davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I have an account with {$2000.00} unauthorized fraudulent transaction on it, it was approved that fraud took place but after a month of waiting my check never arrived, I received an approval letter but when I called 5th third bank sent me a check to someone else house and it got cashed I have been trying to resolve this issue all day on XX/XX/23 the agents were sending me to the bank and they would send me right back to the csr and I am in need of my money that I never received, they have caused me to have no car insurance and they are close to causing foreclosure on my house, from their lack of supplying me my funds and closing my account early they have showed me how unprofessional they are and they need to correct this mistake quickly, if not then i am going to make sure fifth third pay my house off completely .....
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I opened a American Express Business Platinum card on XX/XX/2023 and on or about XX/XX/2023 American Express suspended all my accounts and wouldn't allow me to make any further charges. On XX/XX/2023 I was charged the annual fee of {$690.00}. I asked Amex to unsuspend my account because their ongoing review is not related to my new account which doesn't have charges related to the ones in their investigation. After their failure to respond I contacted them to close my account so I could receive my annual fee back and they refused to close my account. 
I opened a new credit card for an introductory offer which I plan to fulfill and they suspended my account which prevented me to meeting the terms while also charging an annual fee. They refused to close or unsuspend my account.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-18
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. (TX)

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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I went to XXXX XXXX XXXX in XXXX XXXX in Michigan. This was my first time financing a car and they made me comfortable only for me to realize they took advantage of me later on. They didnt give me a lot do options to choose from, then pressured me into getting the expedition. I got approved for {$260.00} a month, {$500.00} down on an XXXX expedition on XX/XX/XXXX through credit acceptance. All my paper work showed that i will owe about XXXX and they told me after 6 months i will be able to get a better car. On my credit acceptance account it had showed I owed almost or even more than XXXX. On XX/XX/XXXX my car started to show signs of it about to break down. The engine light came on and it never drove the same. Mechanics told me I didnt even have a water pump. They told me my vehicle was horrible and shouldve never got it. I called the car sales and told them repairs were {$1000.00} plus and they did nothing. Credit acceptance never answered the phone for me, only one time. That call they did not help me fix the problem at all so I have been stuck paying credit acceptance and now I am behind on payments on a car I cant even use. I have been out of a vehicle for months and I am only XXXX XXXX XXXX. My job cut my hours and Ubers are almost {$30.00} everyday to go to work. Nobody helps me and I am all alone. I need a new vehicle and I need credit acceptance off of my credit. I cant even save money to even try and better this situation because I have to spend it on rides to work. I went to multiple dealers trying to get help and they said i need cosigner due to credit acceptance loan. I have nobody to cosign for me at all I have asked everybody I know. Please help me with this situation with credit acceptance & please include XXXX XXXX XXXX for leading me into this horrible situation as well as credit acceptance. If you need my paperwork from XXXX, Im in the process of looking for it.
Consumer complaint received 2023-09-29
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. (GA)

I am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them last XX/XX/XXXX XXXX with the confirmation number XXXX they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report. I called again last XX/XX/2023 and then they said that the unauthorized inquiries were removed in my credit report but when i generated my credit report I still see these unauthorized inquiries in my credit report. I called back again XX/XX/2023 with confirmation number XXXX this time they told me that these unauthorized inquiries are still in my credit report and they did not receive my FTC report. 

Please I need your help on this matter to address this concern to the bureau. 

I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account XXXX : 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 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (FL)

I already filed the claim with CFPB case # XXXX regarding fraudulent loan with TRUIST Bank XXXX XXXX XXXX despite all my efforts I couldnt resolve that issue with their Fraud Management Department XXXX An Identity Theft claim was filed on my behalf on XX/XX/2022. The claim was reviewed, and a letter was mailed on XX/XX/2022. It was determined I had been the victim of the identity theft and the loan account that had been opened in my name was closed. 
So the case was closed and I received a letter ( attached ) from Truist Client Resolution XXXX, XXXX XXXX XXXX, stated that I was a clear victim of the identity theft. 
But they are still sending me monthly bills with an outstanding balance of about {$840000.00}. I again tried to solve that matter with TRUIST Bank but with no success. 

Thank you for your assistance XXXX XXXX
Consumer complaint received 2023-01-07
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: Westlake Services, LLC (CA)

An affidavit of Billing Error Notice was mailed to Westlake Financial but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX XXXX  v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had this account since XXXX  and they keep reporting delinquent account by XXXX XXXX days and right now l continue to have a credit card with them and l am not behind or delinquent at all up to this day but they will not correct their reporting delinquent payments, l personally called them to have the info removed.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I Filed a dispute with transunion to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was not in delinquency ). XXXX  provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

Per the letter issued by XXXX  in support of my claim, the account was in forbearance. And Transunion in violation of the fair credit reporting act did not update account nor conduct fair and detailed investigation into my claim and evidence submitted. 

I provided XXXX. with evidence ( a letter issued by XXXX  ) showing dates currently being reported by XXXX as inaccurate. Account was not late, account was in forbearance as listed by XXXX ( the originator of the information ).
Consumer complaint received 2023-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (PA)

I don't know what this company is inever signed any contract with them in by law ALL DEBTS are paid through Title 18, sec8,, as well : as hjr192 in public law 73-10, and I can go on in on pertaining to LAW in also I never sign anything.
Consumer complaint received 2023-05-10
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. (GA)

In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

was offered 0 % finance for a 5 % fee. Wrote the check and was posted to account on time Statement came made payment way before do but didn't see interest charge. next month statement show interest again, called and they said they would look into it. Paid the fee and a small amount more on time. no results, next month more interest called again and they said I should be charged but would take time. called again and they would look into it. the fourth month I completely paid total pay off due to exit the agreement and be done. Yet still got interest only charge and I didn't even have a balance after pay off. I never paid it. Paid fee and entered an arrangement, got charge for the interest paid anyway and then paid it off and they still charged me after I was paid off yet more interest. was early on payment or never late. Have many other cards never had this happen in 35 years
Consumer complaint received 2024-03-30
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. (FL)

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution. The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Consumer complaint received 2023-02-07
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an 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 2022-10-31
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX I have contacted the credit bureau 's to do an investigation on my findings and they do nothing i have sent letters to verify my information i am asking they haven't done nothing i have been waiting on a response. I need for this department to do a investigation into this matter enclosed i have attached two letters showing my proof that i need this information corrected on my credit report. Under
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I have noticed that there were four XXXX transactions posted on my business account ( # XXXX ) without my authorization on XX/XX/XXXX. I tried to reach the Chase customer claim department on XX/XX/XXXX, but it was closed by the time I called. On XX/XX/XXXX, I reported a claim for this incident. 
1 had never received any kind of one-time passcode and/or transaction alert from Chase Bank regarding this XXXX XXXX and when I tried to reset my password to protect further fraud activity, I noticed that my original phone number, which is XXXX, was replaced to unfamiliar number ( XXXX ), that I didn't recognize and had never used before. which explains why I didn't receive any alert or message from Chase because the phone number was changed. 
I've never had any interaction with any potential fraudulent activities over the phone or via email. But from my phone conversation with the Claim Department on XX/XX/XXXX, I was informed by the Chase representative that my personal computer was compromised. 
No one from my family or business partners has had my account login information. I've also never written on a hard/soft copy of my account login information. This begs the question of how this could have happened given how cautious I am with personal information details. 
From the transaction details, I understood that an amount of {$3500.00} was transferred to an account registered in XXXX, XXXX, and the other three transactions, for an amount of {$4900.00} each, were transferred to an account registered in XXXX, XXXX. In both of these areas, I've had no personal or business interactions with anyone. I only access my account from my personal XXXX XXXX and XXXX XXXX XXXX, and have not left the XXXX, Texas area since the beginning of XXXX.
Consumer complaint received 2023-01-08
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: DISCOVER BANK (KS)

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.