davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : NXXXX XXXXC XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries that were placed without any of my consent. I am a natural person. I have attached FTC Report. The company is violation of the consumer law. I need to be deleted from my consumer report immediately.
Consumer complaint received 2022-10-10
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. (MA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, ACCOUNT # XXXX XXXX. 


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 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On On XX/XX/21 they said they were delivering. XX/XX/21 I received a message stating they cancelled my order. ( against store policy ) only I can cancel. The amount of the 3 items that they were refunding was not correct. XXXX, XXXX, and XXXX - They said they were refunding XXXX this is wrong. After XXXX calls to Walmart, XXXX who delivers to customers could not give me a viable reason. I contacted my credit card company and it was not refunded. Some of my calls were XX/XX/21 and today XX/XX/21 to no avail.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA (MI)

On XX/XX/XXXX, I paid-off my loan ( XXXX ) on my XXXX XXXX XXXX boat ; the balance was XXXX, which was debited from my Credit Union checking account on XX/XX/XXXX. The loan was through Yamaha Motor Finance Corporations, U.S.A ( aka XXXX XXXX  XXXX ). I contacted their customer service and was told I would receive an email releasing the loan by XX/XX/XXXX. Based on their representation of timeliness, I arranged to sell my boat for XXXX}. When I later inquired as to when I could expect the loan-release email, I was essentially told that the customer service rep was wrong, and that I should expect 15 business days. I contacted customer service several more times and was told about the same. Finally escalated my call to a floor supervisor ( XXXX ) who was unhelpful, other that to say their process requires a computer generated letter. XXXX referred me to their title department ( XXXX ) who also was either unable or unwilling to assist, saying he could be fired if he didn't follow their procedure. Note that it was acknowledged by Yamaha that my loan was indeed paid-off and my account closed. The only reason given for not issuing a loan pay-off and releasing my title was a vague reference to problems that had in the past with fraudsters who tried to cancel the pay-off, so the essentially lumped me in with felonious criminals! I understand that this is a well-known problem with Yamaha, so how related to a recent transition of their financing from XXXX XXXX to themselves. Needless to say, their delay has made me unable to close the sale of my boat.
Consumer complaint received 2021-03-10
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: DISCOVER BANK (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) 1XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX # 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.
Consumer complaint received 2021-10-28
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. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TN)

Cash App Unable to withdraw my money. 
Historically, Cash App wanted you to use Debit Card to move money between the App and User financial institution. I never had a debit card and have been unable to get my money from this service as it will not transfer to my Credit Union.

I eventually requested a Debit Card just for the purchase of getting my money out of Cash App ; now when I go to use this service " Cash Out '' - I am unable to request this means and now they only want to use a 3rd Party Service ( XXXX  ) to link my bank account. I am not interested in sharing my financial institution with XXXX or any other Company I am not familiar with. I have had a XXXX account open for 20 years, no problems. XXXX also easy to use. I only used Cash App to collect from a Customer that requested. I have been able to send money to another Cash user, but have never been able to get my money out of this account and close!! Tried Customer support again yesterday XX/XX/2022, but all they do is tell me to enter Bank Routing Information ( which will go through another company XXXX ). Why cant they mail me a Check or use the Debit Card Information as instructed to me when I opened the account?? 

Please help!!
Consumer complaint received 2022-02-04
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: JPMORGAN CHASE & CO. (OK)

An unauthorized hard inquiry showed up on my credit report on XXXX from JP Morgan Chase Credit Cards. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted JP Morgan and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I, XXXX XXXX, just got off the phone with a rep from Santander Consumer USA who told me his name was XXXX and ID number XXXX dated on XX/XX/XXXX at XXXX est. 

I called to rescind to my contact because I dont agree with the terms, and I also mentioned that I want my car back because it was repossessed back in XX/XX/XXXX I didnt know how to go about getting my car back until XX/XX/XXXX after doing research on the law. 

However, XXXX told me XXXX cant get my car back and that it was Sold to the auction. 
So I asked for PROOF of documentation for everything that he is stating and telling me because this can be a complete LIE ( which I believe. ) however, XXXX said by Monday which is XX/XX/XXXX the receipt of the bill of sale would be sent out. So I made it clear, YOU ARE SENDING OUT THE RECEIPT OF THE BILL OF SALE RIGHT? He said well, I will send it out by Monday, but whenever you get it woul be up to the postal. 

I said ok, cool. 

Then I tell him, with all of that being said, SANTANDER CONSUMER USA is reporting to the CRAs ( Credit Reporting Agencies ) that the account is Charged Off which will require a XXXX form from the IRS, because a Charge off is stated as income.. he tried to confuse me a little bit and play me as if I dont know what Im talking about and goes to talking about something about that comes from a settlement and I well in that case I didnt benefit anything or whatever you are referring and simply and politely demanded to get my copy of the XXXX form. 

So he goes and say I will get that over to you as well.. and then I said you know what? You can just email it to me.. and then stop and got quiet and said he cant do that ( LOL ) Moral of the story these CROOKS know they screwed me over and not to mention on the phone call he was basically blaming everything on the dealership where I got the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX and the car which is a XXXX XXXX I am demanding all my good back plus interest and for all the the violations YOU XXXX  CROOKS WILL PAY FOR ALL THE UNFAIR BUSINESS YOU ARE ALL DOING TO ME!!! CFPB LOOK INTO THESE CROOKED XXXX COMPANY SANTANDER CONSUMER USA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CT)

Entered an agreement that required set amount of payments, XXXX a month for three months. I rounded it off to XXXX, but now Im being harassed for a higher payment. They have abandoned original agreement as if it never existed.
Consumer complaint received 2024-05-31
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: AR Resources, Inc. (AL)

Im in the process of buying a home and I realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report it is defamation to my character.
Consumer complaint received 2022-02-25
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I called Truist on XXXX 23,2022, XX/XX/ 2022, and XX/XX/ 2022 about my overdraft fees that were not refunded to me and my debit card doesnt work anywhere. None of the representatives were able to help me and several hung up on me. I waited more than 2 hours on hold. This is unacceptable
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Paypal Holdings, Inc (MA)

I want to report that PayPal is withholding 1099 forms and requiring debts to be paid off before releasing. I contacted them on the phone and was refused to be provided this form and was transferred to the collections department. I was forced to pay the debt and I still don't have the form.
Consumer complaint received 2022-02-25
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. (CA)

In Accordance to the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX and XXXX violated my rights on Transunion and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Also this is being illegally reported because on both accounts they are reporting a XXXX day late payment on XX/XX/2019 when they both also reported i paid on time XXXX XXXX there is no way i can pay on time XXXX month and then be XXXX days late the very next month it makes no sense. this is causing stress and mental health problems as these inaccuracies are preventing me from obtaining credit
Consumer complaint received 2021-10-28
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: CLGF Holdco 1, LLC (MA)

XX/XX/2021 Milestone card expired. Contacted to inquire on when to receive new card. Was informed 2-3 weeks. Contacted XX/XX/2021 informed I had to request another card and to expect XX/XX/2021. Late fee placed on account that I can not access but am receiving late notices via email. Contacted to make payment and informed calling would require processing fee. 

Milestone has not provided replacement card for two months. Can not make payment online because they have blocked access. I am being required to pay a fee by calling in. Reporting late fee on credit profile when I have been attempting to obtain card and maintain payments.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Notice to agent is notice to principal This notice is to inform you of your gross negligence regarding the below nefarious account. XXXX XXXX XXXX XXXX # # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The account was deleted in XXXX of XXXX. Then reinserted in XXXX. Blatantly violated the law which states, If an item as erased and is reinserted afterwards, the CRA is required to send you written notice of the reinsertion within 5 business days.

Secondly, the above data furnisher has repeatedly failed to validate the accusation of this debt. I requested validation of this debt through the CFPB portal on XX/XX/XXXX Complaint number XXXX And I have not yet received the items I requested. 
I received an interim response that read, the company will follow up within 60 days. Which is not satisfactory.

Under the Fair Credit Reporting Act ( FCRA ), Credit reporting agencies generally have 30 days to investigate the disputed item and remove any items proven to be inaccurate.

Your Consumer reporting agency has exceeded that lawful timeframe. 
The reporting of this incorrect information has caused severe damage to my character, my reputation, my general means of living and my ability to obtain credit for personal, business and household purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In conclusion, the reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 and the responsibility the assumed as a furnisher of information.

Consider this an opportunity to correct the mishaps and permanently remove the above erroneous account from my consumer report to avoid legal action.

By notifying you of my Notice of Understanding and Claim of Right, I have thereby notified all applicable agents.
Consumer complaint received 2024-03-08
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.