tomorrow. What the XXXX.