davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score.

Credit reporting agencies are run on impersonal algorithms. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every 24 hours.

My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change.

The impact of a credit score contributes to the livelihood of families acro

ss America. My credit score should be considerably higher yet, swims in the same pool for years now.
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.
Consumer complaint received 2022-02-20
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: Affirm Holdings, Inc (TX)

I have an account with Affirm and have a credit line amount that I can use for purchases. On yesterday XX/XX/22, I had a available credit line of {$490.00}. I was declined for a {$75.00} charge on XXXX. I always use the Affirm app to make purchases. I received an email from Affirm about an important notice about my loan. The notice stated that XXXX denied me for too many inquiries. There was no need for my credit to be pulled when I have an approve credit line.
Consumer complaint received 2022-02-20
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to XXXX and the payment was on time! This is fraud XXXX XXXX XXXX is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of XXXX deceitful business practices! Due to XXXX fraud of reporting my payments late my credit is ruined! My score will XXXX below XXXX and this false late payments information XXXX is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX XXXX reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (AZ)

On XX/XX/2021 a fraudulent transaction was posted on my credit card for {$140.00}. I did not make this transaction and my email and address information has been changed so I never received a statement. When I found out on XX/XX/2021 because I saw that my credit dropped and saw what card was impacting me. I reached out and filed a dispute and updated my information. On XX/XX/2021 a letter was issue to me from card member service saying their research was completed that the claim I issued has been credited back to me and it was final. I received two late payments on my credit which had impacted my credit score but needs to be remove because it was a fraudulent transaction that took place on that credit card.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to XXXX and the payment was on time! This is fraud XXXX XXXX XXXX is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of XXXX deceitful business practices! Due to XXXX fraud of reporting my payments late my credit is ruined! My score will XXXX below XXXX and this false late payments information XXXX is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX XXXX reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

Ask XXXX XXXX for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income.

Also, I would like to know when it was charge off, age of the account on company letter head.

If its collectible would like to know what settlement offers available.
Consumer complaint received 2022-02-20
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-01-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (OR)

On XX/XX/2022, I attempted to get financing for a transaction with XXXX through TD Bank. Unfortunately, an error told me we were unable to connect at the time. I handled the transaction another way. I learned later on XX/XX/2022 that TD Bank had placed a hard inquiry on my credit report - which will persist for XXXX years- causing my score to decrease. I received no decision from TD Bank, no benefit, and no notification. TD Bank acted wrongfully here. I should have been notified directly regarding any decision- as is my right. 

TD Bank WILL remove this inquiry from my report, immediately.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to XXXX and the payment was on time! This is fraud XXXX XXXX XXXX is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of XXXX deceitful business practices! Due to XXXX fraud of reporting my payments late my credit is ruined! My score will XXXX below XXXX and this false late payments information XXXX is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX XXXX reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
Consumer complaint received 2022-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

I couple months ago I sent a certified mailing debt validation letter to CMRE. XXXX and they sent me back an itemized statement. A list of invoice numbers on a disputed debt does NOT provide enough information for a consumer to validate the debt. 

I want this fraudulent account taken off my credit report. I am a victim of identity theft! 

Also, the right to dispute inaccurate information is granted by federal law. 
I have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer. 
I have provided a copy from my credit report of the inaccuracies on my credit report from CMRE and its violating my rights.
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. so am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for mont but I just remembered I could file a report on here ad I feel they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently. my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (VA)

On the date XX/XX/2021, I did a consumer credit transaction with XXXX, XXXX online dealership and extended my credit with a finance charge through Bridgecrest. 
I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. 
Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. 
Mind you the finance charge is a total of {$13000.00} exact but this dealership and Financial Institution gave me a total sale price of XXXX ( see attachment Retail Installment and Security Agreement ) That is a total of {$21000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a/5 ) ( see attachment page 2 ). Under the Sub chapter of the TILA Section 1026.5 ( b ) Time of Disclosures. There is no 21 day notification of statements nor grace period established. I was told to screen shot the ledger for the account online and was refused validation of documents in writing for the ledger. 
Sadly this is fraud so this contract is now void.
Consumer complaint received 2022-01-30
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. (FL)

In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over XXXX past due.
Consumer complaint received 2022-02-20
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. (MI)

I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze
Consumer complaint received 2022-10-07
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. (VA)

TransUnion, XXXX and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX2022. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of medical bill 3 years old. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX. 

On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process. 

A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX  NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (CA)

1. lender/builders/builders agent all allowed the realtor to stay in the transaction all the way to closing and was supposed to assist the buyers and did not assist the buyers at all until only after being present on sigining of purchase agreementon XX/XX/2020. They were all informed that on the purchase agreement signed by the buyers and builder it was noted that this realtor would receive commission only if the brokers agreement fee was signed by all partiies. this agreement contract was in fact never signed by anyone and they refused to abide by what was on the contract due to the builder and the realtor having an " economic relationship '' together, which is against the fudiciary duties of the realtor. Realtors interest shoudl be for their client and in this case it was between the realtor and lender and seller/builder. 
2. Buyers refused to abide by the transaction and was informed that if not, there will be fined wth fees and can not anymore back up from the transaction. 
3. the home was appraised at XXXX and the loan was at XXXX which was noted on the loan estimate. on the day of closing and notarized, the lender changed the price of the home and sent the notary public to the buyers and informed them the need to sign the documents or will be fined with all delays and fees. the price of the home was changed to XXXX which was indeed over the amount they had provided on the apprasail week prior. Week prior the lender, provided different loan amount along with different closing cash needed to close and on the day of notary and closing, all the amount changed and forced the buyers to agree with this and signed.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX. Bank of America closed my checking account. I called and went to the bank only to be informed that BoA have the right to close my account whenever they decide. I asked for the reason why and they told me that it is within their rights not to give me any reason. Further more I was informed that I have been barred from ever holding an account with BOA. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account which I subsequently deposited in my XXXXXXXX XXXX account on XXXX. XXXX XXXX rejected the check of XXXX and stated it was altered and further closed my account when I called to ask about what was wrong with the check on XXXX. 

XXXXXXXX XXXX are also refusing to give me any reason for their decision and also telling me they will send me a check for my balance after XXXXdays. I am just migrating from the XXXX to XXXX and do not have any other source of income apart from my savings which these XXXX banks are essentially denying me access to. They have both even cancelled payments I made for my credit from XXXX bank ( furniture I bought from XXXX XXXX XXXX ), I do not have any other money to even pay my rent or buy food to eat.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently closed my account with XXXX Credit builder app. My account is closed but I filed many disputes to get the loan removed off of my credit account. I filed 3 disputes, the company Transunion did some investigation they seen that my claims were accurate but they are not trying to change the information on my credit account and Ive been calling every company that has to do with that. I called Transunion customer service l, credit karma customer service as well. I dont think this is fair because this is stopping my credit from getting better and they are not trying to remove it
Consumer complaint received 2022-10-07
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. (NV)

I have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.