davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 I have scheduled one transfer to my account at XXXX XXXX XXXX  at {$19000.00}. Unfortunately what transpired was three transactions ( two unauthorized ) listed below including trace codes, : 1 authorized : ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX XXXX below unathorized ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX ACH Debit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX The problem with this set up is that the transaction repeated multiple account automatically flags the account for account surveillance and resulting in problems associated with the account going forward. Chase Bank denies that three transactions took place regardless of presented evidence alleging only one took place, their response below : We only show one transaction Dear XXXX XXXX : Were writing about your email, which we received on XX/XX/2019, about the unauthorized transactions for your savings account ending in XXXX. We confirmed there was only one transaction of {$19000.00} transferred from your Chase savings account ending in XXXX to an external account XXXX on XX/XX/2019. Please contact the bank for your external account about any additional transactions of {$19000.00}. If you have more questions about this issue, please call XXXX at XXXX extension XXXX. If you have questions about other issues, please call us at the number below. We accept operator relay calls. Our office is available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern Time. Sincerely, Executive Office XXXX XXXX Fax ( Free of charge from any Chase branch ) XXXX Esta comunicacin contiene informacin importante. Si tiene alguna pregunta o necesita ayuda para traducirla, comunquese con nosotros llamando al XXXX, de lunes a viernes de XXXX XXXX. a XXXX XXXX.,  sbados de XXXX XXXX. a XXXX XXXX hora del XXXX.
Consumer complaint received 2019-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

I told the company the length of the loan was not fair and the pay off amount was too high. They said they would offer new terms but didn't. I have been paying XXXX since XXXX XXXX, 2018. I have already paid double the amount given.
Consumer complaint received 2019-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a direct deposit elderly XXXX single female customer of bank of America for many years. My Social Security income is all I have. If I don't get the over draft of {$35.00} resolved in 5 days they will charge another fee.. I will not have direct deposit for another month XXXX XXXX. I have no one to help me, I live alone. I have no money to pay for doctors visits or my medication for this month and now next month because of the fees. I am XXXX and unable to work. {$70.00} is a lot out of my income. They will get the money automatically before I can use my Social Security check direct deposit XX/XX/2019 to cover the overdraft. I have no income until then. 
The over draft was created by my life insurance which I can not afford and intended to cancel after only having it for less than 2years. I don't have family to help me. I will have to cancel so this does not happen next month. I don't know what to do I am helpless. 
As of this date XX/XX/2019 I am over drawn by {$48.00} which includes the {$35.00} fee already posited by the XXXX it will be another {$35.00} fee
Consumer complaint received 2023-04-02
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. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (TX)

This company, Resurgent keeps harassing me, through all communication, over a canceled debt, from a company ( XXXX ), that no longer exist. The debt would be over 10 years old. Past Texas ' statue of limitations, anyway. I told them to stop emailing/calling me. So, they started sending letters. I was also, told it was two debts, cause one company had bought the other. Though, one no longer exists.
Consumer complaint received 2024-02-26
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-02
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. (NY)

As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX, Transunion and XXXX reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.
Consumer complaint received 2021-03-02
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. (NJ)

Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.
Consumer complaint received 2021-06-02
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. (NY)

As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX XXXX and Equifax reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} DRS XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a human being that is filing this complaint with the CFPB. I recently sent documents over to Experian on XX/XX/2021. I disputed XXXX XXXX XXXX accounts as they were of identity theft. To my knowledge all were a part of identity theft and I file an FTC report along with a police report. As of XX/XX/2021 XXXX of the identity theft accounts XXXX XXXX were removed and XXXX  remained. Well that makes no sense because if all XXXX accounts were of identity theft why would XXXX remain and all were from identity theft? If all XXXX accounts are identity theft why arent all XXXX removed? I dont know if that was a system generated mistake but it needs to be resolve immediately and permanently by the end of the day on XX/XX/2021 or I will file a lawsuit. I need a supervisor to take a look at this. I have contacted Experian to see why the accounts remain on my consumer report and it has been more than 60 days that these accounts are on my consumer report. I need to see evidence of the procedures during this dispute and who did it and how it was done. I have asked for detailed disputes record and I havent received a darn thing. This is becoming frustrated dealing with Experian. I have come across rude and disrespectful agents who dont respect me as a consumer.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I found a vehicle on XXXX on XX/XX/XXXX. I communicated thru XXXX with the seller ( XXXX XXXX ) and he contacted me the morning of XX/XX/XXXX. After communicating via email XXXX his email address is XXXX XXXX, I decided to purchase the vehicle, which was a XXXX XXXX XXXX. I viewed the XXXX  XXXX and the VIN and vehicle history checked out. According to XXXX XXXX, he was out of the country. The vehicle was his XXXX 's and he preferred to use a broker to finalize the sale. The money would be wired to them, they would hold the money until I received the vehicle, and after 7 days if nothing was wrong with the vehicle, the sale would be final. The purchase price included shipping to me in XXXX, SC. So, the afternoon of XX/XX/XXXX, I wired the money to the auto broker 's account with XXXX. I was in contact with XXXX XXXX, who was the sales manager with XXXX XXXX XXXX XXXX. He sent me a Bill of Sale, I signed it, and sent it back to him vie email. he then sent me wiring instructions, and I went to my XXXX XXXX branch and wired the funds to the XXXX account referenced in the wiring instructions. I was then in contact with XXXX XXXX thru XX/XX/XXXX. That was the last day I spoke to either party. I emailed and called them with no response. On Sunday, XX/XX/XXXX, I searched the sellers email address on XXXX and his email address was mentioned over 10 times, quoting the exact words to me in his email, but for different cars. The next morning I called XXXX, got in touch with a man by the name of XXXX in their Wire Fraud Department. I told him what happened, he froze the account and advised me to get XXXX to send him a Hold Harmless Letter so they could send the funds back and also he would send a SWIFT message to them to let them know what happened and that this was possibly a fraud attempt. I then went to see a banker in the XXXX XXXX branch of XXXX XXXX by the name of XXXX XXXX. He started a claim for me because it was an in-branch transaction. It is XX/XX/XXXX, and XXXX XXXX refuses to send XXXX the information they need to release the funds back to me. They claim they have tried 5 times to reverse the wire, but this has all come after XXXX froze the account. I have been advise to file a fraud claim with the FTC and to file a police report.
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (CA)

As I try to fix my credit I am approaching unpaid debts and paying settlements around 30-40 % of the original debt as my budget allows. I have closed out all my accounts this way except Mariner Finance. When I contacted them they were inflexible and vindictively started late fees on my account because I could not pay the full amount. Upon examination of there reputation I found they are considered a predatory lender by these XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the firm that runs Mariner is a tax fraud and emblematic of their greed machine. 

XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount {$2600.00} -
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allgate Financial, LLC (AZ)

XXXX XXXX XXXX  reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response. 

XXXX XXXX XXXX is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt. 

I called XXXX XXXX several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I signed up for a Bank of America XXXX XXXX Master Card. I  specifically asked the flight attendant who was selling the cards for BOA if there was an annual fee. She said no. BOA charged me a fee. I called BOA on XX/XX/20 and after spending approximately 35 minutes the agent said that BOA would not waive the fee and the only way for them to do so would be for BOA to close the account which would adversely affect my credit. I asked to speak to a supervisor and the agent said no. I asked to speak to XXXX XXXX, CEO, and the agent said no. She said that any escalation of the issue would reflect poorly on her. I said that I empathized with her, given that BOA put me in the exact same situation. She declined to provide her name or an identifying number for the call, other than to say that she is in West Virginia. She then transferred me back to the number that started the process. BOA must refund the {$59.00} annual fee immediately and stop the deceptive advertising and stop silencing customer complaints.
Consumer complaint received 2020-10-24
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. (MN)

I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.
Consumer complaint received 2020-11-24
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. (NV)

I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.
Consumer complaint received 2019-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Dear Sir or Madam, This letter is intended to request the credit bureau to remove a negative mark that was annotated on my record. In 2016, my XXXX XXXX XXXX XXXX XXXX account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX XXXX of registration cancellation
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (IN)

Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid. 
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items