davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (VA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2022-05-23
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. (CA)

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (FL)

After paying US AUTO SALE {$400.00} a month since XX/XX/XXXX. The XXXX XXXX XXXX that was purchased for XXXX equal XXXX, XXXX. I would call the automated system to make the payment. The representative informed that it didn't include the insurance payment. After making a balloon insure payment of {$900.00} I was once again back on track. Asked the company for a pay off on the loan back in XXXX representative said that it was XXXX to pay off the car. I called back again in XXXX asked for a pay off on the same care it was XXXX. I have paid for this car twice and they still came an repossessed the car after I was supposed to be on an deferment. This is the most illegal company I have ever did business with. Please assist the car is still showing as an outstanding balance of XXXX on my credit report after vehicle was sold at auction. Monthly payment on credit report is XXXX which is not the terms agreed a pond and car report for loan listed at XXXX terms also not agreed a pond
Consumer complaint received 2018-09-25
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)

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to Equifax, XXXX XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed a fraudulent account. Please remove XXXX XXXX XXXX from my credit profile, I am not responsible for the alleged debt as I have no idea who this company is and I have never entered into any type of agreement with this company, this is fraud.
Consumer complaint received 2021-11-19
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: V and H Portfolio (TN)

Prior to my previous complaint XXXX submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing your companies correspondence as of XX/XX/2021, Im aware that one of the collection accounts [ XXXX ] is still appearing on my credit reports and yet still your companies agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ). So therefore the collection account information doesnt meet the Fair Credit Reporting Act requirements and you failed to comply with my debt validation request. For more further review, Ive attached additional information. Please read carefully and pay close attention this time.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2021. I have Bank of America 's New Spirit Airline Master Card. I am today, Unable to Set Auto-Pay or EBills XX/XX/2021. Their Bill Pay option on phone is NOT working for Automated balance payment. Their webpages are not working since long time. This is surely intentional slowing down or making webpages unresponsive to charge customer late fees and such. Even IVR on phone is set up intentionally that it takes frustration for customer and customer gives up so that BOFA can charge a late fees. Intentional attempt for making this process cumbersome.

Please investigate, as this is direct attack and malicious policy against American Consumers from a Bank.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

EQUIFAX IS NOT ALLOWING LENDERS TO VIEW MY CREDIT REPORT AND WE ARE BEING FINANCIALLY EFFECTED BY THIS AS XXXX ARE TRYING TO REFINANCE AND GET QUOTES! XXXX LENDERS STATED THEY CAN ONLY SEE MY XXXX REPORT BUT SOME REASON EQUIFAX IS NOT BEING ABLE TO BE RETRIEVED! 
I WENT INTO EQUIFAX.COM, UNDER MY ACCOUNT AND WHEN I CLICKED ON, '' VIEW CURRENT CREDIT REPORT '' IT DENIED ME GETTING IT AS WELL!! 
STATUS SAYS '' UNAVAILABLE, BLOCKED DUE TO " PROMOTIONAL PURPOSES!!!??? '' WE NEVER GAVE OR REQUESTED EQUIFAX TO PUT ANY BLOCK OR FREEZE!! 
THIS IS ILLEGAL TO WITHHOLD INFORMATION THAT CAN CAUSE FINANCIAL DEVASTATION TO OUR LIVES WHILE MORTGAGE PAYMENT COULD DRASTICALLY DROP IF WE CAN NOT GET REFINANCING IF THEY DO NOT RELEASE AND UNBLOCK IMMEDIATELY AND ALLOW LENDERS TO SEE MY EQUIFAX CREDIT REPORT, I WILL FILE A LAWSUIT AGAINST EQUIFAX!
Consumer complaint received 2021-11-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (CT)

Since XXXX of this year I have been going back and forth with credit acceptance about a XXXX XXXX car that I co-signed for my daughter which can not make the payments due to being incarcerated. The car had been in the pound since XXXX racking up to XXXX and still has not picked up the car but keeps putting all this interest on with the car sitting at the pound I call every day and ask for a suo and they say one will call me back and none had called me yet. They have not went and picked up there car but they call me 3 times a day for a payment. What do I do from here?
Consumer complaint received 2022-05-23
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. (LA)

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX Account # XXXX and US Dept of EDU 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 a account without my written instructions
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NC)

I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay.

I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity. 

The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true. 

After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable. 

Now, for the past XXXX  months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified. 

The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.
Consumer complaint received 2022-05-23
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2021-11-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CO)

After informing IQ International to stop calling until we here back from the CFPB, the representative advised that we are refusing to pay and she is going to report us for refusing to pay. She is still calling multiple times a day after we explained we do not wish to talk to her, and we have already filed a complaint. She is still being unprofessional and making threats. We are submitting a second complaint due to harassment.
Consumer complaint received 2021-11-19
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. (DE)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THIS ACCOUNT that still reporting on my account : XXXX XXXX  XXXX XXXX //LATE close - Balance $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2024-02-17
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-23
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. (IL)

My Information was ran by these companies without written consent. I have listed the companies below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2021 I was unfortunately involved in a scam by making a purchase for an item through XXXX. I had chosen to use XXXX though my Chase Bank account and attempted to send {$600.00} to the individual who was a registered user of XXXX. The XXXX XXXX department flagged the transaction and the status was XXXX XXXX. Within XXXX minutes, I saw another post warning people of the scam for the item. I immediately called XXXX and requested for them to not authorize the transaction, I spoke with the XXXX XXXX department and they said they will cancel the transaction. I was assured through XXXX people at XXXX that my transaction would not go through. About XXXX minutes later, I received a notification through the app that the payment had been delivered and the {$600.00} was deducted from my account. 

I immediately called XXXX to find out why the transaction was processed and I was told you authorized the transaction. I explained to them that I discovered it was a scam and requested that the transaction be canceled. Again, they repeated that I authorized the transaction and that XXXX should only be made to family/friends. XXXX said they would open a claim with XXXX, but when I received a secure message from XXXX on XX/XX/2021 that my claim was closed, I called them and asked about it. They again stated that since I authorized the transaction, there was nothing else they could do about recovering the funds. 

I am highly disappointed in XXXX and their so-called fraud department because even though THEY flagged the transaction as suspicious and it required further review, they allowed the transaction to process anyways. 

There is XXXX protection against getting scammed online, but I figured an app that was a part of most big banks, there would be some sort protection for its users who now do most of their transactions online. 

It just makes me sick that in the world of online transactions, there is nothing that the banks are willing to do in order to support their customers who trust them to hold their hard earned money with them.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (LA)

I've been dealing with PayPal since I think XXXX or XXXX, I am not receiving the money that was promised to me it's been four or five years I've been dealing with situation I want my money that was issued or promised to me .. can y'all resolve this matter.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX, I received a bill stating I was late on a payment and was charged a late fee and interest. I went to check my account and noticed the bill due alert had been removed without notice and can no longer be applied. 

XX/XX/XXXX late fee applied XX/XX/XXXX I submitted a payment for the amount on the bill, {$13.00}. 

XX/XX/XXXX a {$2.00} interest fee was charged XX/XX/XXXX late fee and interest charge reversed after contacting support and pointing out they removed the very alert they were telling me to use. 

At this point, the balance on the card is {$0.00}. 

XXXX I receive a bill stating I owe {$2.00} when I haven't used the card in a long time. 

XX/XX/XXXX a {$2.00} interest charge was applied I contacted support once more telling them I am being charged interest when my balance is {$0.00}. They responded by saying that is correct because I have a carry-over balance. Again, there is no balance as all charges are paid off. 

I replied to the response with proof of their fraud showing the statement proves a {$0.00} balance and they charged the fee in obvious retaliation.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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: LEXISNEXIS (PA)

My Lexis Nexis report indicates that XXXXXXXX XXXX ran an inquiry on my report, on XX/XX/2022. 

XXXXXXXX XXXX didn't have my permission to request a report.
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Apelles, LLC (CA)

Apelles LLC keeps calling my work a lady name XXXX continues to call on a daily basis asking for me i usually pick up the phone and when i talk to her i have asked her several times that this is my work number and to please not contact me here to call me on my cell phone number and she says that she can call as many times as she wants and she will continue to call today XX/XX/21 she called again and once again told her to stop calling my work number and she just laughed and said she will call me next week. i don't know what to do they continue to harrass and call my work.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the following names listed XXXX. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX