davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (FL)

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.

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 2022-07-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX of 2024, I discovered my business debit card was missing from my wallet, where I usually keep it. I never allow this card out of my sight and no one has access to it, except me. It appears that someone whom I do not know deposited multiple checks at an ATM machine located at XXXX XXXX XXXX XXXX in XXXX, IL. I have never in my life been to XXXX, IL, so how could I make a deposit or multiple deposits there ( and why would I? ). Upon further investigation, I looked to see the copies of these checks that were deposited ( there was a total of 4 deposits that amounted a grand total of : {$1000.00} ( {$300.00}, {$300.00}, {$180.00}, {$280.00} ) Three of the deposits were check deposits, however, they appear to be checks from the state of Illinois ( tax return checks of some sort ), and all of the names on the checks are different ... How could Chase Bank even let this happen? I have no idea what is going on here, and I am TERRIFIED more so now than ever, as Chase bank is now demanding a police report in order to clear MY name. Shortly after these " deposits '' were made by an unknown party who must have my stolen debit card up to this point, there was a series of ATM Withdrawals ( 7 to be exact ) done at XXXX XXXX XXXX, per the information within my ledger online, and another large withdrawal of {$400.00}, which was done through a XXXX program ; It appears that money was sent to XXXX, whomever that may be. This is all of the information up to this point in time that I have. So, Chase in fact refunded my money to me, but then took it back a second time and Is basically holding my money hostage, hence I did not participate in this crime or whatever the person who has my debit card is involved in.
Consumer complaint received 2018-12-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SRA Associates, Inc. (MD)

SRA Associates , Inc. and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of XXXX XXXX XXXX XXXX. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of SRA Associates and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed XXXXXXXX XXXX never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. XXXX XXXX purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. XXXX XXXX worked directly in consultation with XXXX XXXX and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XX/XX/XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. XXXX and SRA are both causing me great distress and distrust for the outcome of this loan. 

5. SRA Associates have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which XXXX XXXX should be totally responsible for at this moment. 

6. XXXX XXXX had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked SRA Associates to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I was on vacation on XX/XX/XXXX and in a grocery store getting groceries. I pulled out what I thought was my bank debt card to pay for the groceries and to get {$100.00}, I accidentally used my Walmart Mastercard card and didn't realize it till after I made the transaction and the store said they couldn't cancel the transaction. When I returned home I made sure to pay more than my minimum due of {$170.00}, and actually made a {$1000.00} payment on XX/XX/XXXX ( 5 days after the accidental withdrawal ) so the extra would pay the higher interest cash advance fee on the Walmart card, and all other money I charged during my vacation. The higher interest and a {$2.00} fee keeps showing up on my statement for both statements following the accidental charge. I messaged Walmart on XX/XX/XXXX via my online account bill pay with them, the replied that I'd have to call or chat online to get the problem resolved. I chatted online with a customer rep and called via the phone tonight, XX/XX/XXXX, and was told by both that I must pay off my entire balance of {$5300.00} before they will stop charging me extra for the {$100.00} cash advance. Please assist me in resolving this issue with the Walmart Visa. Thanks, XXXX XXXX
Consumer complaint received 2018-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On Tuesday XX/XX/XXXX I was in negotiation with an individual about purchasing some football tickets. After agreeing on a price the individual asked me to pay them {$300.00} via XXXX which my bank, USAA, was a partner of. Once I sent the person the money they were supposed to send the tickets from their XXXX account. These tickets never arrived and I called USAA a few hours later to report the scam. The banker informed me that since I never received the tickets that I would be able to file a dispute with USAA to get my money back. They would investigate and as long as the seller could not prove that I received the tickets then I would get my money back. I filed a dispute with them and I even asked if it would be helpful to have me send them screenshots of the conversation. They said that it would and gave me instructions on how to upload those documents. I uploaded the documents and then I was instructed to call back in the morning to make sure that they would be attached to my case. I was also instructed to call back on Friday XX/XX/XXXX On the morning of Wednesday XX/XX/XXXX I chatted with a representative, XXXX, who said that my documents were received and that once my case was assigned to a rep, they would notify me of my case number. Four hours later I received an email from USAA that they had completed their investigation on the dispute and that they had denied the dispute. I immediately called USAA and spoke to another representative and explained what had happened. That representative also told me that I needed to file a dispute for me to retrieve my funds.
Consumer complaint received 2019-09-09
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NC)

My husband and I have been trying to refinance our loan that is currently with GM Financial since XX/XX/2019 due to the extremely high interest rate. On XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX again, XX/XX/XXXX, and XX/XX/XXXX we have requested payoff to XXXX XXXX XXXX XXXX. Each time, after being on hold for 5-10 minutes, the associates indicate that the payoff would be sent within 2 - 24 hours. We have requested the payoff be faxed to XXXX. On Friday, page 1 of  a fax from GM came through ; however, no payoff on our loan. To-date, XXXX XXXX XXXX XXXX   has not received the payoff. This is likely a ploy to retain more simple interest at 6.9 %!! This is an abusive practice!
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

Our XXXX accounts have been blocked by Citi and we no longer have access to it, nor can we withdraw funds. We have made repeated calls, and the customer service team either disconnects the phone, puts on lengthy hold, or tells us that someone will call me back. No one has contacted us back to resolve the issue and our funds and accounts are frozen. We want to retrieve our money and close all accounts with Citi and they are refusing and unable to help.
Consumer complaint received 2022-07-27
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. (MD)

I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency XXXX, XXXX, AND EXPERAIN about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.XXXX XXXX XXXX XXXX XXXX, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

There is a overdraft protection credit account attached to my wife 's checking account. In mid 2016 the account was at a balance of around {$700.00}. As of today the account is at {$2200.00}. I paid the account off and closed it in-order to stop what Citizens Bank was doing with this account. 
From what I can gather this account was accruing interest and my guess is that rather then send a statement for this account Citizens Bank just keeps hitting the checking accounts balance which if at 0 then this will continually keep bouncing and the credit balance increases. 
I have 2 credit cards from Citizens Bank and always receive a credit card statement monthly, even if its at a zero balance. I don't think it is fair for Citizens Bank to allow this account to just keep going up without a delinquency letter or any type of separate notification. 
I want potential customers to know about how this works and beware of the dangers of this type of account that does notify you of delinquencies.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency TRANSUNION, XXXX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.XXXX XXXX XXXX XXXX XXXX, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.
Consumer complaint received 2019-01-13
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. (OH)

These issues are with 2 of the 3 major credit reporting agencies Equifax, and XXXX.

Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX removed them from my report. I have had no success with Equifax and XXXX. 

The collection agency is : XXXX XXXX XXXX XXXX The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. 

Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 

Thank you.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

I have taken multiple personal loans out from Affirm over the past XXXX years. I have had perfect credit history until very recently. On XX/XX/year>, I was struck by a driver who ran a red light and t-boned me ; he was driving a XXXX XXXX truck ( with mechanical gear mounted in the bed ), while towing a ( roughly ) XXXX ' x XXXX ' trailer full of tree debris. My truck flipped and I suffered injuries, but most notably, I suffered a sever concussion. The concussion resulted in concussion symptoms that deemed me unable and ineffective at my XXXX XXXX, and after a short while, I had to leave the position due to my ineffectiveness. I planned to start a XXXX XXXX ( XXXX XXXX XXXX ) ASAP, but unfortunately was not able to land said position until 7 months later ; despite how hard I tried to get hired at multiple places. When I fell behind, I spoke to a representative at Affirm, and I was offered no relief programs for my situation. Because of this, I wasn't able to make payments on time, and Affirm began to knock down my credit score. I challenged Affirm 's score on XXXX, and provided proof that they were only reporting bad credit, as opposed to the ( significant ) amount of positive credit on my recent ( and previous ) accounts. Still, on XXXX, they refused to reflect this positive activity ; and instead, only posted the negative activity. I challenged it, provided proof of my positive activity, and Affirm still refuses to notate any positive activity.
Consumer complaint received 2021-07-15
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. (NY)

good morning, please be advised I file a dispute with all three bureaus regards to inaccuracies on my credit report. I have disputed these items 60 days ago and I have not received any information on my credit report. fair Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate
Consumer complaint received 2018-07-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX we closed on a construction loan, after several delays by Wells Fargo, they overcharged us {$5000.00}, we received a letter on XX/XX/XXXX that they acknowledged overcharging us and giving us a check for that amount. But then, the same day they charged to our loan the same amount {$5000.00}, so in fact they did not refund, they charged back to us to repay again. I have attached my initial letter to them and all of our statements showing the where they charged back to the loan and never credited back and all of the statements with them. We tried on several occasions to resolve but they never followed through, so not only did we get charged for that, we were charged for the interest.
Consumer complaint received 2022-07-27
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. (NC)

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, XXXX, and Experian Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2022-07-27
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. (NC)

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2019-01-15
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. (PA)

Experian Report # XXXX XX/XX/18 XXXX  XXXX XXXX XXXX payment paid back in XXXX for XXXX, XXXX and XXXX payment paid. on my credit report not showing updated.