davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Trying to get an ATM card for a checking account with Bank of America and being asked for an extortionate amount {$28000.00} for the privilege.  This can't be right can it???? 
See extract from their email ... 

This Social Security Code ( SSC ) would be legally processed and obtained from the XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX   here in USA, and they informed us today that the Social Security Code ( SSC ) that would back up your US your card would cost you the sum of US {$28000.00} only which would be processed by their Head Security department. We would apparently insert this code on your master card before we do commence with the legal and safe delivery of your card to XXXX for proper security purposes which is of your own most benefit and good. 


Do you wish to transfer this payment to our CFO 's ( XXXX XXXX XXXX bank account? or would you want to transfer the payment directly to the Federal Reserve bank where your code would be processed and obtained successfully? We await your urgent response with this payment asap for the delivery of your master card to commence effectively to XXXX this week for its great benefit towards the charitable institutions. XXXX XXXX XXXX CEO./President
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-09-28
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX bank sent in theft report and XXXX have not removed yet. 
XXXX XXXX is a result of fraudulent account and XXXX have not removed yet. 

XXXX  Bank is a result of fraudulent account and XXXX  have not removed yet. 

XXXX XXXX bank is result of fraudulent account and XXXX have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : 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.
Consumer complaint received 2022-05-31
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)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

XXXX XXXX- corrupt, incompetent. 

I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better. 
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired. 
Please help me with this. 
Thank you
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Equifax has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-29
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. (GA)

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc. (TX)

On the XX/XX/year> me and my wife were sold a new car in which the contract was signed and we left with the vehicle. On or about XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX called and said we have to return the vehicle because the deal did not go through with XXXX  XXXX and that they'd need an additional {$7000.00} on top of the {$4000.00} we'd already put down in order for the deal to get done. I told him that would not happen, and that we would not be returning anything because we already had a signed contract. he stated he'd lose too much money if he did the deal with XXXX XXXX and I told him to drop the XXXX and he stated that if we did not get the XXXX  he would not sell us the vehicle.I also told him that we Initially offered {$1500.00} as a down payment and that they said they presented that to XXXX  XXXX and that XXXX XXXX said that they needed either XXXX or XXXX in order to get the deal done and that if I meet those terms his employee said they'd throw in the XXXX Insurance for free. I told them I'd do XXXX as my XXXX. He left and when he returned he congratulated us and said the deal was done and as soon as we get insurance we were good to go. we paid the down payment of {$4000.00} and got insurance, my wife signed the documents and we left with the vehicle. XXXX asked us a day or XXXX later to come back to Texas because he'd gotten Finance on the same term and at the same rate. We returned and electronically signed some documents. We just learned that Pages were missing from the Original Contract and that XXXX XXXX acting as an Agent for Consumer Portfolio Services FORGED me and my wife SIGNATURE on the document agreeing to Purchase XXXX. I presented this to CPS Consumer Portfolio Services and they said it had to have Happened at the dealership. I told them that the dealership was representing CPS. CPS told me to file a police report and that we'd go from their. I went to the dealership and the Finance Manager told me that if they'd wanted to they could've just kept my down payment and took the car. I even showed the finance Manager the forged Documents and he said that maybe we signed them later and I pointed out that they were Time and Date stamped by the Computer so that is impossible for us to had signed them later. Someone forged our Signature.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. Transunion, XXXX, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

TransUnion Commission file number XXXX XXXX XXXX Commission File Number XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (NY)

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.
Consumer complaint received 2022-05-31
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. (NY)

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, my card information was used at an atm and two transactions of XXXX XXXX dollars was taken out without my consent. I was nowhere near this atm, so they where fraudulent charges. I locked my card right away and called costumer support for the charges, in which I filed a report. They stated I had to wait until the charges were posted to file a dispute. They settled XX/XX/XXXX and I called right away and filed the dispute. They denied my dispute claiming that it was not an unauthorized charge. I then sent evidence of the time and place where I was on the moment of the fraudulent charges, to reopen my dispute. They still deny it even with provided evidence.
Consumer complaint received 2022-05-31
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. (IN)

XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit report
Consumer complaint received 2022-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (DC)

Im filing a compliant because I been reaching out to the credit bureaus for contract of the Debt and Receipts and no one have reach out at all I sent a letter XX/XX/2022 and also In XXXX I have paper work but it obtains my information as of my social security number
Consumer complaint received 2022-05-31
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. (PA)

in accordance with the Fair Credit Reporting act XXXX Account number, # # # # # # XXXX account name XXXX XXXX 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 2017-07-29
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: Experian Information Solutions Inc. (GA)

On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We deposited a check Thursday and it was cleared Friday, however the fund was charged back next Monday for " XXXX  ''. Our knowledge is if the check was XXXX, it should not be cleared Friday. The bank 's misconduct caused us big loss.
Consumer complaint received 2022-05-31
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. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (TN)

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on 2004, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from XXXX date XX/XX/2022 asking me for the same information that I sent in.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (MO)

Got an email from this fraudulent company and you can clearly see this is a scam saying that my XXXX account doesn't show XXXX and experian says there website doesn't show my XXXX card SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J