davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Fuel Capital Group (NC)

I am getting no assistance between strike acceptance and XXXX XXXX XXXX XXXX. I was sold a car with a faulty transmission and was force to pay out of pocket for a brand new transmission ton a car I had less than 30 days. 
I asked XXXX XXXX and both strike acceptance if there is anything they could do to help out with the payment plan. I am only XXXX payment behind the first payment and that is due to being stranded in XXXX GA with a XXXX XXXX XXXX ( traveling from XXXX ) I have had to pay for multiple train rides as well as hauling services due to the lack of assistance. XXXX XXXX has had the car impounded. Strike acceptance has advised that I must pay the total of the car off to obtain the vehicle. I am a single mother who has been utterly abused and mistreated as well as I feel I was truly given the poorest customer service. I have came out almost {$2500.00} to fix the car and safely get my family back to XXXX XXXXa all for them to take it away once I finally got it back to XXXX XXXX XXXX I even visited the XXXX XXXX XXXX XXXX this day to return a rented vehicle. 

Because of this hardship I was late on my first payment for XX/XX/XXXX. I was not able to pick up my car from XXXX until XX/XX/XXXX. 
My car was towed/repossessed on XXXX. 
The bank sent a letter advising my vehicle would not be sold until XX/XX/XXXX, however sold the car back to dealership on XX/XX/XXXX. 
XXXX XXXX advised they had no idea whats was going on with the car and attempted to run my credit to place by me I. A different car. 
I explain to them that strike has advised the car was release to the dealership but XXXX kept denying this statement. ( they did not want to put me I. The same car ) after all the trout XXXX I had faced to get the car fixed. My car was not sold as is and was under warranty. We also found that the dealership did not fix the recall on the transmission before selling me the vehicle ultimately factoring into the transmission failing on me. 

This hardship has set my family back completely. I traded in a car for a lemon and feel completely robbed and scammed. 
If the dealership would have taken the responsibility of fixing the car, I could have successfully made my first payment on time. 

Because the bank went outside of the agreement via the letter ( not selling the car until XX/XX/XXXX ) they agreed to remove the trade line from my credit profile. While I do appreciate this I feel both the bank and XXXX XXXX should be held accountable for the lack of protection against the consumer as well as not allowing me the time to pay for the car before selling the vehicle. 
Also the trade line still shows on my credit after strike informed the better business bureau of deletion.
Consumer complaint received 2023-05-31
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 (CT)

From late XXXX of XXXX until late XXXX of XXXX I was charged by the company XXXX for purchases that I did not make totaling over XXXX XXXX On XX/XX/XXXX I was charged XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XXXX XXXX, on XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX and XXXX and XXXX, on XX/XX/XXXX XXXX. I contacted XXXX and they were able to refund only a a few dollars saying that I reported it too late. I contacted my bank, Bank of America, and they were also able to only refund a few dollars, saying that the majority of the money could not be refunded because it was reported too late. I travel for work and go backpacking a lot so I was not able to do a complete audit of my bank account spendings until I was done traveling, so I did not notice the fraudulent expenses until a few months after. At the time of the charges from XXXX I had been backpacking the XXXX XXXX and was not in a place where I could be constantly checking my bank account.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One repeatedly " double dips '' my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly. 

XXXX places duplicate charges on my checking account on my online purchases by placing a duplicate authorization hold on top of already posted and cleared transactions. Artificially lowering my balance by twice the amount of the purchase. Puts my account in the red. Effectively freezes my available funds for several arbitrary business days. This is happening almost weekly.
Consumer complaint received 2024-03-29
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

I opened an account with Marcus Goldman Sachs in XXXX. In XXXX my twin sister opened an account as well. Since that time both of our accounts have been forced closed without notice. When I called to get my account unlocked I was notified of this. While on the phone, the representative stated I would have my funds back in 7-10 days. Every time I call I get a different answer. When I called this morning Im now being told that my funds will be locked until XX/XX/23. I am not okay with this. My sister spoke with someone who said her funds will be released back to the original bank within 1-3 days. I need this resolved sooner than XX/XX/23 and Im hoping you can help.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-11-29
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. (IL)

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.
Consumer complaint received 2022-11-30
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. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.
Consumer complaint received 2023-05-31
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to report a disconcerting incident involving XXXX XXXX and TransUnion, which led to an undeserved reduction of my current credit line with XXXX XXXX following a loan application. 

In early XX/XX/2023, I was invited by XXXX XXXX to apply for a loan. They reassured me that this application would not have an adverse effect on my credit. Relying on this assertion, I proceeded with the application and was conditionally approved for over {$30000.00}, subject to a 15-day review period. 

Regrettably, during this review period, XXXX XXXX unexpectedly reduced my existing credit line. This unanticipated action has led to a significant increase in my credit utilization rate, directly contradicting XXXX XXXX 's guarantee that my credit would not be adversely affected by the loan application. 

When I reached out to XXXX XXXX for an explanation, I was informed that the decision to reduce my credit line was made by TransUnion, the credit bureau. This claim raises serious questions. As per my understanding, a credit bureau 's role is to provide credit information, not to make underwriting decisions for a lender. 

The apparent shifting of decision-making authority from XXXX XXXX to TransUnion seems to be an unusual and potentially illicit practice that violates the standard regulations of credit reporting and lending. It is crucial to examine the legality of such an arrangement and to determine if any laws governing the roles and responsibilities of credit bureaus and lenders have been breached. 

In essence, the reduction of my credit line by XXXX XXXX, apparently at TransUnion 's behest, directly contradicts their promise of 'no harm to my credit ' made at the time of the loan application. This raises questions about the potential overreach of TransUnion 's influence and the integrity of XXXX XXXX 's lending practices. 

I respectfully request your assistance in investigating this matter. I am specifically concerned about the legality of a credit bureau making underwriting decisions on behalf of a lender, and the consequential impact on my financial status. I am seeking a fair resolution that involves the restoration of my original credit line, an explanation from XXXX XXXX and TransUnion for their actions, and assurances that such practices will not recur. 

Thank you for your attention to this matter. I am prepared to provide further information if needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC (FL)

Arcon Credit management has been reporting a fraudulently taken out over 7 years ago to my credit report. The loan is past Florida statute of limitations for reporting. I have reached out multiple times in regard to this claim and was told that they researched my claim and found I am responsible for the debt. There is no proof beyond some minor paperwork that states I owe this money to Arcon
Consumer complaint received 2022-12-22
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. (NV)

this is unbelievalbe who runs their credit 3 times for the same company? remove this now. this is not my inquiry No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. 
Lock your Experian credit file to help prevent identity theft. 

Manage access
Consumer complaint received 2022-11-29
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. (CA)

I have tried to dispute inquiries along with inaccuracies with XXXX. I will be providing the necessary documents to finally close this dispute out.
Consumer complaint received 2022-12-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CATHAY BANK (CA)

Check writer from Cathay Bank ( routing code XXXX ) who made electronic deposit to my account in person at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a XXXX XXXX receipt. The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXXOn Wednesday XX/XX/2022, XXXX XXXX reversed the fund due to the check writer closing her account at Cathay Bank XXXX 

Now I lost {$4900.00} due to mishandling by Cathay Bank and XXXX XXXX bank. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Cathay Bank allowed check writer to close her account as outstanding balance and deposit transaction are still in process with XXXX XXXX bank. 

In addition, XXXX XXXX said " Posted status '' means they are still processing deposit transactions which were never mentioned in the XXXX XXXX deposit agreement. Therefore, they just reversed the funds from my account due to account closed at Cathay Bank. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (NV)

1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MD)

I had XXXX for multiple locations for over 11 years. When I sold my home in 2020, I turned in my equipment and completely cancelled service because I was moving out of state and could not transfer service. I had my realtor drop off all equipment and confirmed that my disconnect notice was put in. Fast forward 2 months later, I called to check on the final bill and was told the bill was significantly higher than it should have been. I was told i was charged for equipment as well additional monthly fees as the account was not terminated per my initial request. The initial request was submitted via a XXXX corporate location not via phone. I called in as I was now in Maryland to try and resolve the issue. I provided the equipment drop off slip confirming that all equipment was indeed turned in and to address an adjustment of the account for the overage charges for the additional time of service, past the requested service termination date. A representative claimed my account was submitted for a service adjustment and that it would be updated that the equipment was confirmed to be received. I was advised the adjustments would take at least a billing cycle to reflect the final bill on the account and that it was closed. I gave my new address in XXXX MD as the address of record to send the final bill. 

We proceeded to check with XXXX several times over the next few months awaiting the final adjusted bill. They refused to adjust the account as promised and even charged late fees and then an account termination fee. Despite our detailed information regarding the agent via the corporate store and the promise to correct the billing. They then charged the account off and placed it on my credit file. They never sent the adjusted bill or resolved the additional month of service from the bill.