davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (GA)

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XXXX XXXX, XXXX. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX JA XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Consumer complaint received 2023-05-31
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The creditor XXXX XXXX XXXX XXXX is furnishing FALSE credit information to a third party ( TRANSUNION ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency TRANSUNION is negligent in their duty to investigate this disputed information for XXXX XXXX XXXX XXXX opened XXXX XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. TRANSUNION is furnishing late payments on an extension of credit on behalf of XXXX XXXX XXXX XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including TRANSUNION in a XXXX along with XXXX XXXX XXXX XXXX!
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/XXXX I filled fraudulent transactions on my account in which moneys were taken out of my account without my authorization over the amount of 2000, i have provided documentation s and have cooperated with B of A in which have not been recompensed. They claim that I have been with them for over 14 years when in reality i have not. I filed a police report and pressed charges against XXXX XXXXXXXX XXXX XXXX XXXX  doesnt speak to me anymore and i still have not received anything
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (AL)

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. 

Account name 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 DEPTEDXXXX  XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-16
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: OPORTUN FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00}.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The company has failed to annotate the dispute. I have requested method of verification and they did not provide that nor did they provide proof of consent on the contract. Beyond any reasonable doubt, they did not show that they were able to verify it, in person as the law states.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

XXXX XXXX XXXXXXXX XXXX Other {$560.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXXXXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 0 Months Credit Limit Not Reported Highest Balance {$560.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Remarks Placed for collection.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

On XX/XX/year> my financial institution made injury to pay off my credit card from a home mortgage loan I took out to pay this card among other debts. The representative from Citibank gave them the information to do so and my financial institution remitted the payment by certified instrument and overnighted the payment to them that arrived at the payment receipt center with tracking verification. Citibank held the payment until the XXXX claiming they had no idea it was sent. unknown to me or the financial institution a request for payment was sent to Citibank leaving a balance that I immediately paid later on the XXXX and funds cleared the XXXX. this payment was made in the allocated interest free period, and no interest should have incurred. I was informed by their agent out of XXXX as they use them to answer calls and debit accounts that the account will be satisfied on the XXXX. As of the billing cycles end. I was never informed that the account was incurring daily interest until I received an email on XX/XX/year> demanding additional interest that they credited to the card making a XXXX balance to increase to an owing balance claiming I owed addition interest in order to satisfy the account. An account that should have been paid in full on XX/XX/year> including all interest occurred continued to draw daily interest that they fail to inform my Finacial intuition that was making this large payment on my behave. They then claimed in phone communication that they do not make a closing payoff nor freeze the interest which occurs daily on the sum and that the interest charge was a legitimate charge. I informed them that I believe this is predatory practice and failing to disclose the interest never end is in violation of lending and this practice makes it impossible for the customer to ever know what the final or closing amount will ever be and they are not entitled to further interest due to failing disclosure that payment request is not the complete payment and interest continues daily.
Consumer complaint received 2024-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX sued me for credit card debt, but they bought the debt, and when filing the lawsuit, they presented it incomplete, without important documents, such as the XXXX, the authorization from the defendant where it is explained that she accepts the debt, my debt was with CITI BANK XXXX not XXXX XXXX XXXX, they did not add the breakdown of the credit card expenses, they only added the total amount of the debt, they are accusing me of unlawful enrichment, but they are not proving how I became rich, because they did not send the documents to support the lawsuit, they did not send me a letter 5 or 6 days before informing me that they had bought the debt, and I have a hard inquiries on my credit report because of them, they know that debt was a charge off and was closed by Citi Bank and XXXX reported the debt as a loss to the IRS. and they did not send me the document of the debt losses, and they are claiming in the lawsuit that they suffered losses when that part is not true.
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo knows as well as I do I was either sold a lemon or XXXX was shutting my vehicle off. They know that and they chose to not even help me at all in this situation. And the saddest part of this I never really tried to take legal action when my family of XXXX was stranded 3 times in this vehicle, XXXX states away at that, and they are still harassing me even though I send them what I can. Then I had to spend the car payment twice because all XXXX of us had been stuck out of town twice with a vehicle the broke down 3 times. A XXXX  XXXX XXXX at that. I also tried calling XXXX XXXX in XXXX ga to get some of the money refund to Wells Fargo on the unused maintenance packages and things that where parts of the loan. Thats about {$3500.00} at least in itself. Wells Fargo refuses to harass me and my family but dont have the never to call and bother a dealership that might have the financial means to fight back. No lawyer would take our case, if they would wed go to court. Id be delighted to take all this to court. We all would including the co-signer. They all did us wrong on this. Wells Fargo and the dealership. XXXX, left us all hanging with a vehicle that didnt work for 3 months. And they still want at least XXXX
Consumer complaint received 2022-12-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I purchased a XXXX XXXX XXXX on XXXX on XX/XX/2022 using a loan from XXXX. The bag arrived with staining and a strong smoke order that wasnt disclosed at the time of the sale and was missing the crossbody strap. I contacted XXXX about being refunded they said for me to file a claim with XXXX but when I contacted XXXX  they said that XXXX would have to file the claim as they didnt send a bag to me with staining, smoke odor and missing strap. They eventually agreed to refund me after I posted on their social media pages several times as long as I sent the bag back to them. I sent back the XXXX XXXX bag and the XXXX tracking number is XXXX. XXXX said a pink bag was in the box and included a blank picture attachment to the email and mailed me back a pink purse denying my refund. I did not send them a pink purse so I sent it back to them ( tracking # XXXX ) because that is not what I sent to them and they never sent anything back. XXXX ruled in the merchant favor. The merchant kept the XXXX XXXX XXXX I sent them and is making me responsible for paying for merchandise that I no longer have. I contacted XXXX asking for copies of documentation provided from the merchant in regards to the dispute and they refuse to explain to me how the dispute was closed in the merchant favor being I shipped the item back to them and then refusing to process a refund. Now Im stuck with a loan that I dont even have the merchandise for.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-12-16
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)

When I reinvestigated my credit report, I realized that still, the account was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (KY)

On XX/XX/2022 Pursuant to the Federal Truth in Lending Act ; I requested the return of my deposit in the amount of {$1800.00}. 
Pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) I sought damages in the amount of {$42000.00} as well as damages for each violation in the amount of {$4000.00}. I also requested the cancellation of any lien against my property, within ten ( 10 ) days as required by law. 

In return, was sent a letter from the dealership dated XX/XX/2022 stating. " Thank you for your request. We have reviewed your account & have verified that you still owe the amount due under the contract. Additionally, we have determined that you are still in possession of our vehicle. If you have any further questions, please contact us at XXXX. We are available from XXXX XXXX to XXXX XXXX Arizona time, Monday through Friday, Saturday XXXX XXXX to XXXX XXXX '' They are attempting to collect {$38000.00} on a {$19000.00} loan. Charging me {$16000.00} at an annual percentage rate of 23.111
Consumer complaint received 2022-10-14
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. (SC)

The company has been Experian including false debt reports of XXXX owed on my credit report. I've reported that they had information that was false on my account on multiple occasions. But they refuse to remove it or update my online account information. I thought that it was illegal to add medical debt on a credit report for a bill that's already paid off, plus the bill wasn't even overall. Also, There are more than XXXX accounts listed for companies that I don't even owe money too as well.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MS)

I submitted full payoff amount to the CEO of TD Auto Finance. I sent two certified letters with full payments under XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent got a response from them or even a call to discuss. I sent the full amount and I got centerfield return receipts.