davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation (MA)

ok this is XXXX XXXX XXXX I writing this complaint on Performant Recovery, inc XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have an airline Bank of America credit card. I set up a special automatic payment on XX/XX/2024 of {$560.00} for XXXX and {$560.00} for XXXX of XXXX. I also made an additional payment on XX/XX/2024 of {$450.00} for XXXX and {$450.00} for XXXX. However, Bank of America credited the {$900.00} to my XXXX. Statement. I received a letter from Bank of America dated XX/XX/2024 stating that my automatic payments would continue until XX/XX/2024. Not true, this is a human error or an error of their Automatic payment system. 
As a result of their cancelation of my automatic payments for XXXX and XXXX the matter was handed over to all three credit Bureau agencies and my XXXX XXXX XXXX  score went from XXXX to XXXX!! 
On XX/XX/2024 I made an appointment with an accounts manager in XXXX XXXX XXXX. He read my letter of XX/XX/2024 and I spoke with a man named XXXX. This man demanded my respect. He wouldn't let me state the problem. I was put on hold numerous times while he tried to figure out what he called the " puzzle ''. I was finally informed by XXXX that I had canceled the automatic payments for XXXX and XXXX!!! 
I told him that was false and that Bank of America had to show me or hear proof of my cancelation of XXXX & XXXX automatic payments. 
He did everything necessary to achieve what he wanted, to falsify my facts and in so many words call me a liar. 
I felt sick by the time I ended my conversation with him ; it was the most frustrating and exhausting experience. 
I was also told that " I was not the right fit for their bank ''. I was appalled that was said to me after having the Airline Credit Card for over 30 years! WITH THAT STATEMENT I WILL PAY OFF THE CREDIT CARD AND NEVER SET FOOT IN BANK OF AMERICA AGAIN. I am requesting that Consumer Financial Protection Agency help me. WHAT I WANT AND NEED IS FOR BANK OF AMERICA REMOVE MY NEGATIVE CREDIT FROM ALL THREE CREDIT BUREAU AND REINSTATE MY PREVIOUS CREDIT SCORES.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the XXXX XXXX XXXXXX/XX/XXXX2023 should be updated to " paid as agreed and never late ''.
Consumer complaint received 2023-12-15
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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. (FL)

I have disputed this account multiple times beginning in XX/XX/XXXX. I have been told that Experian uses the lender ( XXXX XXXX XXXX XXXX ) to get their information. The last few times I have disputed the account ( XXXX and XX/XX/XXXX ) for incorrect information, Experian refuses to delete the account and just updates the Foreclosure date. I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they have not updated any information. The account was foreclosed in XXXX, NOT in XX/XX/XXXX or XX/XX/XXXX. I have contacted Experian as well on XX/XX/XXXX with this information and they have told me that XXXX XXXX is the one that keeps changing the date. However, XXXX XXXX does not have any record of the changes. What Experian is doing is fraud. This account needs to be deleted.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

The crime ( I was tricked to believe that this was not a crime ) started on XX/XX/XXXX when I could not log into my XXXX XXXX stock account, I called the number on the screen : XXXX XXXX ( criminal ) from XXXX XXXX says that someone was getting into my stock account, and therefore XXXX XXXX locked my stock account, and therefore XXXX XXXX also contacted ic3 of FBI about criminals getting into my stock account. Next, on XX/XX/XXXX, XXXX XXXX called me that ic3 of FBI informed him that someone took large amount of money from my XXXX XXXX  account. Next, on XX/XX/XXXX, XXXX XXXX ( criminal ) of XXXX XXXX, and also XXXX XXXX ( criminal ) from Criminal Investigation of Internal Revenue Service ( IRS ) called me to wire transfer {$39000.00} from my XXXX XXXX XXXX  savings account to XXXX XXXX of IRS using his wire transfer recipient, XXXX XXXX XXXX  XXXX XXXX who has bank account with Key Bank in Washington for safekeeping my money with the Federal Trade Commission. Next, XXXX XXXX uploaded the receipt from Federal Trade Commission that XXXX XXXX of IRS received my {$39000.00} that I wire transferred from my XXXX XXXX XXXX  account to his account with Key Bank. On XX/XX/XXXX, and many other times after XX/XX/XXXX, I went to XXXX XXXX XXXX  to explain to XXXX XXXX XXXX  that it was a scam that criminals told me to wire transfer {$39000.00} to their criminal bank account in Key Bank. XXXX XXXX XXXX  informed Key Bank about the scam and told Key Bank to send me back my {$39000.00} from the criminals ' bank account at Key Bank. My case number at XXXX XXXX XXXX  is XXXX. I also called Key Bank about the scam on XX/XX/XXXX. Key Bank informed me that the bank account of XXXX XXXX XXXX  XXXX XXXX at Key Bank IS STILL ACTIVE AND OPEN. Also, I found out from XXXX XXXX  that the owner of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, register her business with the State of Washington on XX/XX/XXXX. HOWEVER, AS OF TODAY, XX/XX/XXXX, I AND XXXX XXXX XXXX  STILL DID NOT HEAR ANYTHING FROM KEY BANK. Key bank is located in XXXX XXXX XXXX, XXXX, WA XXXX.
Consumer complaint received 2023-12-15
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. (LA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX on XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount
Consumer complaint received 2023-12-15
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. (NY)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (FL)

I got a letter from PNC Bank saying I'm not responsible for a balance because of forgery. But now they're reporting three different amounts to three different credit bureaus. I only have one dispute with PNC Bank. Can you help me sort this out and tell me if I can take legal action?
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX Bank of America withdrew from my checking account {$30000.00} with out my consent to authorization to pay a fraudulent loan that I do not owe or owed. The auto loan in question has been disputed with Bank of America before and I have filed police reports and CFPB complaints. I have currently with BOFA two auto loans and two credit cards and a checking account, but never opened an auto loan in XX/XX/XXXX. Bank of America acted grotesquely by reaching into my account and stealing all of my money. I now have no money to pay my rent, auto loans or XXXX that I have scheduled on XX/XX/XXXX. Bank of America has caused me great harm and has put at risk of being homeless and extreme emotional damage.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

Please see attached document. I was seeking an in school deferment waiver for loans taken out from XXXX which had already entered repayment. I submitted the form that was sent with my last complaint and Mohela failed to address the time frame. I am attaching the initial complaint and response.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

trans union has been fined and sued for reporting inaccurate information on credit reports. 
the consumer financial protection bureau and the federal trade commission reached a XXXX XXXX settlement with credit reporting firm. trans union violated the FCRA by failing to remove inaccurate records from consumer reports harming ability of people to obtain credit and housing. XXXX XXXX is reporting inaccurate information on credit report and XXXX is suing them because their card is back by XXXX XXXX. XXXX XXXX is not processing payments on time which is causing late payments on people credit report and affecting XXXX customer because they underwrite the XXXX card this means i am a XXXX XXXX customer and XXXX card holder with late payments and charge off because of XXXX XXXX not processing in a timely matter. i am disputing this with the sole purpose of immediately removing this XXXX XXXX charge off from my credit report. this is a lawsuit that XXXX is suing XXXX XXXX.
Consumer complaint received 2023-12-14
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)

on XX/XX/XXXX  someone opened a loan with XXXX XXXX and also on XX/XX/XXXX  someone opened a loan with a XXXX XXXX both loans are a result of identity theft please remove
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank suddenly sent me a mail and said they will close my checking accounts and all credit cards with the bank on XX/XX/XXXX. 

I called the bank and was told no reason can be disclosed to me. 

I use chase credit cards for more than 10 years, and checking account for more than half an year, and don't see the reason behind the account closure. 

I am using chase checking account to pay bills, so the closure has a big impact on me. 

I have accounts from other major banks, and never have seen this kind of things in my life. 

please investigate.
Consumer complaint received 2023-12-14
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-06-18
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. (TX)

As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX Dealership  filed Chapter XXXX bankruptcy in XX/XX/year>. Now XXXX XXXX XXXX says they own the debt but have not provided full ownership documentation.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (RI)

Credit Acceptance has violated my consumer law rights under the FCRA. The laws that Credit Acceptance violated are listed below with an explanation.

15 USC 1662- Credit Acceptance required a down payment of {$3000.00} when this law states that no advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.

15 USC 1635 ( a ) - Credit Acceptance FAILED to disclose my right to rescind which is a violation to my consumer rights.

15 USC 6802 ( a ) - Credit Acceptance did not disclose in writing nor in electronic form that an alleged debt will be disclosed with a third party in this case which is XXXX, XXXX, XXXX. 

9-506 : EFFECT OF ERRORS OR OMISSIONS NOT RECEIVED.

9-611 : NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-612 : TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-613 : CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-616 : EXPLANATION OF CALCULATION OF SURPLUS OF DEFICIENCY WAS NOT RECEIVED.

9-619 : TRANSFER OF RECORD OR LEGAL TITLE WAS NOT RECEIVED.
Consumer complaint received 2023-05-21
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. (NY)

In accordance with the fair credit Reporting act these companies ; XXXX XXXX XXXX, XXXX XXXX # XXXX and XXXX # 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 a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. XXXX advance thank you for your assistance.
Consumer complaint received 2023-12-14
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)

this inquiries are reported to my credit report by someone who has my identity and all my personal information. inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX