davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX  i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX XXXX were i had it tow to. The dispute department XXXX called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.
Consumer complaint received 2022-03-03
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. (WA)

Equifax Your listing that XXXX XXXX account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Early Saturday morning around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to take money out of an ATM. I saw that it was declined so I logged into Mobile banking, someone who was at the store where the ATM was said he could help and took my phone and sent himself money through XXXX. 

They sent themselves {$3500.00} from my XXXX account. The recipient 's name is " XXXX '' and the email is XXXX. The next day, I denied the transaction saying I did not authorize it and submitted a claim with my bank, Bank of America. They recently told me that they are unable to honor the claim, so I had to file a police report for fraud.
Consumer complaint received 2017-08-23
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. (NY)

I contacted XXXX about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-05
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. (NY)

As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed ALL my credit cards ( tot al 2 ). Th e only rationale they have given is " compliance '' .Despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations. They have sent out letters that my accounts will be closed by  X/XX/2017
Consumer complaint received 2017-10-16
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. (CT)

I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXK 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 XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR N/A N/A $ USD XXXX
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

My wife and I both opened checking accounts with US Bank in response to a promotion they had on their website. The promotion appeared on " usbank.com/openchecking '' but the page has since been removed. We opened the accounts and confirmed that we met all requirements. When I called the first time and asked when the {$300.00} welcome bonus would be deposited into our account, I was told that it was up to 90 days from opening the account and to check back later. The payment never posted. I called again and was told that it was 90 days from the final required direct deposit was made, and I should check back later. The payment still never posted. I contacted customer service again to ask why this was the case, considering I clicked the link directly on the website to open the account, had the promo code in place, and opened the account with no issues. I was assigned a person to help me, XXXX XXXX, who then relayed information between me and their " promotions team '' We have spoken three times on the phone ( originally I was told that this would be resolved in XXXX business days, but it has been 3 weeks since XXXX was assigned to the case ). XXXX recently left a voicemail stating that I was ineligible for the promotion since I did not receive a direct offer in the mail ... what? I signed up on the website with their promo code?? This seems like complete nonsense and I feel cheated out of {$300.00}. Same exact thing applies to the account that my wife opened up.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IN)

XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated XX/XX/XXXX.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (CO)

I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
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So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.
Consumer complaint received 2023-01-27
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: Atlantic Recovery Solutions LLC (OH)

Monday XX/XX/XXXX XXXX make outgoing call because ATLANTIC RECOVERY SOLUTIONS XXXX XXXX where XXXX XXXX gave my debt to kept calling and harassing me to pay them when I told them specific dates that I will be able to make payments. And I made XXXX in payment toward a XXXX debt. Then they keep calling my father in law, husband and bestfriend to collect a debt from me all in a week when I am a broke XXXX XXXX  who isnt working at the moment but is applying to jobs. I have XXXX next week and I will be out for two weeks till I get recovered then can I work full time.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit cards.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 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, 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 instructions
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (TX)

My Name is XXXX XXXX XXXX I Have put concert XXXX XXXX XXXX XXXX Texas XXXX XXXX as a XXXX suggest XXXX with pule Moorage company. if i used them call prefacer lander and going to give me credit toward closing cost {$8000.00}. when i audit the closing cost their math does not Mach. I asked them to reaved pulet moorage decalin my loan. I sure this is against fair mortgage practice this company is fraud. Because of cooler and atonicity my race This company didn't approved me loan. I have a XXXX-year-old son sold my house this company west my time. they did not give me deflate answer at the end of contact almost expire just 13 day 's closing told me i am not able to get finance. This is heart breaking been here 26 years paid tax and I have decent credit I don't know what to do at this time. this is the option left to complain against like this crock company I do have all. The emails and document.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On or about XXXX on XX/XX/XXXX, I spent {$100.00} purchasing XXXX using CashApp. I then tried to send some XXXX to my personal XXXX  wallet - CashApp did not permit this, requesting identity verification in order to be able to send XXXX. I then uploaded photos of my drivers license. On or about XXXX on XX/XX/XXXX, CashApp sent me an email stating that my account had been verified. Later that afternoon, I attempted to send XXXX, this time being greeted with, " Sorry your withdrawal could not be processed ''. I attempted to contact support to fix this and was instead greeted with the utmost disrespect from an " Advocate '' using the name " XXXX '', who lied about methods for checking the status of verification. I remain unable to use the XXXX  I purchased. At this point, I believe that I have been scammed out of {$100.00} and that CashApp has engaged in XXXX of the most egregious examples of unfair, deceptive, and abusive practices imaginable.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

Comenity financial provides credit cards to multiple vendors. 

They did an update ( cyber hack ), more than likely and have had to many issue to count going on 3 months now. 

No communication about the true cause of the issue and servicing your account is almost impossible. 

Customer service is non existent and using there preferred method on internet messaging return the same canned reply several days later. 

Payments do not always get applied or even better get applied for a date preceding the date it was actually made. 

Awards are not updated and disappear depending on the day. 

This is a total train wreck of a lending institution.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

I relocated XXXX, called XXXX for my final bill went pd bill ( est ) {$31.00}, turn equip in got receipts for both then filed them away.1yr later XXXX check my XXXX XXXX letter {$410.00} due to XXXX I call # on letter talk with guy, he said I owed, I gave him my receipts numbers, the conversation ended with him taking care of it, good to go. Almost yr later XX/XX/XXXX trying XXXXonmake a life purchase, only to find out that XXXX is on my credit report negatively. I now have no proof but the conversation between the office guy and myself. Who will believe me, I put my trust in someone behind a desk/phone to be honest. I threw away my XXXX file after the conversation that day and today it looks as if I've been paying for it. If the findings are not for me what can I do to get this erased from my credit report, thank you
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Overton, Russell, Doerr and Donovan, LLP (TX)

There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX