davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.
Consumer complaint received 2023-04-24
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

This letter is an overview of the fraudulent activity that occured on my XXXX XXXX XXXX Account ending in XXXX. 

XX/XX/XXXX was incarcerated in the Alabama Department XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I released my personal property, ( cellphone & Wallet ) to my daughter ( XXXX XXXX ). 

XX/XX/XXXX, XXXX XXXX XXXX illegally and without authorization stole my wallet and cellphone from my daughter 's house. 

XXXX had been a roommate and I had known her for a couple years. 

The first thing XXXX did was to change my username and passwords on XXXX email, XXXX, XXXX, and XXXX XXXX XXXX. 

She now had control of all my accounts. She had access to my phone & email for verification purposes. 

XX/XX/XXXX Unauthorized XXXX transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX  transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX transfer {$360.00} to XXXX XXXX. 

I contacted XXXX XXXX and file a Fraud Claim. 

I asked XXXX to change my username, password, email, and phone number associated with my account to stop her from taking more. 

XXXX said that my account would be frozen and that I would need to come to a local branch and show ID to gain access. I was incarcerated and assured them I would do that upon my release. 

XX/XX/XXXX Unauthorized XXXX transfer XXXX to XXXX XXXX. 

I was extremely upset with Chase Bank and how they did nothing to protect me. They said someone called into Customer service and activated the account. 

Chase Bank disconnected the XXXX feature on my account and froze the account again. 

I now had to file yet another XXXX claim for XXXX My claims where denied with the findings that the transactions were from the same phone, email, and XXXX Banking XXXX. 

I explained once again, aim incarcerated, I didn't have the option to have my cellphone in jail. It would be impossible. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$100.00} to XXXX XXXX. 

Now I had XXXX fraud claims. XXXX {$2600.00} and XXXX XXXX {$600.00}. 

XXXX told me to refile the claims with PROOF OF INCARCERATION AND RELEASE proving my innocence. I filed that with XXXX on XX/XX/XXXX. 

Both claims were denied.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I established a checking account with U.S. Bank after receiving an invitation from their ads, accompanied by a {$400.00} new account promotion bonus code. Following the provided instructions, I initiated the initial deposit of {$100.00} and arranged for a direct deposit to meet the requirement of a total direct deposit of {$4000.00} within XXXX  days from the account opening date. The direct deposit originated from my workplace, where I was employed at XXXX XXXX XXXX  at that time. 

XX/XX/XXXX {$7800.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$4000.00} Despite having a total direct deposit of {$36000.00} into my account, I did not receive the promised promotion bonus. I contacted the bank several times since XXXX, requesting an investigation into the matter. During each call, I had to clarify that my workplace was XXXX XXXX XXXX, causing my direct deposits to appear as XXXX rather than direct deposits in their system. The representative assured me that a case was created, but when I inquired about a case number, I was informed that only follow-up calls could track the status with no specific tracking number provided. 

The U.S. Bank neglected to address their issue, necessitating multiple follow-ups on my part. They failed to initiate an investigation to rectify the situation. Ive retained the account solely due to the promotional bonus because of the pending status, which also incurs a monthly maintenance fee. Despite my requests, the bank refused to correct the fee discrepancy. It appears the bank has engaged in misleading advertising, and I strongly suspect others may encounter similar issues.
Consumer complaint received 2024-05-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX, NJ XXXX Subject : Formal Complaint Against Credit Acceptance Corp XXXX for Violations of Consumer Protection Laws To Whom It May Concern, I am writing to file a formal complaint against Credit Acceptance Corp XXXX for egregious violations of consumer protection laws, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite placing a collection account on my consumer report, Credit Acceptance Corp XXXX has failed to provide validation information regarding the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This omission violates my rights and undermines the accuracy and legitimacy of the reported debt. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a reasonable opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's failure to provide me with a proper avenue for challenging the accuracy of the debt within the specified timeframe further exacerbates their non-compliance with consumer protection laws. 
Use of False, Misleading, and Deceptive Means : Credit Acceptance Corp XXXX has engaged in false, misleading, and deceptive practices during their collection efforts. These tactics include [ specific examples of false, misleading, or deceptive practices ], which are clear violations of my consumer rights. 
Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has furnished the account to consumer reporting agencies without providing any and all disclosures required by law, contravening both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action further demonstrates their disregard for regulatory compliance and consumer rights. 
In addition to the aforementioned violations, I hereby dispute owing any and all debts to Credit Acceptance Corp XXXX and hereby revoke all rights of communication via calls, emails, or any other means. I demand immediate cessation of all communication attempts from Credit Acceptance Corp XXXX. 

Furthermore, I request the following remedial actions : Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ). 
Provision of the purchase agreement between Credit Acceptance Corp XXXX and the original creditor. 
Evidence of Credit Acceptance Corp 's XXXX licensing and bonding as required by law. 
Cease and desist all collection activities until the aforementioned requests are fulfilled. 
Failure to address these concerns promptly will compel me to pursue legal action to enforce my rights as a consumer. I expect a thorough investigation into this matter and prompt resolution in accordance with consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX ) reported a late/ missed payment to Transunion and XXXX XXXX the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (FL)

ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.
Consumer complaint received 2024-01-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NJ)

I have contacted Bridgecrest on a number of diffrent times to try and fix this account .I contacted Bridgecrest and explained to them in detail the car was totaled and recovered at a tow place in XXXX XXXX I tried to get info on the car they would not give me and I tried to go though the police department still no help.Bridgecrest is reporting on my credit report that the car was repossessed/recovered and that is inaccurate .The car was never recovered and I was never sent XXXX  documents about the car .Bridecrest is XXXX of the worse companies when dealing with customer service.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



am writing to request access to information in your possession for a permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b-2. 
My permissible purpose for requesting this information is as follows : [ These are inaccurate information being placed on my consumer report such as Portfolio Recovery Associates. ] In accordance with 15 USC 1681b-2, I understand that I must certify and provide documentation supporting my permissible purpose. Please find attached the necessary documentation to verify my permissible purpose. 
I request access to the following information : [ I request that these inquiries be removed off my consumer report ] I understand that this information will only be used for the purpose stated above and will not be disclosed or used for any other purpose. I will comply with all applicable laws and regulations regarding the use and handling of this information. 
Please provide the requested information at your earliest convenience. If there are any fees associated with processing this request, please inform me of the cost and preferred payment method. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. 
Sincerely, [ XXXX XXXX ] This letter is a formal request for access to information under a permissible purpose as outlined in the Fair Credit Reporting Act
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

This is the NEVER ENDING STORY ... .told by XXXX XXXX XXXX 

Please note Page 3 of the attached document describes Shellpoint as a DEBT COLLECTOR. They have absolutely no rights, period, to conduct a foreclosure with a homeowner that's lived in the home since XXXX. That's almost XXXX XXXX with not missing one single payment. 

I want CFPB to start filing criminal charges on this organization for operating outside its allowed license and/or certificate that allows it to operate. 

The lender to the loan receives the insurance policy information that I've had on this home since XXXX. Therefore, I know better that a debt collector what is and is not required for my home... emphasis on MY home. 

I'm still looking for the laws that this entity operates in this capacity. It's a land grab and you ain't gettin ' my land or the home.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (WA)

I receive my social security money on the direct express debit card and they sent me a new card and I have tried to activate it but every time I call them to do it they cant verify who I am. Ive called them at least 10 times over 2 days. Ive done everything they say, I sent them copy of my photo Id front and back. I went to social security office. I have all my money on that card and they will not help me. They are very rude and keep giving me the run around. This is what I use to pay all my bills and buy my food and medicine with. I dont know what else to do..
Consumer complaint received 2023-12-11
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

I noticed on my credit file that Affirm was trying to collect Debt for XXXX different accounts that I did not authorize for the amounts of {$260.00} XX/XX/2024 {$290.00} XX/XX/2024 {$270.00} XX/XX/2024 I filed police reports soon as I found out I then filed disputes and mailed in the police reports to XXXX. XXXX emailed saying the company said that the accounts were accurate but neither Affirm nor XXXX is telling me how the investigation was verified. If they truly did an investigation they would know I did not authorize these accounts. My credit score has been dropped XXXX points since Affirm reported this on my credit file. I need this company to correct this fraudulent account
Consumer complaint received 2024-01-15
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. (TX)

I trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NY)

I opened a Checking account with M & T on XX/XX/2024. 
I tried to transfer an amount of {$1000.00} to my M & T checking account on XX/XX/2024. 
On XX/XX/XXXX, my account was locked. I called consumer services and they asked me to go to a branch to solve the issue. 
On XX/XX/XXXX, I went to the branch and the banker tried to solve the issue, and I provided all the documents they wanted, but he could do nothing. 
The amount of {$1000.00} was returned to my original account on XX/XX/2024. 
In the week of XX/XX/XXXX, I called online consumer services but they couldn't solve the issue. 
The same week, I called the banker in a branch to close my account. The banker told me that he would try. The banker tried his best to help me but it just the bank created a lot of issues.
Consumer complaint received 2023-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The company portfolio recovery calls my cell phone multiple times a day. They send letters to my house. I stop answering the cell phone because there was a lady that said she was a lawyer, she was so rude and she called everybody that had my last name and who were married into my family. I was very embarrassed and didnt know what to do. Ive been going through this since 2015.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (FL)

I closed a PayPal prepaid debit card account that still had funds in it but PayPal told me that an account can't be closed if it's still contains funds but when I call PayPal about the funds that were in the account they're telling me it was closed after being told that it can't be closed because it has funds in it. There was only XXXX in the account