davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America charged off a loan that is not resolved. I do not owe the amount they charged off because they are supposed to repossess the car and sell it. I am responsible for the difference. 

XX/XX/XXXX, my XXXX XXXX was in an auto accident. It was repaired by XXXX XXXX XXXX, XXXX, NY. XXXX XXXX issued a check paid to XXXX XXXX XXXX and another party. The car is licensed, registered and insured under my name only. Even though it was a third-party check, Bank of America cleared the check with one signature ( the other party who does not have any claim to the car ). The Body shop was not paid. Numerous calls to the insurance company and they said they were waiting for Bank of America to re-issue another check to pay for the car. XX/XX/XXXX I lost my job and I called Bank of America and asked them to take the car. I was told that a voluntary repossession was not possible because my account was current. My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX. I called Bank of America when I realized they did not pick up the car and explained my situation and told they need to pick up the car. They said they would have someone go to inspect the car and let me know the next steps. I never received a call about the next steps, just daily calls harassing me for payments. I told my story to numerous representatives and to date, no resolution. Now it is on my credit report as 'charge off. ' The last representative I spoke with, told me that the record shows, that Bank of America is deciding if they should re-issue a check or pay XXXX XXXX.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NC)

I purchased equipment through XXXX XXXX and financed through Fortiva. They upgraded my account to a XXXX XXXX without my permission. They said they sent an email where I was to opt out before some date in XXXX. It went to the Junk file. They moved my balance to this XXXX card. This is predatory. I did not want nor approve this card. No one should get an upgrade like this. Plus, my payment history disappeared. Totally inappropriate. I feel my age was a factor in thinking they could get away with this.
Consumer complaint received 2022-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Called Mohela XX/XX/2022, advised it was filed. 
Called XX/XX/2022, on hold for 2 hours, I hung up because 2 hours. 
Called XX/XX/XXXX, was told " it's filed '' and nothing beyond that. 
Also sent two secure messages through MOHELA portal, no return message.
Consumer complaint received 2024-01-17
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

I received my XX/XX/XXXX billing statement fewer than 21 days prior to the billing due date. I was not notified of this until I received an email on XX/XX/XXXX notifying me of that occurring and that my account had been placed in forbearance starting in XX/XX/XXXX until XX/XX/XXXX. At that point the forbearance period was over. It is now XX/XX/XXXX and I have not received a statement for my payment due on XX/XX/XXXX, XXXX so again I will be not be receiving a billing statement until fewer than 21 days before the due date.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CUSTOMERS BANCORP, INC (GA)

The 2 late payments on XX/XX/XXXX  and XX/XX/XXXX  are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.
Consumer complaint received 2023-02-10
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)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

XXXX name XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX # XXXX XXXX NAME XXXX XXXX  NAME 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 section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.
Consumer complaint received 2023-07-15
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. (AR)

This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (FL)

I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-14
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. (PA)

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. Transunion and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and XXXX asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXXXXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX  XXXX This account shows inaccurate Transunion shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXX # XXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Consumer complaint received 2023-05-15
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)

I am submitting this CFPB Complaint as a follow up to the first Complaint I submitted requesting the Credit Reporting Agencies to remove the fraudulent account 's and information off of my Credit file. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX, to remove the accounts and inquiries that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my first Complaints & I am including it again. I need the following items removed from my Credit File without delay : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIT XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus believe that the disputed items legally belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents they may find proving such claims. In the absence of such documents, I expect nothing but the immediate deletion of the items in dispute.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (GA)

On XX/XX/2023 I started a new self credit building account with Self. A {$3000.00} self building account with a {$150.00} payment monthly and {$1.00} to start. At the end of the term, Id save {$2900.00}. Seems like a great deal at the time. First payment was {$9.00}, I contacted them and stated that was not was advertised and the fact that I had already started the account, I was bonded by obligations. Second payment was supposed to come out my account ; which the never even attempted to take out according to my bank. I realized it was a ploy to falsely charge me more. I proceeded to make the payment anyways using the save account on file. Third payment, which was due on XX/XX/2023. Again, the money is there, I contacted my bank ahead of time to ensure that thered be no hiccup. Once again, self did the exact same thing. Now despite the fact, {$150.00} has been made.theres only {$37.00} to date of saving. At a rate like that Id be lucky if theres a {$900.00} save at the end of the term ; which they advertised youd save {$2900.00}. Please help ; this is extremely frustrating. Ive been homeless and desperately trying to build my credit to purchase my own home and these companies are deliberately hurting the public. It doesnt matter what time of day you call, theres never a live person to take your call. In the chat, they keep sending to an article as opposed to addressing the issue at hand.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-14
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX  Account # 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 an account without my written instructions 15 U.S.C 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
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Flexible Finance, Inc. (NC)

Im a Renter @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office which I am not even on current lease my wife and son are, respectively, XXXX XXXX and XXXX XXXX XXXX so Im not sure how Flex even obtained my name and my personal information as I personally never signed up to Flex or even create a renters deal with them using my name, my signature or made any deal such forth they will pay the rent my wife and son reside@. . XXXX gets XXXX dollars per month from me from my XXXX XXXX XXXX account I can not arrest or help as to why XXXX  XXXX will not pay back Flex but that is between them. I paid rent same exact time flex did whatever they did so if XXXX is if XXXX XXXX is holding and keeping unauthorized monies that does not fall as my responsibility as I never signed nor agreed to pay flex nor am I on any lease to do so! I am not paying Fkex back rent payments because XXXX wants to be double fisted. Im told Flex nor XXXX will correct this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the XXXX of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX