davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 my personal computer was hacked and they gained access to my Chase bank checking account # XXXX. They tried to charge via XXXX an amount to XXXX XXXX {$480.00}. 
Chase sent me a text asking me if I authorize this payment and I replied NO. Chase went ahead and sent the payment anyway. 
Now they will not honor or refund the amount to me until they try to get the money back from XXXX. i dont know how long that will take. I have been a Chase customer fo XXXX  years and they will not do anything more for me or return my money until after they file a claim. 
I think since it was Chases fault and I did not authorize this payment, they should refund my money now.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (NY)

Hi my name is XXXX I have been tricked by credit karma they showed me credit cards I was pre approved for and also told me there was no credit check but when I applied for one it alerted me that there was a hard inquiry on my credit report I've been using credit karma for years and I don't think it's ok that I've been getting tricked or lied to I want compensation for the lies and decite I had to go through and some of the things on my credit report I've tried getting removed bc some of them aren't my account they belonged to an ex but credit karma said they couldn't remove them! I don't know what to do or think
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (WA)

I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports experian said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with Experian mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory Experian filed dispute without my permision I have proof and a copy of my Bank contract infor showing Experian refused to take XXXX XXXX  payment reports XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report Experian cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu Experian I am and will file charges no mater the out come
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Consumer complaint received 2022-09-10
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)

Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are Transunion : high bal XXXX XXXX  : high bal XXXX XXXX high XXXX transunion last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX XXXX last activity XX/XX/XXXX transunion bal owed XXXX XXXX  XXXX XXXX XXXX transunion says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans
Consumer complaint received 2024-03-10
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. (GA)

Complaint Against TransUnion for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their failure to respond to my dispute letters regarding inaccuracies found in my credit report. Despite my diligent efforts to address these discrepancies, TransUnion has neglected to provide any resolution or acknowledgment of my concerns. 

As outlined in my correspondence dated XX/XX/year>, I have meticulously detailed numerous errors present in my credit report, including discrepancies in personal information and inaccuracies in account data from various creditors. Despite providing clear and specific information regarding these errors, TransUnion has failed to take appropriate action to rectify the situation. 

Given the significant impact that these inaccuracies can have on my financial well-being, including my ability to obtain credit, employment opportunities, and insurance rates, it is imperative that TransUnion promptly addresses and corrects these errors.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TransUnion fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed copies of my dispute letters sent to TransUnion for your reference. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found these unauthorized inquires on my credit report. 
Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-10
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. (NY)

XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Consumer complaint received 2020-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Navient Private student loan. Has called me ( XXXX XXXX ) at my work place when it could potentially cause me to lose my Job. Calls constantly and emails me as a Cosigner for my husband 's private student loan. My husband ( XXXX XXXX, has reached out to Navient however they want a huge lump of payment from him, hence we have used a consumer credit assistance through XXXX XXXX XXXX and ( Navient ) continues to refuse to work a flexible affordable repayment options with XXXX XXXX XXXX. Has threatened my husband and me with debt collection tactics by email, letters, phone calls ... Times are tough and if Navient continues to call my work place I could potentially lose my Job.
Consumer complaint received 2022-09-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Experian has failed to provide me with adequate proof as to their right and the right of the alleged creditors claim to the information reported on my experian consumer credit report. Experian has not maintained an fair and impartial position in this matter and has reported information on my experian consumer credit report solely based on whatever information the alleged creditor has given them. I have reach out to all of the companies claiming to be an original creditor they have all failed to provide substantial proof of this pursuant to Federal Law. Any legal action taken against these fraudulent claims, I will include Experian as a co-conspirator and co-defendant. ON XX/XX/2022 I sent a cease and desist complaint via the CFPB # XXXX. This complaint was not addressed and the numerous account continued to report as verified. ON XX/XX/2022 I request a method of reinvestigation disclosure from Experian via the CFPB # XXXX so that I can have a full accounting of the steps taken to validate the information on my Experian report. Experian failed to provide me with this information and has still continued to report the many accounts in which I informed them should be removed from my Experian credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lac Courte Oreilles Financial Services II (WI)

On XX/XX/31, I applied for and was approved for an {$800.00} loan. When applying, the rep asked me for my full debit card number, including the security card. We then had to call the bank to verify my account, including the total available balance ( which I thought was kind of odd ). I should have gone with my gut. 

That night, an unauthorized charge for over {$300.00} at XXXX was charged using my debit card. Right away, I called my bank to cancel my card and get a new one reissued. Overnight, another charge tried to go through for {$500.00} for some airline tickets. Coincidence that the total was {$800.00}? I don't think so. 

Looking further into it with XXXX and the airlines, the name of the person using the card was the same as my rep and the area was where she lived. 

I emailed all this information to XXXX XXXX but they have yet to respond. I am looking for compensation for the fraudulent charges and/or my loan forgiven for the hassle.
Consumer complaint received 2021-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mortgage payment for so long was $ XXXX. No written explanation. No escrow analysis sent, suddenly on XX/XX/XXXX payment was {$550.00}. Spoke to many Cust. Svc. said due to negative escrow of {$2100.00}. And said, if I pay this amt. my monthly pay would be {$180.00} just for principal and interest. I paid this amt of XXXX on XX/XX/XXXX. No adjustment was made. I faxed a letter and spoke to Escrow Dept said since I paid on XX/XX/XXXX calculations has been done. Reply to my fax came with no straight answers from Bank of America Escrow Dept. Sent them fax again, but did not answer my queries and one month has passed and XXXX is almost gone. I saw my payment this XX/XX/XXXX will be XXXX. Where is their word : that if I pay my negative escrow of {$2100.00}, my monthly mortgage payment will only be based on Principal and Interest in the amount of $ XXXX. 

I am a XXXX XXXX, to better understand them, I was asking them on my previous fax to give me detail escrow payment, detail calculations of payment, but have not receive any. Please help me. Thank you..
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I'm currently starting my small business so I decided to visit Bank of America on XX/XX/year> to open a small business account, credit card, and inquire information regarding a business loan because I want to finance a XXXX XXXX  that I will be using for my business. My partner and I ended up opening the small business account along with debit cards and then a credit card for the business and this was done with representative XXXX XXXX XXXX. Then, we inquire information regarding the business loan to finance a XXXX XXXX which is a XXXX XXXX and she told me that I did not qualify for it because the business had to be XXXX or more years old. However, she then proceeded in offering the personal loan and did seem persistent about it ; she provided the rates and everything looked good. I was interested in applying for a XXXX XXXX personal loan to finance my XXXX XXXX  so I did, then I received an email and was informed that I was approved for {$39000.00}. Then on XX/XX/year>, I received a call from the loan department and they asked me what kind of vehicle I was trying to finance and I told them that it was a XXXX  XXXX, which then they proceeded in telling me that I can not finance a XXXX XXXX on a personal loan. The representative NEVER told me that information, because if I had known that I was unable to finance a XXXX XXXX on a personal loan then I would of declined and it would had prevent the hard inquiry on my personal credit! I was provide misleading and misinformation by the representative who seemed very persistent in me applying for the personal loan. Then I received a call from her XXXX minutes later after the loan department had contacted me, she asked me what they said and I told her and she then told me that she was going to call me back which she never did. My partner who is signer on the business account emailed her regarding this matter and she never responded either.
Consumer complaint received 2021-02-28
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. (WA)

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files Experian, XXXX XXXX, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Experian CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-28
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. (WA)

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX Trans Union, XXXX. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Trans Union CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (GA)

Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX # XXXX  XXXX, or 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 an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.
Consumer complaint received 2022-09-10
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 XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I have this account in Charge Off status, but it is still being reported as having a balance due. In addition, they are marking every month in the payment history with CO marks, this is illegal since it is a closed account, so it should not be updated every month. 

I attach evidence of how they are reporting it
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

In XXXXXXXX XXXX XXXX, I was involved in identity theft and fraud. My wallet was lost and stolen ( XX/XX/2023 ). The perpetrator attempted to make various purchases with my credit cards and debit cards, along with opening several new accounts and applying for loans. 

A police report was filed and all 3 bureaus were contacted to put a freeze. For several months I would receive new and various letters from several banks and companies about a new account being opened or some kind of failed transfer. I have dealt with XXXX, XXXX, XXXX XXXX, and XXXX to name a few. 

In XX/XX/2023, I received letter documents of activity from US Bank with my information. I reached out to US Bank to confirm whether someone opened an account with my information and was told there was nothing using my name or social security number. I told the representative my name is being used for fraudulent activity and checks that are attempted to be processed. They would assist me, because they claimed I was not their customer and they couldn't find any information. Even when supplying information of the fraudulent activity they denied recording, because they could not verify me. 

A month later in XXXX, I received another letter communication from US Bank. This time when I reached out, I am being told that US Bank has an account with my information. I requested the account to be closed and explained what happened previously. 

Rather than assisting me and closing the account after verifying my information, I was told I need to fill out a packet which will require a notarization. 

This account was opened online with less credentials than required in person and to close it US Bank is requiring more information. This is a huge inconvenience to me when other banks have complied and taken responsibility for the lack of security and verification. Banks such as XXXX have closed my account and issued letters of confirmation, however, US Bank is unwilling to cooperate and making closure of the fraudulent account difficult. 

The failure for US Bank to properly verify my information upon account creation is entirely the responsibility of US Bank and the closure shall be too. I should not have to go out of my way for the errors due to US Bank.
Consumer complaint received 2022-09-10
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. (PA)

On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.