davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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. (MI)

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

The individual initially reached out to me through a random comment on a post I made on XX/XX/2021 through XXXX, there was a conversation how she was a XXXX XXXX looking to spoil a XXXX XXXX and enticed an initial payment for {$4000.00}, followed with a {$200.00} weekly allowance. It started off with small payments of under {$100.00}, two payments. Then the amount grew to {$450.00} and eventually {$950.00}. I stopped at {$450.00} as soon as I caught on. it started with XXXX fees, then attorney fees, then the account manager. I paid {$450.00} to them through XXXX using the Chase website. On XX/XX/2021, I have tried calling Chase to dispute the money transfer and transaction but the representatives over the phone were rude and did not help at all.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I went into Bank of America at XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) this morning-XX/XX/XXXX, all I wanted to do is Deposit {$1600.00} and cash a check for {$500.00}. I was told my account was closed out on a holding ( With a balance of $ XXXX ). I was in shock. I asked why and got no answers. The manager ( XXXX XXXX ) made a phone call to someone who did not tell me his name and brought up my wife 's name with letters where he told me he had written me which I denied I EVER received any such correspondence. Since I was not getting anywhere, I left Pretty XXXX Mad the way I was being treated. I have been a loyal customer since XXXX when I was first in the XXXX. I am a XXXX member of which I do not understand and do not care. I have seen called the dispute and Fraud department of Bank of America to try and find what is going on to " NO AVAIL!! '' They placed some computer correspondence on my account to where I may go to another Bank. I am still Mad about the way I was treated and may want to close my account on the way it was handled where I could not access my checking account-It 's my account not theirs and no one can tell me why it was closed with my balance of {$60000.00} plus dollars!!
Consumer complaint received 2023-03-09
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. (TX)

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today to request to delete the fraudulent accounts and information that I foudn not belonging to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of the accounts and information that I need you to delete from my Crediet File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act section 605, please remove the disputed accounts and information completely from my Credit File.
Consumer complaint received 2021-03-23
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. (OR)

Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXXdue to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-07-29
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: AMERICAN EXPRESS COMPANY (CA)

I received advertising from American Express Credit card services, advertising perks, such as airline miles and FREE BAGS or up to 8 people in my party .... if I opened, or upgraded a card, and purchased a flight with that card. I did everything they asked : I upgraded my AMEX card, and was charged a pro-rated membership fee of {$26.00} ( from XXXX to XX/XX/2021 ) to do so. And paid that. And then purchased the tickets to fly from XXXX to XXXX with that card. And all passengers were on the same flight/manifest. Yet, when we went to check in for our flight, the booking agent said the ticket did not allow for free bags. Huh? So we paid for the bags ( using the AMEX DELTA card ) was were charged {$30.00} per bag. We had two bags, so total of {$60.00}. I figured that AMEX would see the error and credit us immediately. Instead, they refused to do so, and insisted that the only way to get he credit was to file a dispute with Delta XXXX. So now, we have paid {$26.00} for upgraded membership ( for the perks ) that we did not receive!. Plus {$60.00} for the bags ( for a total of {$86.00} ). I have tried to work with AMEX and spoken to several customer service reps and supervisors. I am astounded that they all insist that they can not reverse the charges, and that we have to re-open a dispute with Delta. Delta insists that these were excess bags ( even though they were neither too large, overweight, or a second bag ). Since Delta charged the bags as " excess '' ( even though this was incorrect ; these were the first bags, not excess bags ), they denied the dispute and Amex insists that we have to pay for the bags. And they will not refund the membership fee that I paid either, even though we never got the " perks " of membership that we expected ( free bags that I was promised ). Now they are charging me another {$99.00} to continue as a member. This is just wrong. If a customer has to fight hard to get a perk they expected to get for signing on for the card, then it is not worth it. Classic case of bait and switch. How many other people are they doing this to who just pay and don't complain, I wonder?
Consumer complaint received 2021-07-29
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. (NJ)

There has been unauthorized inquiries on my report and it has surpassed 90 days without a response about the complaint. I demand these accounts be deleted immediately or I will file for litigation. These items must be removed immediately.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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 have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, Equifax, and XXXX, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped XXXX points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove hard inquiries XXXX XXXX XXXX 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 2021-07-29
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. (FL)

I have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, XXXX, and Transunion, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped 3 points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

Account was opened in my name and was used for fraudulent activitiy Wells Fargo Account : XXXX XXXX : XX/XX/21 XXXX unpaid Wrong drivers license, wrong email, and phone numbers All files uploaded are from my consumer report
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have talked to them several times about removing the false debt from my report, this debt is hurting my chance to purchase a house. The account was used by someone else and not me, and their conclusion was that i was the person using the card and that it wasn't fraud.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.
Consumer complaint received 2021-07-29
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. (AZ)

On XX/XX/XXXX, I asked XXXX, Transunion, and XXXX  to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2020 and several dates before this. XXXX is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my AMEX erroneously shows XXXX. The score should be around XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MS)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2021-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I kept getting 5 calls throughout the day everyday from this collection. I kept telling them i never ever received a letter from them charging me anything. They said bill was from 2016. To stop the harassment i paid the amount they requested. They told me that they would send a letter stating i paid. I never received anything. This is affecting my credit bad and I paid this account
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/2021 I entered the Bank to close my account. The girl at the desk said she would help. So as she's talking to me she keeps asking me if I'd like to speak with a banker. I said no, I simply want to close my bank account. She asked why, I told her, So she kept trying to ask me financial questions. Are you looking to buy a home? What are your financial goals. Again, I told her JUST CLOSE MY ACCOUNT. After 15 minutes of probing questions she finally closed my account.

I find out later that day by XXXX  that she did a credit inquiry without my consent. I went back to the bank to get her information.

It was completely deceptive to run my credit without my consent. ALL I asked her to do was close my account which only takes 2 minutes.
Consumer complaint received 2021-07-29
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: American Credit Acceptance, LLC (CA)

Over the course of the 8 months of having a car loan through American Credit Acceptance, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because ACA then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX  shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (IN)

Back before memorial weekend of 2021, I had a lease and purchased my vehicle through academy keep in XXXX. I then traded that vehicle for a different car. The lease/ loan company Ally financial messed up the paperwork on the whole deal. I have contacted both the financial company and the dealership from that time till now on and off. Some progress was made and the lease was closed out but since the payoff is was applied to that account it was refunded back to the dealership. Now I have talked to the dealership and they tell me that the financial company is behind but they have not received the pay off money back from the dealership after the refund so they cant process anything. So now at this point I am just waiting for the dealership to send the payoff back for my loan. I keep getting calls from the financial company saying I owe for the loan and getting late charges as well. This is frustrating especially when I dont even own the van anymore and the dealership doesnt either cuz they have already sold the van that I traded in and the loan is for.