davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (IL)

The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, Experian and XXXX accounts.
Consumer complaint received 2024-04-23
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. (CT)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have neverDateXX/XX/XXXX 1.CompanyXX/XX/XXXX XX/XX/XXXXXXXX AddressXX/XX/XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXXXX/XX/XXXX 2.CompanyXX/XX/XXXXXXXX AddressXX/XX/XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX 3.CompanyXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX 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 consumer reporting a agency if the person knows or has reasonable cause to believe that the any of information is inaccurate.
Consumer complaint received 2024-06-06
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. (HI)

Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error not only undermines my financial reputation but also hampers my ability to access credit and secure favorable financial terms. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the significant inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect late open account on my credit report. It has negatively impacted my ability to obtain credit and pursue other financial opportunities essential for my financial stability. The following accounts should be corrected as soon as possible : 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
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (AZ)

Yamaha finance can not seem to apply my payment correctly. My next payment due was XXXX, XXXX, XXXX. I made a payment on XX/XX/XXXX which would make my next available payment XXXX, XXXX. XXXX. My statement now shows my next payment due date is XXXX, XXXX. XXXX. I've filed a complaint about this twice already with no resolution.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (PA)

I would like to close the Robinhood brokerage account. It was declined by the company due to the remaining one share in the account. This one share is XXXX^, which can not be trade using Robinhood system. This share was giving by Robinhood as a gift few years ago from referral program, and I did not authorize the possess the position. 

This is the full reply from the Robinhood agent : Hi XXXX, Thank you for reaching out today! I hope this email finds you well. This is XXXX here again with Robinhood Support. 

I appreciate you taking the time to write in about this. Thank you for your patience and understanding concerning this matter. 

As we discussed, it looks like there is just one position remaining in your account that is preventing you from closing it. The position is XXXX. First, this position actually isn't a stock and can not be traded. It is what is known as a Contingent Value Right. The term contingent value right ( CVR ) refers to a right often granted to shareholders of a company facing restructuring or a buyout. These rights ensure that the shareholders get certain benefits if a specific event occurs, usually within a specified time frame.?? Basically, this position is a placeholder in case the issuing company can make a payout to their shareholders in the future. I know this is not ideal but, because of this we can not remove them from accounts. Please note, this was not Robinhood 's decision. 

We would have to wait for the issuing company to either deem the CVR worthless or issue a payout to their shareholders. Unfortunately, we can not get rid of these as the position has not been declared worthless by the SEC. I can confirm that this is the only position remaining in your account at this time. 
Please reply if you have any questions or concerns : Were here to help! 

Sincerely, XXXX Case ID : XXXX
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had a scam transaction with someone on XXXX for the purchase of a golf product on XXXX. After they sent me screenshots of supposedly sending the product via XXXX, I sent {$420.00} via my XXXX account. I waited several days for the product which obviously never came. Attempts to contact the criminal and get my money back failed. I contacted my bank Wells Fargo and they ultimately said, there was nothing they could do to help credit me the money. So in the end, I got ripped off {$420.00} for using their stupid system instead of a credit card or some other method that would have my back.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I had a chime account that I used regularly after I deposited my money they closed my account with more than XXXX XXXX dollars in with no reasoning as to why. Now they are refusing to issue a refund for the money left in the account without reason.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (GA)

XX/XX/2023 amount : {$1600.00} + XXXX fees Actions are taken by self To whom it may concern : After reviewing my cedit reports I noticed that you are alleging that the following accounts are negative without furnushing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can furish the validity of the remark. 

I am not in dispute with the ownership of this account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit. 
Under 15 USC 1692b. ( " Acquisition of location information '' ) It states a debt collector can not state that the consumer owes any debt. ( 15 USC 1692b. " ( 2 ) ) Best Regards WithOut Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (FL)

BMW Financial Services is currently in breach of contract. Please see attached correspondence that was delivered to BMW Financials Legal team on XXXX XXXX XXXX BMW Financial Services and their indenture trustee XXXX XXXX XXXX XXXX are in breach of contract and breach of fiduciary duty to Principal. This was my XXXX  attempt to resolve the matter with BMW Financial Services. On XX/XX/XXXX an offer of performance was tendered, in good faith as full satisfaction of the debt with the intent of extinguishing any alleged debt, duty, obligation, or liability. At this moment in time BMW is continuing to try and collect a debt that has been paid in full. They dishonored my original payment and have dishonored my XXXX payment to them.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

The company lied in their statement my vehicle had engine failure that was never fixed XXXX  XXXX will tell you that now credit acceptance is sitting on my credit stating that I owe them XXXX for a vehicle that they sold with a bad engine I didn't even drive the car for 6 months I'm sitting here with paperwork that they'll settle with me for {$2000.00} that's the amount I put down to get the car off the lot because I requested my money back or to be put in another vehicle with the same contract. At this time I want credit acceptance removed I'm on XXXX I need transportation and I feel like they totally took advantage of my situation. And currently they're the reason that I can't get a vehicle loan. I applied for a loan they told the new car dealership they'll give me a loan if I put {$8000.00} down I want them off my credit.
Consumer complaint received 2023-06-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-05-13
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : Portfolio- {$450.00} Portfolio- {$690.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX XXXXXXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service XXXX XXXX XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX XXXX XXXX suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation (AZ)

The online banking app ALBERT withdrew {$100.00} from my connected bank account without my knowledge. The rep said I initiated the XXXX program. The ALBERT app does not describe this XXXX thing. I requested that my XXXX XXXX  be returned and refunded because I did not consent to this. I was told it was my money and I have to wait 5 days before I can request it back. I explained, that it was unacceptable and then they said on 3 days I can request the refund. 
Which is right? I don't care. I need that money back right this min. 
If I cancel my acct with ALBERT I will never see the refund. HOW DO I KNOW THIS WON'T HAPPEN AGAIN AND AT ANY MOMENT.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (NC)

On two different occasions, I rec 'd 2 XXXX that I did not order. Returned 1st phone on XX/XX/XXXX, XXXX. Returned 2nd phone on XX/XX/2022. 
I was originally contacted by XXXX XXXX claiming to be with XXXX about an upgrade to my current cable service and was supposed to receive 2 new XXXX XXXX Nothing was mentioned about an XXXX at all, not part of a promo or addition to the service. Not mentioned period. 
I called the day I rec 'd and was told to return to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which I did and have furnished XXXX receipts 3 times to debt callers claiming I kept the phones. I even contacted XXXX directly and was told to mail phones to the above location, which I did. I continue to receive harassing calls about these phones, which I don't have and threats to send the debt to the credit bureau. My credit score is XXXX - not the type of score that I earned by stealing/keeping Iphones.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Deletion of Late Payment Discrepancy from Equifax Credit Report Dear Equifax, I am writing to formally demand the immediate deletion of a late payment discrepancy from my Equifax credit report concerning my account with XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my Equifax report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my Equifax report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. I expect your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-06-23
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc. (NY)

That my account is original I know them and it is paid in full and they refuse to delete it from my credit, It's a third company. They don't tell me, they just charge. I've requested that I have a debt directly with them and they deny my rights. They keep putting that negative debt of {$730.00} dollars on me
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc. (FL)

My car was repossessed at XXXX, no action can be taken on my part until XXXX as their offices are closed until that time. This is a blatant misuse of power aimed at forcing a consumer into accruing tow fees, impound fees, and in my case auto body damage caused by the tow service and tow yard. I also have now needed to spend additional money on XXXX  in order to get my car back out.