davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX a division of the XXXX XXXX is withholding {$2100.00} after a matter had been resolved involving a charge back from one of our customers on XX/XX/XXXX. They never during this entire event sent any kind of dispute documentation, notification of withdrawl, nothing. We finally reached a supervisor on XXXX XXXX, 2017 who in writing promised that all funds would be returned the following day. WE HAVE THIS LETTER. They are claiming this was a mistake and have not released {$2100.00} of that deposit, causing payroll and business problems.
Consumer complaint received 2017-12-11
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: EQUIFAX, INC. (IL)

I have contacted Equifax on several occasions in regards to accounts that I have that are in good standing and being paid on time. I spoke with a representative today ( XX/XX/2017 ) in regards to the dispute that I sent in to them at their request. Equifax requested copies of my identification and proof of social security card. The representative told me that the dispute was resolved and the accounts have been added. I am still unable to see these accounts on my credit report with Equifax only. Please let me know if there is any information that you need from me to resolve this issue.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

I have proof that Bridgecrest, affiliates of XXXX, has violated my and my husbands Fair Credit Reporting Act ( FCRA ) rights. Bridgecrest provided you and the credit bureaus with false statements and representations regarding my husbands total loss vehicle accident, which was fully covered by Gap Insurance. In short, Bridgecrest initially threatened via phone me right after my husbands accident on XX/XX/XXXX. Bridgecrest stated, as my husband was in a XXXX, that we were about {$7000.00} late on the truck payments and that I still owe them for the month of XX/XX/XXXX. This was still the case after I provided Bridgecrest with XXXX XXXX total loss certificate and all other required documents that were needed to proceed with closing out this insurance. XXXX also paid Bridgecrest in full, yet Bridgecrest still requested the $ 7,000+ for payments that were never late. After another call and dealings with the credit bureau, I did get the matter closed. However, over the phone, Bridgecrest insisted still that payments were late and fraudulently placed them with the credit bureaus. Over the phone, Bridgecrest said that if we pay them the {$7000.00}, they will omit the credit reports.

Attached are the payments that Bridgecrest stated were late for XXXX of XXXX. I was unable to procure all four statements for the months they claim that we were late. However, I have XXXX of XXXX attached, one of the dates. My spouse made a deal with Bridgecrest to pay 2x a month, and he had fatefully done so on time. 

CFPB, please take note of the attached statements. There are no late payments from XXXX of XXXX or any other remnants of the alleged late payments. In fact, to pay off the vehicle earlier, my husband paid more and, in some cases, early. 

Im proving a pattern of poor, illegal, and immoral business practices regarding Bridgecrests total loss handlings. I may not have all four months of the alleged missed payments, but the months I do have, show a solid payment schedule and plan. My husband never missed a payment ; he truly loved his vehicle. Due to greed, Bridgecrest is still claiming that the following were missed payments, XXXX, XXXX, XXXX, of XXXX, andXX/XX/XXXX. of XXXX XXXX has proven to be paid attached. Again, I have proven a pattern of poor, illegal, and immoral business practices and a violation of my and my spouses legal rights. 

CFPB, please assist. 

Thank you for your time. 

XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX Enclosures : Bank Statements for XXXX XXXX Thank you, XXXX and XXXX XXXX
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

the following account are not mine, ( XXXX XXXX AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with equifax many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e equifax as well. 
thank you for your help and cooperation
Consumer complaint received 2020-08-31
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: CITIBANK, N.A. (CA)

Citibank called to inform me about a possible fraudulent {$3000.00} guitar purchase in Tennessee in XX/XX/XXXX. I informed Citibank I did not make the purchase. CITIBANK said it would be taken care of. Citibank did not correct the charge and proceeded to make automatic monthly payment withdrawals from my checking account, unbeknownst to me, until I noticed it in my bank statement this month. Citibank had me pay a XXXX, XXXX minimum payment so that my credit rating will not be affected until Citibank purportedly will resolve the matter.
Consumer complaint received 2020-12-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to TransUnion that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This TransUnion and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by XXXX XXXX XXXX, https : XXXX and is being reported by TransUnion. I have disputed the entry with TransUnion unsuccessfully.
Consumer complaint received 2020-11-01
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: TD BANK US HOLDING COMPANY (CA)

The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute
Consumer complaint received 2021-11-27
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. (MN)

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, TD Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

On or about XX/XX/XXXX, I reported fraudulent activity on SunTrust MasterCard Prime Awards credit card and requested a replacement card. Upon receipt of my card a new available credit balance was reported to the three Credit Bureaus on XX/XX/XXXX. Although my statement date did not end until XX/XX/XXXX! This resulted in TWO statement balances being reported to the Credit Bureaus WITHIN the statement cycle, resulting in reporting a high utilization and low available credit report BEFORE the XX/XX/XXXX payment due date and before the 30 day cycle. Because this showed that my credit utilization had INCREASED from 32-92 percent usage, all three Credit Bureaus dropped my credit scores by 24-32 points due to this error. I did request correcting this error in reporting to SunTrust on about XX/XX/XXXX and approximately two weeks later, a dispute was filed in my behalf by Suntrust with SOME of my lost credit points returned. In the meantime, my original statement date of XX/XX/XXXX was also reported to the three Credit Bureaus. My utilization as a result of my on-time payment resulted in a utilization of 28 %. However, AGAIN SunTrust reported a 2nd utitlization report to the three Credit Bureaus on XXXX-14 days into the 30 day statement cycle. And this AGAIN, impacted the credit scores of both myself and my 2 authorized users. As of today the impacted score is a 33 point drop! Today, I called card services to make another request to correct this repeated error. However, if the reason for the duplicate statement report is not corrected, this problem will continue to repeat in violation of the Fair Credit Reporting Act. What's more, there is no individual to speak with to resolve this issue when SunTrust is called on its own " 800 '' Card Services number other than customer service reps who have no information to explain or resolve the issue with the same rapidity in which this error occurs. What's more, these error along with the resulting lowering credit scores are impacting my ability to apply for the PPP loan, as well as refinancing my home mortgage. This is likewise true of my TWO authorized users. I request not only that this issue be corrected permanently with the three Credit Bureaus, but that it be resolved within the next 3 business days.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These inquiries should not be on my Consumer Credit Report.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (GA)

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted Experian, XXXX, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Consumer complaint received 2020-06-02
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-09
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. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2021-11-01
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. (FL)

On XX/XX/21 TransUnion was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report. TransUnion failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent TransUnion a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed. I also attached my consumer report and labeled 11 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to TransUnion nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Consumer complaint received 2021-04-08
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. (TN)

I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Medical Society Business Services, Inc. (AZ)

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (MI)

They responded to the previous compliant that they have corrected the issue. This has not been down and they are falsely claiming it to CFPB and XXXX. They still have not provided the {$1200.00} and will not respond to my phone calls and emails. This issue is now over 75 days since the loan was applied for and 45 days since the financial discrepancy without any resolution. 

I am including a letter with my timeline of the issues and of the solution I expect at this point. Since XXXXUpgrade refuses to engage in any type of productive conversation or discussion other than telling me they are working on it and will call me. I have been hearing this for 30 days now!!