davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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: STERLING JEWELERS, INC. (OH)

In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a Kay Jeweler credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX  and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc. (CA)

On XX/XX/XXXX I received an initial dunning letter from Asset Recovery Associates for a XXXX credit card in the amount of {$21000.00}. This account does not appear on my credit reports going back many years as I do not use credit cards. On XX/XX/XXXX I sent ARA a Debt Validation/Cease Communications letter via certified mail with return receipt. They received the letter on XX/XX/XXXX. On XX/XX/XXXX I received a second dunning letter with interest added to the balance. I researched the company and learned they were a debt buyer who acquires long out of statute debt which they then try to collect. On XX/XX/XXXX I sent a second Debt Validation/Cease Communications letter via certified mail with return receipt pursuant to the California Fair Debt Buying Practices Act. I received the return receipt one week later. 

Since then the company has never sent me a copy of a judgement as indicated in their letters, nor the documentation I requested that is required by law including a copy of the contract, date of default, breakdown of principal and interest, chain of assignment, etc. Additionally, their letters lack the required disclosure : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. 

Instead the company has been harassing me for more than a year with a bombardment of phone calls to my land line and cell phone after I twice had asked them to stop. Between XX/XX/XXXX and XX/XX/XXXX the company has called me more than 200 times, as many as 6 times per day and past XXXX. Each time they call they hang up without leaving a message. Also, they call my landlord and hang up on her without leaving a message. The company uses caller ID spoofing to conceal their actual phone number as well as robocalls with misleading messages purporting to be from the IRS, XXXX, XXXX, etc implying my account has been charged or compromised.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1861 section 602 A states the right to privacy.

15 U.S.C 1861 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-18
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 with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-13
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. (TX)

EXPERIAN ARE WILLFULLY & RECKLESSLY REPORTING FALSE & INCORRECT INFORMATION ON MY CREDIT REPORT AFTER BEING NOTIFIED OF THE REPORTING ERROR & FAILING TO PROPERLY INVESTIGATE OR CORRECT THE ERROR. THIS INFORMATION THAT EXPERIAN IS REPORTING ON MY CREDIT REPORT IS INACCURATE, UNREASONABLE, UNVERIFIABLE, UNTIMELY AND OR NON-COMPLIANCE WITH THE FCRA RULES AND REGULATIONS. EXPERIAN ALSO FAIL TO PROVIDE ME COPIES OF THE REQUESTED DOCUMENTS THAT WERE USED TO VERIFY THESE INACCURATE ACCOUNT ( S ) THATS REQUIRED UNDER FCRA SECTION 15 U.S.C. 1681G ; THEREFORE, THEY SHOULD HAVE IMMEDIATELY DELETED THE ITEMS IN QUESTIONED ACCORDING TO FCRA 611 ( A ) ( 5 ) ( A ) ( I ). MORE SO, EXPERIAN DELIBERATELY LIED IN THEIR RESPONSE ABOUT A MONTH AGO THAT THEY DELETED THE INCORRECT MAILING ADDRESSES AND NAMES FROM MY REPORT, BUT THEY DID NOT.
Consumer complaint received 2022-07-12
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. (CA)

Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$570.00}
Consumer complaint received 2018-11-17
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: AMERICAN HONDA FINANCE CORP (UT)

I have a big problem with XXXX XXXX and Honda financial, as you see below, I opened a ticker with Customer Services at XXXX XX/XX/2018, because I didnt receive any statement to pay my lease auto, after to discuss many times with sell representative, by Text message multiples times, nobody from Honda is helping to fix this issue, right my credit score info is affected due this late payment occurred in XX/XX/XXXX. Due this problem I cant get a loan to buy my home here at Utah, currently my lease apartment contract is cancelled to next XX/XX/XXXX The contract info about my lease are OK, address, email, phone. But when I tried to pay lease online, calling to Honda Financial as well, nobody there help me, because my SSN and Address was wrong into their system. 

This was not a problem with money into my Banck account, because I can show my statement bank at date mentioned, XX/XX/18, also they charged a late payment fee on XX/XX/18 and after one month calling everyday and bother all days to Seller Representative, one people of XXXX XXXX system ask me about my personal info trying to help me, and his discover my address are not OK and my Social Security Number was not linked with my Honda account number, after to fix that on XX/XX/18, I pay XXXX USD and setting autopayment since that date until today. 

Also a ticket os Customer Services opened at XX/XX/2018 was opened with them to investigate the issues trying to fix for any future inconvenience. 

Yesterday a Agent on call confirm the mistake about the address was wrong submitted, but they insist to check the contract info to be clear, all the contract info was fine always, but nobody call me after to get the lease, no receive any letter. Please request all that info and track the letter send by them or recording calls. 

At the same time, by XXXX XXXX app, the dispute about this issue was opened, receiving good news at XX/XX/XXXX, indicating the following result Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The payment history/rating is incorrect. 

At this time, XXXX have my credit report totally different than, XXXX and XXXX, affecting my process to buy home, also two more dispute were opened with them trying to fix, but only was change the date about the error with the late payment.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I currently have a TD Bank checking account. on Date XX/XX/2019 I withdrew from my account {$46.00}. After losing my debit card at the nightclub and got my pin stolen they took 2 withdraws of {$200.00} and {$44.00}. I called that night and reported the fraud which my card was canceled. I received a new debit card after a week but my funds were never given back. 

I disputed these 2 transactions 2 times already with the same response. I have no other choice but to file a complaint.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the fair credit reporting act XXXX accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states " a consumer report agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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 with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-13
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. (HI)

I have disputed the late payments report on XXXX XXXX  The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I deposited a check on XX/XX/XXXX. The bank error read the amount wrong. The atm gave me credit for XXXX or a XXXX check, Bank of America put a hold on my account until XX/XX/XXXX. The funds were withdrawn from the account at the other local bank on XX/XX/XXXX. No reason 2 local banks will need a hold that long. The Bank told me they do not have to give me a written reason or proof of when they received the funds. Sounds like they are running a scam using other people money. I tried to resolve it yet they are just rude when I ask questions.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act XXXX account xxxxxxxxxxxx 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-31
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. (CA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I deposited a check via the mobile app for {$5200.00}. The bank only recognized the {$250.00}, so that was deposited and it was short {$5000.00}. I called and filed a claim. They deposited the missing {$5000.00} into my account while they investigated the claim. On XX/XX/XXXX, the claim was denied and they took the money out of my account ( STOLE ) the {$5000.00} from me. There is a copy of the check through the mobile app and it is very clear that the initial deposit should have been for {$5200.00}. When I called Chase claims on XX/XX/XXXX, I had to call 4 times to finally get anywhere because the first XXXX calls were disconnected. The XXXX employee I spoke to was able to reopen the claim. I am complaining because at this point, Chase has stolen {$5000.00} from me. I also called the claims department at least XXXX times today to receive an update, and the call was blocked from getting through. Yet when I used my husbands phone to call, it went through with no issue.
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (GA)

I started the loan process with quicken loans and during the process of them pulling my credit, they never attempted to verify the fraud alert placed on my credit report like every other lender I have dealt with. the fraud alert is in place with all 3 bureaus and there was no attempt at all to verify my identity, I have spoken with XXXX  regarding this and they told me I would need to contact cfpb
Consumer complaint received 2018-11-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (MI)

Today XX/XX/2018 ford motor credit treated to seize property today XX/XX/2018 had a tow truck man calling my phone non stop saying i was voluntary surrendering my car which i was Not had not talked to ford motor company about this. 

I have Been trying to work them and prevent them from continuing to ruining my credit. The refuse to treat me with respect refuse to let me speak to manger. Today some one from Ford credit threatened to sue and take me to court, used abusive language, called non stop at unacceptable times even calling family members. 


They have damaged my credit reporting late payments which is untrue the car was stolen and considered a total loss the insurance company had the car for over three months, i had To pay out of pocket for rentals etc. they said they would waive late fees now since the car was returned out of the blue from the insurance company, the car is not drivable, over 3,000 worth of damage to front & rear damage, not starting etc, & all they do is continue to harass me about payments but have not held the insurance company accountable for nothing. Refusing to accomadate me or help me and any way. They are being disrespectful, dishonest, unprofessional, constantly tearing down my credit, threating me and my credit, and acting if I am not a person only Money and Im willing to make arrangements to stop them & get them to remove this from my credit this matter has drove me insane and has effected me and so many ways. Ford has all documentations and know that the insurance company has been hard to get a hold of and hard to work with, has had the car for over 3 months and has refused to fix the car and i have Put in complaints against the insurance company as well. 

I have been in and out of the hospital for XXXX  and XXXX  XXXX, this has took a toll on me mentally and physically, and is not willing to work with me and any way. All i want is to be treated with respect and not harrsed not threatening, i want them to remove all negative payments from my credit report and work with me ...
Consumer complaint received 2022-03-31
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. (IL)

These loans were paid in full in 2019. I have emails from XXXX XXXX that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I submitted a domestic wire transfer for {$20000.00} from my account at Ally Bank to a XXXX XXXX bank account in XXXX XXXX for the benefit of XXXX XXXX. 

On XX/XX/XXXX Ally Bank emailed me with instructions to phone them. I did, and was told that the wire transfer had been cancelled because it was considered international rather than domestic and Ally does not do international wire transfers. 

It seems clear to me that wiring money to XXXX XXXX isn't international, but 75 minutes on the phone refused to convince Ally. For 60 minutes XXXX told me that it was considered international because I submitted it from a computer in XXXX, and then supervisor XXXX insisted that it was international because the company XXXX was initially founded in XXXX. 

This is clearly nonsense and I hope you can get an honest explanation.