davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I recently pulled my reports and noticed you are reporting the incorrect balances, and company names for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the balances and company names being reported by XXXX, XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to Experian and XXXX as a result nothing was done.
Consumer complaint received 2021-05-31
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. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXXXXXX with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2023-04-10
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. (TX)

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (PA)

The checking account was opened on XX/XX/XXXX and funded with an initial amount of {$250.00}. I applied for the account using a promo code and offer with the following terms, I expected to receive a {$400.00} sign up bonus after satisfying the terms of the offer, which I did as of XX/XX/XXXX ( 60 days ), my last qualifying direct deposit was on XX/XX/XXXX. 
Promo code XXXX Offer terms : sign up b/w XX/XX/XXXX and XX/XX/XXXX. Complete recurring direct deposits of 2 or more that total {$5000.00} or more within 60 days to receive {$400.00}. Payment within 60 days of verification ( which would have been XX/XX/XXXX ). 
Direct deposit # 1 - XX/XX/XXXX - {$2500.00} Direct deposit # 2 - XX/XX/XXXX - {$2500.00} Having not received the bonus deposit, I followed up with customer support starting XX/XX/XXXX. They did not dispute the promotion being attached to my account. They asked I wait for some time to pass. I followed up after some time and had some back and forth emails. Customer service indicated the direct deposits ( from my employer and via payment processor XXXX ) were coded as funds transfers. I provided proof of the paycheck direct deposit in the form of statements directly from XXXX. As of XX/XX/XXXX they informed me that they could not make an exception due to the way the deposits were coded, hence I am lodging my complaint here.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/XXXX, Myself and Co-buyer negotiated and entered into the enclosed Retail Installment Contract ( the First Contract ) with XXXX XXXX XXXX XXXX XXXX ( the Dealer ) to purchase a XXXX XXXX XXXX ( the First Vehicle ). Under the First Contract terms, we agreed to pay a total of {$20000.00} in 66 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. The same day, myself and Co-buyer negotiated and entered into the second enclosed Retail Installment Contract ( the Second Contract ) with the same Dealer to purchase a XXXX XXXX XXXX ( the Second Vehicle ). Under the Second Contract terms, we agreed to pay a total of {$17000.00} in 57 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. We also agreed to an Annual Percentage Rate of 22.99 % for the First and Second Contract using Credit Acceptance Corporation to secure the loan. During that time Credit Acceptance Corporation was not in compliance with state filings and other business requirements to conduct business in the state of NJ. Credit Acceptance Corporation Treasurer XXXX XXXX in fact filed a Certificate of Withdrawal with New Jersey Department of Treasury on XX/XX/XXXX hereby terminating the companys license to do business in the state of NJ as of that date. Therefore my loan was fraudulently obtained on XXXX XXXX due to Credit Acceptance Corporation being deceptive and unable to do business legally in state.
Consumer complaint received 2024-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (IL)

We want to file a complaint against XXXX XXXX and Chase Bank due to what we believe is predatory loan & equity stripping. Our home equity is around {$660000.00}. We apply for a home equity loan for {$300000.00} to fix and update our house for 22 years. Here is the offer from Chase Bank XXXX XXXX XXXX. 

" A counteroffer proposal has been given. With a loan amount of $ XXXX. We would pay off all debts on credit reports of {$89000.00} in student loan, revolving, and installment debt. Plus, the current Chase mortgage {$9000.00}. You would receive cash out of {$130000.00} XXXX business days after signing with a notary at your home. '' For your information, our XXXX XXXX as of today is XXXX. I checked it through XXXX XXXX. The fees are ridiculous. And why are they forcing my wife to pay off the college loan? She just graduated last year and didn't work because of her injury and shoulder XXXX. 

We can not accept the proposal. Even before seeking legal advice, we hold the right to decide where to allocate the money we have worked hard for decades. They can not use it against us regarding student loans. Despite that, we are still in a better financial situation than most average households. The student loan is not delinquent at all. The company handling that loan still needs to start the billing. They have yet to require me to pay. 

Our mortgage is almost paid, too. We will not let people dictate where we want to allocate the money wisely. We do not have to proceed with our transactions with them and lose money by being dictated to us this way. We are not desperate. We can continue paying off our mortgage ( around XXXX {$9000.00} ). As far as we are concerned, we own 95 % of this house. We are not new home buyers. 

Respectfully yours, XXXX & XXXX XXXX
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The consumer reporting agencies are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .I did not give them any written instructions to furnish this on my credit report. I sent certified mail and feel like Im being taken advantage of and being ignore by my disputes. I demand these accounts to be deleted immediately or I will file for ligation.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc. (CA)

Skrill com froze my account for NO REASON. I was already verified, with I'd and everything they locked my money over XXXX dollars so I can't use it and then they started charging me fees that they have never charged in the 3 years I've been with them. They also stopped answering me and now my accounts help messages to customer support get closed immediately, nobody 's even reading my cries for help and the money is rightfully mine! I told them I would pursue legal action and they laughed at me.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section A states I have the rights to privacy. 

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been disputing XXXX XXXX with XXXX, Transunion, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX. 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.
Consumer complaint received 2023-04-10
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. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.
Consumer complaint received 2023-04-10
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called the credit card company XXXX XXXX on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TX)

I have american express rewards checking account. I scheduled an outgoing transfer from my american express rewards checking account to my ally savings account on XXXX XX/XX/2023. When i tried to confirm this transfer, American express customer service is clueless whether this transfer is happening or not? 
I told them multiple times but customer service of no help at the first place. On top of it, when i tried to cancel that transfer - I can't do that. 
Fundamentally American express is wrong that even a basic outgoing transfer is not happening. Then somebody called and talked to my spouse and making all sort of excuses like it depends on other institution. My spouse told that it was started from this american express so tell what is happening and they have no idea. 
This is the second time this is happening to me with this american express checking account. 
CFPB should not just act like mere mail forwarder and toothless agency. 

Ban American express from running any banking. They can only do credit cards and nothing else.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (FL)

This is my 3rd time I reached out to XXXX  about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: Bayside Credit (CA)

I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF HAWAII CORPORATION (MT)

Someone opened a fraudulent bank account with the Bank of Hawaii and then used that bank account to open a XXXX XXXX XXXX. I've contacted both companies and started a fraud and police report. I've also started to review credit reports and see if I can detect any additional issues. I also reported Fraud alert with XXXX.
Consumer complaint received 2020-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,
Consumer complaint received 2024-03-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP (NC)

I am getting harassed by Pressler, Felt & Warshaw, whom claim I owe {$18000.00} for a student loan which is completely false. Ive went to a college for about a semester & a half and my mother paid for the XXXX XXXX I attended. They keep sending mail to my mothers house and threatening to garnish my paychecks for a student loan which I never took. My mother gave them my current address and now I received a letter saying they will garnish my paychecks as of XX/XX/2024. I am currently seeking how to file a motion to stop the garnishment. I have sent a letter that I attached below disputing the claim XX/XX/2024.