davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/22 Top of the day, I tried to make a payment for services via XXXX  when my card declined. I than contacted Amex @ XXXX and got transferred to a rep named XXXX, she asked me a few verifying questions and stated " your card is unblocked now ''. I stayed on the phone to see if my transaction would go through and it declined, she than stated " Please get the account holder on the phone there are things in the account she can not talk to me about '' ... I advised that I was labeled as account manager on a previous call how's so? She than stated not for everything. I proceeded to get the account holder on the line and prior to me even greeting the account holder she rudely cut me off .... : :at this point I am startled by the treatment : : She than stated to the account holder about the usage on the card and now there is a new limit on the card : :by the way this is a no preset limit card that balance was once as high as $ XXXX with no payment issues : : She stated the limit is now $ XXXX and you are over the limit so how would you like to make your payment today? Of course the account holder not moved by the payment amount but moved by how suddenly the account is now over the limit and now that makes and effect on how the XXXX will look. I advised to the rep did she know what that does to the company? Are ability for future lending will be compromised and not only that we've already paid our hefty membership fee to be apart of your " exclusive club '' and had NO prior payment issues. The rep than stated AMEX is taking a loss too ... .I asked how so? Are you assuming I'm not making the payment and now closing the account?. The rep stated she will get a supervisor on the line... ..We still haven't spoken to a supervisor and time is passing
Consumer complaint received 2022-12-08
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. (MD)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (WI)

XXXX XXXX AND XXXX HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. 

ON XX/XX/2023 XXXX POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). 

XXXX NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. 

ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. 

THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.
Consumer complaint received 2021-04-25
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. (NV)

This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION (CA)

I had my XXXX repossessed in XXXX of 2021 while laid off from work due to XXXX and those idiots at Regional Acceptance new it didn't work with me so they came and got my car while I was shopping at XXXX. XXXX years and now I barely find out from a private XXXX, I hired to find out who is stealing my identity using my Social Security and falsifying that their myself when I just barely found out that these Fraud punks that I'm going to sue are behind it. I tried to get a Credit Card after being approved with a certificate number comes to find out my Credit is worse than before I filed Bankruptcy these idiots in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX I don't know who the F they a Brokers or Insurance company all I know is I'm going to sue them. So today I finally after months and lots of money my private I 's gave me what I wanted and that is who my identity was stolen by and it's those XXXX in XXXX they repo my car now there trying to scam for more money and ruin my credit, even more. There also behind the hacking thats been going on with my XXXX network they have all my private information. There behindf me not getting my unemployment during XXXX they were extortionists fraudulent scammers comne to find out XXXX of those XXXX have a towing service I want this off my XXXX credit reports ASAP. I want to sue XXXX, XXXX and XXXX for following in gthe foot steps of scammers there idiots who all the executives should be jailed and F XXXX up.
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (AZ)

Ive been trying to log into my app and the actual website for weeks with no luck. Ive emailed the company 7 times with no response on the companys end trying to discuss my loan and my options for paying it off. No one has contacted me or reached out. This is extremely stressful given my current situation and super unprofessional not to answer someones messages when they are talking about XXXX dollars here. I feel its unfair to be giving money to a company that refuses to answer and put theyre customers first. I would look at the loan agreement to see my options but I CANT LOG INTO THE APP OR THE WEBSITE. I go to put in my user and password and hit log in and it doesnt work. Does not take me to a new page nothing. All responses to emails are automated so I havent spoken to a real person in weeks.
Consumer complaint received 2023-09-14
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)

I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

CFPB!!!! I desperately need your help as this is about to go on for almost 3 years now. I have filed several complaints and no one seems to have answers and I am still waiting to get my fraud claim reviewed or get any answers from Bank of America. I am also very shocked that this bank has NOT pulled any calls since I initially opened my fraud claim back In XX/XX/XXXX. As I previously stated in prior complaints, my account was charged for 1 XXXX charge, which has been credited but there was also several charges to Element Colors for a total of 26, for the total amount of {$2500.00}. All of these charges are FRAUD that I did not make!!!! I have not received any response from Bank of America whatsoever. I did call them a few months ago and the agent by the name of XXXX - XXXX Id : XXXX stated that the claim is still open and is with the XXXX XXXX since XX/XX/XXXX. He said they opened a ton of claims that were closed with no investigation and this situation fell into that. Why was I not notified of this!!! A few days ago, I received an email saying its not too late to file a claim. Are they joking! I am not calling any longer. Every time I call its the same story and they cant figure out what is going on. I asked for managers and they always tell me they dont have an escalation queue or supervisor. CFPB, I am done talking to this horrible bank. I want you to do a through investigation and ask for calls that go back to XX/XX/XXXX to present. I also want to know why these 26 charges from XXXX were not included with the XXXX fraud claim. Pull the calls and you will clearly see I did file the fraud claim. Second, please have this bank send me a check for all 26 fraud charges from Element XXXX in the amount of {$2500.00} and compensation for all of the hardship I have encountered. 

Also the agent did provide Claim number XXXX. 

PLEASE HELP ME!,,,
Consumer complaint received 2023-09-14
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. (CA)

I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.
Consumer complaint received 2023-09-14
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. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (FL)

I realized I was being charged over 700 % APR and according to the state of Florida usury laws, any loan over 25 % interest is unlawful and considered criminal. This company is a scam and is hounding to be relayed with that interest.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NC)

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} 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 ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX XXXX  XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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: Reliable Credit Association, Inc. (WA)

It's on this date XX/XX/2023 that I XXXX XXXX who is a natural living being exercise my right to rescission. 
Upon reviewing my contact, obligations, and rights as a natural person operating in Commerce, I observed that there are multiple violation present which invalidates my Contract pursuant 12 CFR 1026.3 name Tuth in Lending. 


Per the congressional finding of Truth In Lending Act. The purpose of this subchapter to assure a meandul disclosure of credit terms available to him and avoid the uninformed use of credit. 



It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX /XXXX  ( XXXX ) at XXXX XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case pursuant 12 CFR 1026.23 I have the right to rescind my obligations and renege my initial consent to pursue the previous terms. There are many fees within this finance charge that are in violation of 15 USC. 1605. It is clear you are not trustworthy and have predatorily conducted business in commerce.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Card Receivables Fund Incorporated (CA)

My XXXX XXXX  credit card was put into collections and the balance was {$1500.00} or so. I was dealing with XXXX XXXX XXXX XXXX and setup a payment plan with them to automatically deduct {$100.00} from my bank account. I paid 9 consecutive payments totaling {$900.00}. 

Then my account was transferred without my knowledge to Unifund. They sent me a letter saying that they were now handling my account. I was unaware that I was dealing with Unifund or that I even had to lookout for a letter from them because I was working with XXXX XXXX and that this debt would soon be resolved. 

Here are my issues : I did not authorize XXXX XXXX XXXX XXXX to transfer my account to Unifund and that my agreement to satisfy my debt was with XXXX  not Unifund. 

I find it very convenient and not a coincidence that {$900.00} was collected from a {$1500.00} balance and as soon as I was close to paying my debt my account is transferred to another collection account. I feel that Unifund and XXXX are practicing predatory lending and unethical business practices creating a never ending loop where I will never be able to resolve this issue. They are taking advantage of me and passing my account around making it extremely difficult to settle the debt. 

I owed XXXX XXXX XXXX XXXX {$1500.00} and after collecting {$900.00}, Unifund is now saying I still owe {$1500.00}. Where did the money go? Again, a never ending loop where I can't resolve this issue and continue to worry that my credit rating will always be negatively effected. 

I want to resolve this issue and want XXXX, Global, and any other future collection agency to cease and desist in pursuing collections. I have done everything in my power to try and make good on this collection and I do not want to waste any more of my time or have my credit rating negatively effected by this issue now or in the future.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (MI)

All 3 credit bureaus do not respond to complaints, they do not review evidence mailed or uploaded, they don't update my credit score properly, they don't provid me dispute results or a copy of my report. It has been more than 30 days for a few complaints and I even have called them and get the run around. They are required by law to do very specific tasks and they do not. I've provided mountains of data and evidence certified mail and uploaded into their system as an example for XXXX XXXX XXXX and they refuse to remove it from my report! I don't have evidence of validation, a cease and desist was mailed by my lawyer and it is to be removed until further notice. This is one example of failure to comply. Litigation will be pending by XX/XX/2023.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (AL)

Equifax I am complaining to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiries from my credit file immediately. 


These negative items does not meet the FCRA reporting requirements. I do not recognize how and why it is reporting
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TN)

XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Credit collection services has reported on my consumer report, this violations of my fair credit reporting rights for I never received any information regarding that this being report on my consumer report. Therefore they this without my consent and Im asking that it be removed from my consumer report immediately. Under section ( 15 U.S.C. 1681 ) ATTACHMENTS XXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2023 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2023 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 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. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.