davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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)

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX Bank Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX credit card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX credit card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (MI)

I contacted XXXX to talk with TD card services. They could provide no information on a card, opened without my knowledge, without me giving them more personal information. I offered the card number and my name only. This conversation took place on XX/XX/2020 
I have not activated the card or used it. I believe the account is still open.
Consumer complaint received 2018-05-18
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. (MD)

I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. 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 verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. XXXX, XXXX, and Transunion are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I attempted to close my business checking account # XXXX. I walked in to the branch in XXXX, IL when I observed three people in the banker cubicle having a private conversation. However when I requested to have the account closed with the teller I was informed that from the 3 employees present only was authorized to close my account and he will not be available to offer assistance at this time. I was then told that despite no customer present at XXXX appointment they will not be able to fit me in to close my account and I will have to wait to receive the help. I was then also told that I need to have an appointment with the banker in order to have the account closed. It is furthermore ironic that at the XXXX appointment that was supposed to be " busy '' there was actually no customer that showed up. 
Two questions : 1 ) How long does it take to close the checking account?

2 ) Is the BofA run for a benefit of its employees? 
Why all of the sudden all of the branch employees became " busy '' and not able to assist is beyond me. Also worth nothing that the branch manager was not in so he wasn't able to assist.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (NY)

I am trying to add my TD bank account to my XXXX account so I can have a working bitcoin wallet. When I put my TD information in to add the account, a prompt came up telling me the TD bank is blocking access to enable my external applications. This is the only account I can open my bitcoin wallet with and I should be able to add that account.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX  , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Consumer complaint received 2023-02-13
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. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group (NY)

Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for XXXX   reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX XXXX with an original debt of {$790.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$190.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$190.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

I returned a car, early, to GM Financial Leasing after a 48 month term on XX/XX/2020. The car was scheduled to be returned by XX/XX/2020. I received a letter today dated XX/XX/2020 from the leasing company with an " itemized breakdown of the remaining amounts due on my account ''. They are requesting a total of {$650.00} for a disposition fee {$590.00} + {$.00} past due payments + {$56.00} for " official fees/taxes imposed by government agency ''. This money is due on XX/XX/2020 and they threatened to report non-payment to the credit reporting agencies. I called and spoke to their representative who explained the disposition fee is something I have to pay because I did not lease or buy another GM product. I was not happy with the car. I subsequently did not choose to buy or lease another GM product that I consider substandard. The car had a fender that popped out and the service person at the dealer knocked the fender back in with his fist. No bolts or glue to hold it together. I returned the vehicle in good condition with no excess wear & tear, XXXX miles under mileage allowance & a new set of tires. I talked to XXXX & his manager, XXXX ( ID # XXXX  ) and they would not waive the fee.
Consumer complaint received 2020-03-06
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: SIMMONS FIRST NATIONAL CORPORATION (CA)

I have had a Visa credit card account with Simmons Bank for many years. I had a small refund check of about {$7.00} that I couldn't cash because it was payable to both me and my ex-husband. We were divorced in 2010. When I mentioned to their customer service that I was divorced they said that I would need to complete some paperwork and remove my former spouse from the account. She stated that this is required if you are divorced. They closed my account and declined a charge on XXXX for {$21.00}. This account is paid as agreed and currently has a zero balance. 
The Information Sheet for Bank Card that they sent to me is a credit application. I am required to reapply for this account and leaving the account as a joint account was not available as an option. 

This is a violation of the Equal Credit Opportunity Act.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to bring to your attention a matter of utmost concern regarding the persistent presence of fraudulent items on my credit file. Despite multiple attempts to rectify this situation through your dispute process, I am dismayed to report that the fraudulent items remain unresolved. 

I have attached copies of my credit reports, highlighting the fraudulent items, and previous dispute correspondence for your reference. 

I have diligently followed the established procedures for disputing inaccurate information on my credit report, providing all necessary documentation and evidence to support my claims. However, to my dismay, these efforts have proven futile, and the fraudulent items persist on my credit report. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the failure to remove the fraudulent items despite previous disputes. 
Take immediate steps to rectify the inaccuracies and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I understand the importance of accurate credit reporting, and the presence of fraudulent items has adversely affected my financial standing. As a responsible consumer, I have taken all necessary steps to address this issue, and I expect a swift and satisfactory resolution. 

I request that this matter be resolved within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

On XX/XX/2020, I had six unauthorized foreign transactions made using my Paypal MasterCard Debit Card. I filed disputes for all six transactions, as well as reported my card lost/stolen. On XX/XX/2020, I received emails from the Paypal dispute department stating that the disputes were denied and PayPal would remove the temporary credit refund of all the transactions because, in their words, " you stated that your card was lost or stolen in XX/XX/XXXX and [ these transactions ] occurred before that date ''. 

I reported my card stolen as soon as I discovered these transactions, and it was within the CFPB 's 48 hour limit to remove fraud liability. XX/XX/XXXX and XX/XX/XXXX are only a single day apart, after all. These are unauthorized transactions to foreign merchants that I have never heard of, and I should not be held liable for a single cent of the money that was stolen from my account.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX  XXXX  saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.
Consumer complaint received 2022-12-07
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. (FL)

I am interested in disputing the information on my credit file with Equifax. my credit report is invalid an damaged due to the data the credit agencies have reported. I am interested in disputing all incorrect information to fix the errors an clear my name thank you.
Consumer complaint received 2022-10-03
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. (SC)

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 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (WV)

On XX/XX/2022 I opened an American Express Credit card. Terms of a XXXX dollar deposit were met and on XX/XX/XXXX I was credited XXXX to my account for meeting the promotion. On XX/XX/XXXX, I contacted American Express and closed my account because too many small businesses does not accept their card. I opened a XXXX XXXX card which I am completely satisfied with. After my account was closed American Expressed charged the XXXX dollars to my CLOSED account. They said I closed the account too early and the were reversing the promotion. At no time was I told they would do that when closing the card nor does it say on their promotion advertising they can add the XXXX to a closed account. It states we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from you account. At no time did I authorize the XXXX being added to a closed account. Also American Express has been reporting to the credit bureau and crashing my credit. At no point has American ever contacted me to resolve the situation. The had an automated machine call me. I refuse to pay them XXXX dollars to a cancelled account and any late fees or interest accumulated. I would like American Express to fix this and my credit at the same time. They are a big company trying to push around a consumer!
Consumer complaint received 2024-03-21
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. (NV)

FIX YOUR CREDIT YOURSELF AND SAVE MONEY Step XXXX Credit Bureau investigation letter [ Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Date ] [ Credit Reporting Agencys Name ] [ Credit Reporting Agencys Address ] [ City, State ZIP Code ] Re : Investigation Request for Inaccurate Credit Information Dear [ Credit Reporting Agencys Name ], I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention.

The details of the disputed information are as follows : 1. Account Name : XXXX  XXXX XXXX. Account opened:XXXX XXXX. Nature of Dispute : account dont belong to me not my address associated with account. 
I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : XXXX. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor. 
Provide evidence supporting the validity of the information. 
XXXX. Correct Any Errors : If any inaccuracies are found, promptly update my credit report to reflect the correct details. 
XXXX. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting. 
Please respond within 30 days from the date of this letter. You can reach me at [ XXXX ] XXXX or [ XXXX ] if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a posi