davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (NY)

I paid off my Chase Bank auto loan in the year of XXXX, however, Chase had never sent any lien release to me until late XX/XX/XXXX after I contacted Chase when I failed to sell my car. 
On XX/XX/XXXX, when I was trading in my car and purchasing a bigger used car at a dealer for my vacation with my family and friends, after my husband completed the finance application at the dealer ( my husband 's credit score had been checked ), the dealer found out the Chase lien on my car and rejected the trade in ; therefore, I must pause the purchase and go to a Chase branch to request a lien release and must wait for the lien release to trade in the old car to restart the purchase at the dealer ; the used car I wanted to purchase was sold out while I was waiting for the lien release from Chase ; therefore, I must look for another used car again and could not get a used car until XX/XX/XXXX. 
I had booked the hotels for the vacation with my family and friends, however, I must cancel all the bookings and reschedule the vacation. The negligence of Chase has damaged my vacation, wasted my time, and added unnecessary extra hard inquiries on my husband 's credit profile.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

BB & T ( now Truist ) did not follow proper procedure or stated policy to protect my account. On XX/XX/XXXX, BB & T removed me, the only signature for the restaurant account, XXXX  XXXX , XXXX, and replaced it with XXXX XXXX, representing himself as the new owner. I was the only person allowed to sign on this account. Upon discovering I could not log into my XXXX  XXXX I went to the bank. I asked XXXX XXXX, manager, what happened. She said did they not call you, you better get a lawyer. I was not present, and I had not given written permission or spoken to anyone giving approval for this action. 
XXXX  XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX, operated from, XXXX, XXXX to XX/XX/XXXX, and was independently owned and managed by XXXX XXXX. 
Notes : Regarding BB & T and XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. 
I did not ever call BB & T and tell them to remove my name from the XXXX  XXXX account and replace it with XXXX XXXX. I did call BB & T and asked them to unlink my personal account from the XXXX  XXXX business account. XXXX XXXX did go with me on a few occasions to BB & T when I was cashing a check to cover the weekly tip out for the staff. I did not ever request to meet with a manager to make changes to the XXXX  XXXX business account. I find the words Mr. XXXX used at the end of the second paragraph perplexing. Taken together, these facts gave BB & T a reasonable belief that XXXX Lively was authorized to act for XXXX  XXXX, XXXX Ms. XXXX knows what happened. We have not been given the name of the person who ultimately signed and is responsible for BB & T action. We must remember that Mr. XXXX is a conman. He filed a defamation suit against me, accusing me of saying just that, his complaint was struck by the court. 
Over a period of 6 months Mr. XXXX did everything possible to gain my trust. It is obvious he was successful. By mid-XXXX  I began to have misgivings about the sale. A change in his behavior and care for the restaurant were a problem for me. When he continued to stall on the lease for the space and ultimately took unexecuted documents to BB & T and changed the account signature, also removing my password to the Point of Sale and payroll account I withdrew my offer to sell.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.
Consumer complaint received 2021-08-09
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. (FL)

I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address Transition had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on Transuion credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Consumer complaint received 2021-08-08
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. (TX)

I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!
Consumer complaint received 2021-08-09
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. (VA)

I have sent letters to Credit Reporting Agencies XXXX  and Equifax  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts. 2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Venmo allows you to purchase cryptocurrency through their mobile app. 
I have purchased crypto from their site but I am not able to sell it ( an internal error on the app freezes/kicks me out of the app after entering my tax information ). I advised Vemo of the issue on XX/XX/2021 and communicated with them approximately 13 times via email in regards to this ongoing issue. On XX/XX/2021, I was told that I need to verify my identity to sell the crypto and then was told that the best way to identify myself was to get a Venmo debit card. I am aware of no language in the service agreement where I am required to get a Venmo debit card for Venmo to release funds and Venmo is refusing to release funds and they have no basis to do so.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
Consumer complaint received 2021-08-08
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. (WA)

I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX  and they have failed to comply with FCRA guidelines!
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC (SC)

On XX/XX/21 I started the paperwork of getting a loan for a XXXX XXXX. Because of proof of insurance and the down payment amount of XXXX I was denied the access to complete the application. Along with no being able the read my uploaded driving id. After I asked about operating under truth in lending he still told be I needed that cash transaction on a consumer credit transaction which is false.
Consumer complaint received 2021-08-09
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. (MT)

In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MT)

In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (GA)

I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The account listed as XXXX XXXX was paid for deletion on my credit. The account was paid back in XXXX XXXX XXXX insists that they sent a request for deletion to ALL three major credit bureaus on XX/XX/2021 however, it still appears on my Equifax report . I am at the closing stage of purchasing a home and this will prevent me from doing so.
Consumer complaint received 2021-08-08
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. (MI)

Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC (IN)

RMP LLC is violating my rights as the consumer and hindering my reputation. THis third party has illegally bought my information by never contacting me the original creditor of this resell nor identifying me as the consumer according to 1681e ( 2 ) and 1692g notice of debt within five days. This company never received my HIPPA release to be able to collect on this alleged debt. nor to go after veteran medical information.
Consumer complaint received 2021-08-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I mailed dispute letters to XXXX, Experian and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I mailed dispute letters to XXXX XXXX and TransUnion and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Consumer complaint received 2021-08-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Foreclosure by Bank of America 2015. XXXX XXXX XXXX XXXX,. XXXX FL XXXX. 
XXXX XXXX XXXX They have failed to send a 1099-C to notify me. Since they didn't send me a 1099-C they have violated my rights because this charge off equates to a tax credit because they have charged it off means that they canceled this means that I love them I'm liable for the amount that has been canceled. They have not reflected the new balance they just weighed part of the fees they discounted the amount I owe by canceling that amount and agreeing to reduce the debt well if they have agreed to reduce the that it's not being reflected on my account I've asked them for a full comprehensive verification of account and they have not providing me with verification on the third collections practices at in the Fair Debt credit reporting at they are violating my rights and I want this taken care of.
Consumer complaint received 2021-08-08
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. (MI)

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Experian and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Experian and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Consumer complaint received 2021-08-01
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: Early Warning Services, LLC (FL)

EWS clearly states in their attached correspondence with me, that they received my dispute letter in regards to my entire account on XX/XX/2021. It is now XX/XX/2021 and I have not received a report in regards to any investigation. 

XXXX XXXX XXXX xxx xx XXXX Consumer ID : XXXX