davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I tried to get XXXX XXXX to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them inXX/XX/XXXX and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

I filed a dispute, case number XXXX on unauthorized transactions that were not made by me nor did I give permission for anyone else to make the transactions. This dispute was in regards to the following transactions : XX/XX/2023 @ XXXX XXXX  for {$750.00} XX/XX/2023 @ XXXX XXXX  for {$120.00} XX/XX/2023 @ XXXX XXXX  for {$300.00} I previously tried to file this dispute however I was unable to through the automated system and was directed to contact customer support. However at that time cash app had an outage and was not working properly and as a result the original dispute did not go through. Upon contacting support and speaking with a representative I explained what had taken place in detail and was assured by the representative that they would work diligently to get me my money back. I explained that the transactions in questions were completed by someone I work closely with and who had access to my phone. I did not authorize the use of my phone to anyone nor did I authorize anyone to make the transactions in question nor did I make the transactions. Essentially what had happened was that this person gained access to my account and sent unauthorized payments to himself from my account. Rather than doing the right thing and return my money as promised Cash app denied my dispute in less than 24 hours stating that they found no errors in the transactions and they have as a result denied my claim. {$1400.00} was stolen from me and they just denied it saying they believed it was authorized. I explained to Cash app that under no circumstances were this transactions authorized by me but they simply don't care. I am supposed to be protected from theft and unauthorized transactions but I have now been victimized by both the person who gained access to my account and cash app. I took steps to secure my account and it still made no difference. I need my money back as I am a victim of fraud and theft. Please help me rectify this situation and get my money back.
Consumer complaint received 2022-08-27
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. (TX)

My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting Act I have the right as a consumer to dispute and remove any unauthorized inquiry or account that have been found on my credit report. Please remove all the inaccurate/fraudulent inquiries I have listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 hand written instructions. 1681 Section 604 A Section 3 states I have the right to recoup fines up to {$1000.00} per violation against Equifax.
Consumer complaint received 2022-08-27
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. (KY)

Hello, I had an auto loan from XXXX XXXX XXXX. I personally believe that I paid the loan off but they kept adding money towards the end. I finally filed Bankruptcy and they charged it off. However they kept adding money to the chargeoff account as if it were a current open account and they are reporting that I was late several months on my report that should be deleted from my credit reports. I have tried to contact XXXX more than five times and they have not responded to me or the XXXX. I would like to rectify this matter.
Consumer complaint received 2020-09-24
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. (MA)

The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with XXXX. but my credit score went down 19 points from a good to an average score. My Equifax score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (SC)

As online pay is the normal paying option for consumers in America, there is a problem with me paying {$7.00} every time I make a payment on my vehicle. I have a problem with this as well as my interest rates which exceed 18 %. I believe there is a law in South Carolina that my rate should not be above % 8.75. The finance company is overflowing me with charges.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

American Express extralegally closed my checking account and globally reduced my credit limits for no valid reason in violation of my credit agreements with them. 
When questioned a Customer Service employee cited " something we found in your credit '' No deragatory information was found in any of the four credit bureaus and no deragatory information was found in XXXX XXXX. 

Additionally, I have never been late in my 19 year history with American Express. 

I provided income information and it was ignored and I can not reopen a business or personal checking account with American Express. 

The only remedy is the restoration of my account and reversal of any adverse action namely the XXXX point loss caused by the cut in my credit limits abd the resulting increased ratio of debt to available credit. 
I am requesting that a letter of apology on American Express letterhead be generated stating that they have reversed the reduction of my credit limits globally thereby restoring my debt ratio to pre damage standards.
Consumer complaint received 2024-02-08
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX 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 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Location Services Holdings, LLC (CO)

I went through auto approve to buy out my current lease which they got approved through XXXX XXXX XXXX, the money was sent to XXXX XXXX and the account was paid. I was later contacted by auto approve that Colorado state law doesnt allow them to pay off a lease directly and needs to be done through the dealership which they claimed they did not know. They then told me they were canceling the financing after it had been completed for 2 months. I had already made a payment of {$570.00} dollars to XXXX before they cancelled the financing because I did not know they were going to cancel the financing until I had already paid. I have auto approve how to get my payment back as well as XXXX and have not got any answer back after several attempts. I should not have to pay for a loan that I received nothing from and was cancelled by them and not me. All I want is my money back and be done with them.
Consumer complaint received 2022-07-11
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (IL)

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is NAVIENT balance {$2700.00} account # XXXX 90 days late on XXXX XXXX, 120 days on XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 90 days in XXXX XXXX, 120 days on XX/XX/XXXX, XXXX XXXX 150 days on XXXX XXXX 120 days on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  180 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX, and XX/XX/XXXX.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.
Consumer complaint received 2020-09-24
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)

Experian reported an at fault accident to XXXX XXXX. And that made my car insurance go up, and now I have 4 points on my XXXX. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call XXXX XXXX they are telling me that they cant do anything about it because Experian reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.
Consumer complaint received 2019-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. CAPITAL ONE AUTO FINANCE WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/XXXX OF 2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM CAPITAL ONE AUTO FINANCE. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO XXXX XXXX AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM CAPITAL ONE AUTO FINANCE THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY XXXX XXXX CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED CAPITAL ONE AUTO FINANCE ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO XXXX XXXX THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING CAPITAL ONE AUTO FINANCE TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT CAPITAL ONE AUTO FINANCE JOB IS TO CONTACT XXXX XXXX TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND CAPITAL ONE AUTO FINANCE HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH
Consumer complaint received 2020-02-05
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. (NC)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX - Account : XXXX* Creditor : ( BLANK ) - Account : XXXX**** Creditor : XXXX XXXX XXXX Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Told cashapp I transferred money for an apartment and was not given keys after money was transferred to the person i was told they could do nothing about it i was told to request the money from the fraudulent person which of course I didnt get back
Consumer complaint received 2023-09-20
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. (CO)

Equifax has continued to leave an account on my credit report that is the result of fraud and identity theft. I have sent in the required FTC report for the theft. I also am now including a letter from the company that states they have no verification that this account is mine, and that they also request Equifax to remove the information. However, Equifax still hasn't removed it, violating the FCRA. 
Sometimes Equifax claims it's a XXXX XXXX XXXX XXXX  account instead of XXXX XXXX, but none of those belong to me.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, Chase Bank closed all of my personal credit cards and also informed me they will be shutting all of my personal bank accounts on XX/XX/XXXX. I have been a Chase customer for over 25 years and have never been delinquent on any loan and have always maintained all of my accounts in good standing. This decision caught me completely off guard and to make matters worse, when i called Chase and asked them why they are doing this to me, they refused to give me a reason other than " its a bank decision ''. This is no way to treat a customer and it has created a tremendous burden on me and my family. My credit score has also been affected because of my credit cards being shut down.
Consumer complaint received 2021-08-16
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: REGIONS FINANCIAL CORPORATION (CO)

In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my XXXX  credit report. The inquires were made with Regions Bank, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither Regions Bank, nor XXXX  seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.
Consumer complaint received 2023-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Our business has a longstanding relationship with American Express and we run millions of dollars worth of business through them. For many years I have purchased XXXX XXXX {$50.00} pre-paid gift cards to give to employees as gifts. I usually buy $ XXXX worth at a time. They come in individual sealed envelopes and we give them as gifts in these envelopes. This year we had a number of people tell us that, when they went to use the cards, they had already been used. I can't imagine how many other people were too embarrassed to even tell us they had this problem. After extensive phone conversations with XXXX XXXX it was obvious that they would not rectify the situation. I explained that their computer system must have been compromised as these cards were never out of the envelope before they were gifted. They told me that I should get the cards back from the people and contact the stores where the cards had been fraudulently used. I was incredulous that this was their response. I stated that I wasn't even going to ask them to cover the cost I incurred by having to pay these people with cash when their cards failed to work. All I want them to do is take back the unused cards we have and replace them with new ones that work. They said they would not be willing to do that and would not refer me to anyone else in the company to appeal this decision. They could not have been less interested in our problem. Looking online it is apparent that many others have experienced the same problem.
Consumer complaint received 2021-08-16
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: Bread Financial Holdings, Inc. (TX)

According to my credit report with XXXX  the amount I owed XXXX/COMENITY/XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

The Credit report is Equifax. When I check one of my credit score and I realized that One of Equifax that they put mistake background of resident/address. The address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I never been living in CA. I been living in XXXX, XXXX and XXXX  that's all Not CA. so I tried to online at Equifax but It is failed because saying not match as 2 questions. I called them and explained it so they asked me 3 questions and one is correct and 2 that I don't realized but said it is not match of course because of wrong background.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (GA)

I was mailed my unemployment card. I used my card to withdrawal money on XX/XX/2020 at XXXX XXXX. I tried to use my card again to withdrawal money and it would not work.