davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on FSTPROGRESS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-09-17
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: CL Holdings LLC (IL)

To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

One main Financial mailed us a flier saying we are prequalified for a personal unsecured loan I applied last week online and approved for the loan after submitting all the documents such as Tax return ID, bank statements etc. The locallocation manager requested me to come to her office and bring the titale of our prius car so they can give us {$20000.00} and lower interest rate. She called several times and said please bring the car title and drivers licence. 
I requested do not ask me to come if I can not get the loan, she said everything is reviewed and loan is ready to be deposited into our checking account. First i went annd then my wife. 
Nect day morning she called and told me something about our income qualification, not sure what it is. 

Me and my wife both had to leave the job to go to her and we each lost {$280.00}. The manager at the location could be a XXXX woman and denied us the loan. Am seeking compensation of {$560.00} for both of us for making us loose our paayment. I called their corporate office and they said someone will caa me back, never heard from them again.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXXXXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Consumer complaint received 2023-03-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX 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 All has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-09
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-01-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation
Consumer complaint received 2023-03-06
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. (MS)

My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, TransUnion, XXXX, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2023-03-06
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. (MD)

I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

In addition,15 U.S. Code 1681s2 states that the 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. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Bridgecrest Acceptance Corporation (FL)

Ive spoke with this company XXXX. I paid off my car on XX/XX/2021. I over paid by XXXX and some change. I called them made them aware they said I needed to wait XXXX business days for payment to clear. On XXXX XXXX I called customer service said they spoke with the accounting and that I will receive the check by before the end of XXXX. Its now XX/XX/2021. I called and my refund payment is still pending approval from a XXXX and I get told to call back on XX/XX/2021. The first time I spoke with someone they said it would only be XXXX weeks XXXX.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation (CA)

On XXXX XXXX, I settled and paid XXXX XXXX XXXX in the amount of {$5400.00} to the creditors Driveway financial. XX/XX/XXXX, the account was closed per conversation with XXXX XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX i spoke with driveway financial to discuss inaccuracies of this account being reported on my credit report. Driveway acknowledges that it was inaccurate, however, they are not willing to delete the information as promised. They sold the car that was repossed and did not enclose the amount the car was sold for, for me to pay the difference. instead they refused to provide the information of how much the car was sold for. With this company is so much inaccurate information and false information, I need them deleted off my credit report.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.Equifax, XXXX, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

Thank You
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle which was financed through Santander. That vehicle was totaled in an auto Accidnet. I had gap coverage and everything was paid in full but Santander kept adding fees and additional charges stating that I owe them money. This was covered when the vehicle was totaled in 2015 and they still report this unpaid to the credit bureaus.
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (SC)

I received a call from regional acceptance on XX/XX/2021 around XXXX. The rep didn't not verify my identity, make and model of auto, she didn't let me know that the call was being recorded.I asked her to cease and desist from calling me 3 times because she refuse to argue with me and tell me how bad my pay history. She continued to talk over me and when I told her that is what she was doing she told me I am not talking over you we are just talking at the same time with no remorse. All so the call disclosure was not given she violated the FDCPA in so many ways.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

There is a company name XXXX  which provides tv services and internet services on the XXXX XXXX i live in Arizona and have lived there for XXXX  years. My internet and TV provider is XXXX. I advissd Chase Bank on several occasions that i did not authorize any transactions to XXXX. Their reply was that the transactions went through months ago. I tried to dispute all charges to them but was told that i can only dispute 3 months in which I did and after trying my hardest to get all charges reversed to no avail Ive become fed up and frustrated at this point. I have even paid {$30.00} to place a stop payment with this company. I also called XXXX and they agree they have no business with me. I am beyond frustrated and need resolution immediately. I am a truck driver and had almost a a {$100000.00} in the bank so some transactions may have gone unnoticed. Please help me I am beyond livid and as soon as i can i will close this Chase account and never do business with them again
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Company closed my account after I filed a complaint with this agency for discrimination. Company refused to notify priopr to clsing my account. Compnay took over XXXX from me and can not account for it. Company did this for filing the complaint and against the terms.Company alos took my SSA disability payment and rfused to release any of it to me. Company says I have an open account but refuses any deposits or withdrwals.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America i made a cash advance withdrawal in XXXX or XXXX ( i am not exactly sure of the date but it is on record with the bank ) and the bank has been charging me for the cash advance to this very day i asked a bank rep. when would the cash advance payment stop being charged to my credit card and was told when my credit card is fully payed off the cash advance payment was only for {$400.00} i believe if my recollection is right and also several times i have overpaid my credit card so that i could use it to pay for items.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (VA)

On or about XX/XX/2021 AMEX Serve was sent {$1400.00} from the 3rd round of stimulus payments on my behalf from the IRS, however no correspondence was ever sent to me directly, thus allowing me to activate the card. It has taken a few months to track down the correct information and several attempts have been made to Serve but the customer service is very subpar compared to the normal customer service that other more prominent AMEX products gleefully enjoy daily. I have filed my trace with the IRS and hope to get resolution with 4 to 6 weeks it that. AMEX does have a fraud department but from my current research there isn't such department for Serve products. The call tree is useless in trying to reach a live person and when I finally did it was mostly foreign accented individuals that eventually disconnected the call or didn't have the correct information or unwilling to offer adequate assistance in resolving my issue. The account information given to me by the IRS was verified with someone at the Utah location and a second phone call was attempted to confirm that if the trace paperwork was received. No confirmation to date had been verified. AMEX must raise the standard for customer to reach a live dedicated team to handle these types of issues with fraud with Serve products especially with the raise in fraud cases and the ease of compromising the information and delivery of a card to taxpayers.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and no complete proof of payment history was provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Recently on the news Bank of America was overcharging for fees and over drawn accounts. I have had a checking account with Bank of America for over 5 years and it was a big problem up until a year ago. I want to be able to be compensated for the money that was taken out of my account and used in their company. I want to file a class action lawsuit and get my money back that I earned by working.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NC)

It has been more than 30 days since I mailed out letters about unknown things on my credit report to the bureaus. Up until now I still got those unknown things on my credit report, they did not do anything about my complaint. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I want you to know that I have been mailing out letters to the credit bureaus about inaccurate information I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. Section 611 ( a ), clearly indicated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated above. I can't tell you how stressful this has been to me and I urge you to PLEASE assist me and resolve this once and for all. Thank you