davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
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: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/19 I was notified from XXXX  the company I use to monitor my credit that a hard inquiry was pulled from XXXX from American Express and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Group Inc. (WA)

In XXXX I had a vehicle repossessed after former employer bounced checks. " XXXX '' from United Finance told me the day it was repossessed that paying for it in full was " not an option '' and that the vehicle would go to auction and I would be stuck with the balance owed. During attempts to collect debt XXXX was on my XXXX account and he would call me when I posted food like XXXX XXXX saying " You can afford to eat out, you should be able to afford paying your bill. It sure looks like you eat a lot '' and I took that as a personal attack on my weight. It was then I let him know never to contact me or I will pursue legal action. I had ignored phone calls from United Finance for years and after letting XXXX the manager at the XXXX branch know why I assumed they just gave up. I was never served any paperwork and never notified of any court date, but now that I've gotten a job years later I am being garnished. This has caused a lot of emotional stress in my life as things are tough enough having to deal with COVID and getting a " normal '' job for the first time since XXXX, I've been a self-employed entertainer most of my life. 

On XXXX XXXX some friends of mine called United Finance to find out what it would take to pay off the debt as a XXXX Gift. " XXXX '' said he needed me to call and give permission to talk to them. My friend called and pretended to be me and told XXXX he could discuss my account details with my friend. At that time he was very rude and said " Come up with {$5300.00} by Friday or {$6500.00} over the next 30 days and we can call it good ''. Garnishments started on XXXX XXXX, I've now lowered my XXXX so I can have money to live and pay bills after finding out about the garnishment. I'm almost willing to quit my job, this is creating so much stress in my life. United Finance is the worst finance company in my opinion and they are absolutely dishonest, they take advantage of people not knowing the law, and they scam people every chance they get.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AL)

I sent money from cashapp to my personal checking account and money was never delivered. I spoke to cashapp and they state transactions was successful and XXXX XXXX state cashapp declined the deposit to my account. Now cashapp refuses to give me my money. Message from cashapp : Based on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result, your dispute has been closed. XXXX XXXX  transaction : XX/XX/XXXX XXXX  at XXXX XXXX and the error is money didn't go into the bank. Request documentation and nothing received https : XXXX. XXXX has no pending deposit and provided me with a authorization number for the declined transaction.Decline to release by cashapp authorization : XXXX
Consumer complaint received 2023-04-01
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. (PA)

My name is XXXX 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 personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-16
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: JPMORGAN CHASE & CO. (NY)

I dispute the charge below. 


Date of charge : XX/XX/22 Amount : {$6000.00} Name Merchant : XXXX XXXX XXXX XXXXr Car was fully insured by XXXXXXXX XXXX XXXX XXXX Company claims no insurance was purchased attached is a copy of the contract proof of insurance. Customer is fully indemnified as per contract agreement.
Consumer complaint received 2023-04-01
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. (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. 
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 XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 2022-08-16
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. (IL)

I am a natural person, I am living human being, I have rights under 15 usc 6181. 
EQUIFAX is govern by 15 usc 6181. They have violated my rights numerous times I demand accounts listed below be removed. According to 15 usc 6181 : I have the rights to privacy and did not give EQUIFAX written permission to furnish these accounts Accounts : 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
Consumer complaint received 2024-03-26
Product: Credit 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 (FL)

This is a follow-up to a complaint, XXXX. It had been closed in XXXX, XXXX after the CFPB contacted Barclays, who then decided there had been an attempt to use the card fraudulently. There is detailed information in that complaint. 

On or about XXXX XXXX, I received a letter from Barclays informing me their investigation was complete and I was not responsible. 
Since the card had been closed for months, I just filed the letter away. 

On XX/XX/XXXX I received a bill from Barclays for the original {$45.00} charge from the original merchant. Which Barclays has al ; ready concluded more than once the charge of {$45.00} was fraudulent. 
Copies attached.
Consumer complaint received 2023-04-01
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-16
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. (OK)

Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure
Consumer complaint received 2021-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge.

But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I filed complaint # XXXX about BANK OF AMERICA HOME LOAN and received an email today from CFPB that BOA can not respond to the complaint because I never submitted 3rd party  authorization. I submitted twice. Once by fax the other by direct email to XXXX on XX/XX/XXXX, @ XXXX XXXX along with additional documentation that was requested of me. I have been talking to XXXX XXXX and he has never told me that he never had it. He called me today and didn't leave me a message. He told me yesterday he would have a reply for me this week and now I see this from your offices. 

I am filing this complaint to address them not processing the modification request sent to them on XX/XX/XXXX and I am filing this complaint against Bank of America saying that I didn't submit a 3rd party letter authorizing them to speak to XXXX XXXX from XXXX  XXXX XXXX  who is a HUD counselor who is helping to assist me with the loan modification. BOA is running out my time so that this house will be sold without them dealing with the modification request. They keep asking for documents and every time I give them something they ask for more. I have proven there are funds to cover the modification but they won't accept or deny it nor will they offer any other options and this is what this company does by using up time to cause people further debt. I need help getting them to process the paperwork and not sale the house because they refused to acknowledge they dropped the ball and didn't process the paperwork submitted to them on XX/XX/XXXX.
Consumer complaint received 2019-09-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY representing XXXX  XXXX  has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$4700.00}
Consumer complaint received 2019-01-23
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. (TX)

On XX/XX/XXXX I sent a letter via certified mail requesting Equifax to look into accounts that where reporting inaccurately on my credit report with them. 

On XX/XX/XXXX I received a response letter. However XXXX  did not correct these accounts. In fact after further looking at my credit report Equifax did not even update my file meaning they did not even conduct an investigation that I originally requested on my accounts. 

On XX/XX/XXXX I sent another letter via Certified mail requesting proof of the their investigation into my credit profile. I highlighted all the accounts in question and sent it back to them. 

On XX/XX/XXXX I received a letter in the mail that they WOULD NOT INVESTIGATE any further into my accounts. This is a violation of my rights according to the FCRA. Equifax can not report information that is incorrect on my profile. Equifax wont even look into this matter giving me proof of investigation.
Consumer complaint received 2020-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX XX/XX/XXXX and BK OF AMER add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-01-23
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. (CA)

I disputed fraudulent information on my credit report beginning XX/XX/2018. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. XXXX  has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed XXXX  a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at XXXX. 

I did send the same to Transunion and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at Transunion. I have a copy of the return receipt for Transunion. 

XXXX  has removed it and has been good to work with. 

XXXX has been very difficult on every level.
Consumer complaint received 2021-02-16
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. ()

Hello, I have tried twice to fix my wrong ratings on my consumer report with Equifax. I have sent a first dispute on the XX/XX/XXXX. 

Credit bureaus usually have 30 days to answer your request, which they have not respected the first time, since I did not get any answers and had to dispute a second time. 

Both my accounts are settled and should have an updated MOP at XXXX and not XXXX. 

I have sent another round of dispute online on XX/XX/XXXX and now they have answered me and said that the information has been updated, but the MOP is still the same. 

They should be reporting the correct rating, since this affect my financial life and freedom. 

Here is what the Government of XXXX states to be rated 7 : - 7 Making regular payments using one of the following debt management options : a consolidation order orderly payment of debts consumer proposal debt management program with a credit counselling agency https : XXXX XXXX this can be fixed so that I can keep moving forward with my credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I disputed some credit reporting information with Equifax. They have sent me multiple emails regarding the information and how they have dealt with it, however, when I go to retrieve the information I can not access it. The online dispute center is either down, or it asks me to verify information that does NOT belong to me. Then I am told they are unable to get the information and I must speak to a representative. The information I am asked for belongs to my sister whom I shear a birthdate with- the month and day are the same, but the years are different. At this time we share an address as I am currently living with her, however, our credit information is NOT based on our living situation OR our birthdates. How in heaven am I able to get the proper information if this company will not allow me to access it?
Consumer complaint received 2019-09-17
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. (CO)

1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.
Consumer complaint received 2018-10-22
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. (WA)

Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.