davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (TX)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$23000.00} with a substantial interest rate. Throughout the life of the loan I had extended 8 monthly payments and was never told there would be any type of a balloon payment at the end. In XXXX I was informed I would owe approximately {$9000.00} on XX/XX/XXXX, maturity date of the loan. After several conversations and requests for the payment history, which I was never provided, they said there was no option but to pay due to how interest is calculated. I understand how interest works and is calculated but never was it explained that there would be a " balloon '' payment at the end of the note. Even if I take the 8 payments that were extended, that would only total {$4700.00}. As of today, the payoff is {$8700.00} which I am told I have no choice but to pay and if not paid by XX/XX/XXXX they will report negatively to my credit. 

I do not understand how a balloon payment of such a significant amount can be legal or reasonable for someone to come up with.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-19
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
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. (VA)

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had XXXX or XXXX late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be XXXX They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IL)

My bluebird bank account was permanently suspended I was so XXXX I didnt do any fraud or something bad, thats how they always block account there is fund in my bluebird account So I want them to unlock my bluebird bank account right now This my SSN XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late 30 60 or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be XXXX. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Consumer complaint received 2022-04-16
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. (GA)

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX and XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I opened a Capital One Walmart credit card in XXXX of XXXX. My son applied & received the same type of card. I added all of my children to my card as authorized users to help build their credit. I always paid on time & for the majority of time kept my credit usage under 10 percent. My son had a dispute with Capital One about one of his payments. Due to this Capital One restricted my card. I called them on XX/XX/XXXX when I discover the restriction via my phone app. They said it was due to him. I explained not only was I not listed on his account he was just an authorized user on my account. I told them to read what they have listed when adding someone as an authorized user. I also explained that he didn't have an obligation to pay on my card & vice versa. I told them to look at my account history. I also told them if he's the issue to just remove him as an authorized user because I was out of town & needed my card. The only thing I received from that XXXX min conversation was him being an authorized user being the cause of me not having access to my card. They also said I'd receive a letter in 7-10 business days regarding the restriction. I still made my payment on time. 
As of XX/XX/XXXX I hadn't received a letter. I looked at my app before calling Capital One & it still showed restricted. When I called I talk to someone briefly who told me my account was closed than I was transferred so I could receive further explaination. When the second repXXXX " XXXX '' got on the phone. I explained the situation again & never receiving a letter they said I would originally receive nor one stating my account had been closed. " XXXX '' told me that the " system '' closed my account cause of my son 's account. I asked why when I spoke with someone previously. I also asked why hadn't they tried to contact me or even give me the option to remove him if it was an issue to have him as an authorized user. He repeated himself again. I said, " You pulled my credit for me to get the card. You've never had any issues with me but you closed the card negatively impacting my credit for something I have no part of. Why can't you just remove him & cut my card back on? '' He said, " Your account is closed but you can reapply if your want. ''
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
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: Experian Information Solutions Inc. (WA)

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report. 

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 

XXXX also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. 

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 purpose. 

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of XXXX violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (AE)

Nationwide Credit Corporation and/or XXXX XXXX XXXX XXXX misrepresented the total balance I owed on a credit card, after I paid the lower amount, they later levied the full balance against me. 

In XXXX of XXXX, I called XXXX XXXX XXXX XXXX ( XXXX ) to make payments and settle my credit card debt of approximately {$25000.00}. I was told that the account had been sent to Nationwide Credit Corporation ( NCC ) for collection. When I made contact with NCC to schedule payments, they told me the total balance owed was only {$6400.00}. I asked them to confirm as I knew the balance was roughly {$25000.00} ; they confirmed, and this led me to believe that they were settling the account for less. I scheduled a payment plan to start in XXXX ( see attached Debt Collector Letter ), but I was not able to begin payments at that time. However, a few months later, I called NCC again on XX/XX/XXXX to begin payments. I asked again if the balance was only {$6400.00}, and they confirmed. So I scheduled six monthly payments of {$1000.00} ( see attached NCC Payments ). After completing the first six payments, I received another letter requesting the final payment of {$430.00}. I called again and confirmed that this was the final payment and paid it on XX/XX/XXXX. 

In XXXX of XXXX, I noticed the status of the account on my credit report had not changed. I expected the status to show " account settled '' or " paid/closed ''. Instead, it was still showing charged off or balanced owed. So, I disputed the account, and when I received the results, the account was only updated to show the payments I made. So I called NCC again to inquire about the balance still owed ; unfortunately, I do not remember the date or who I spoke with, but she told me that XXXX gave them the wrong amount ( {$6400.00} ) and now they needed to collect the remaining balance of roughly {$19000.00}. I asked how it was possible that I needed to pay the remaining balance when they assured me the total balance was {$6400.00}. I took no action but thought I would dispute it again with the credit bureau and add the collection and proof of my payments as I did not provide any documentation the first time. 

In XX/XX/XXXX, I finally found the attached letters ( the only remaining ones I have ) and pulled my statements together to dispute the account status through the credit bureau with documentation. In XX/XX/XXXX, I received the results from the dispute, and the account was " verified and updated. '' The credit bureau ( XXXX ) provided information regarding your bureau to further dispute or file a complaint regarding the results of my claim.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I'm trying to close an IRA and transfer the funds to XXXX. The Truist account statement has a number for the branch ( XXXX ) which is not in service. When I called their other number ( XXXX ) on XX/XX/22 I was told that XXXX needs to request the funds from them, they would not send otherwise. They gave me a fax number ( XXXX ) to send the request. I had XXXX send the request ( attached ) and signed the form ( this is my mother 's account but I have power of attorney, also attached ). 

Truist will not provide any status to XXXX. I called again today, XX/XX/22, and after navigating through their system and reaching a person was told they had to transfer me to " the IRA department '' at which point they transferred me to a number that is not in service. 

I have done similar transactions with other banks with no issues. This is ridiculous. 

Your assistance is much appreciated.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (LA)

Ordered appliances with a Chase Ink card that were not shipped as promised. Made multiple written requests to the merchant to cancel the order that were ignored. We advised the merchant we would refuse delivery, if shipped. The item did ship and we refused delivery. The merchant claimed the delivery was accepted, so we disputed the charge. Chase later reversed the chargeback, stating the merchant provided proof of delivery. When Chase forwarded that documentation to us, we saw the proof of delivery was forged with my wifes initials, likely by the driver. Chase provided me with misleading information and told me I could appeal the findings and re-open the dispute, only to ultimately tell me they could not appeal on those grounds, and we have been left to eat the $ XXXX charge.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

**Affidavit of truth ** XXXX shared my PRIVATE CONSUMER INFORMATION WITH A 3rd PARTY COLLECTION COMPANY WITHOUT MY SIGNED AUTHORIZATION OR CONSENT. ALL PAYMENT HISTORY AND TRANSACTIONS SHALL all be EXLCUDED from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). Im demandin that you delete these UNAUTHORIZED Transactions from ma CONSUMER REPORT immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Cease and desist all attempts to collect and all involvement with XXXX XXXX XXXX XXXX. 

Under penalty of perjury ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I ordered {$150.00} worth of XXXX XXXX from Bank of America, my bank, and specifically asked for big bills but instead they sent me only XXXX XXXX XXXX XXXXXXXX  which is not only very dangerous to carry big stack of low value money but also very impractical. When I called the bank of America XXXX XXXX to ask them to replace it, they hung up on me. Now I am stuck with a stack of money I can not even use
Consumer complaint received 2020-02-14
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. (PA)

I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX  / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX  account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It's my understanding that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts seem inaccurate, and it's unsettling for me.
Consumer complaint received 2024-03-07
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. (TX)

I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was never late for or knew about. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late if proof cant be provided I DEMAND these payments be updated to Paid as agreed on time or deleted as they should be due to the fact I never was late or knew about this loan. The information inaccurate and reducing my ability to buy a home, car & ETC, I need to provide good and stability for my family and this is stopping me. I would want this account DELETED or Updated To CURRENT/Paid as agreed on time Please see XXXX attached Send updated report to XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2023-03-05
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. (TX)

My name is 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.