davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: United Revenue Collection Service (PA)

On XX/XX/2019 United Revenue collections added a derogatory mark on my credit report per XXXX XXXX Upon further research, the account was transferred/sold and I am not responsible for the account. The debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can say its mine. According the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail. 

CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I tried applying for a extension of credit and I tried to open a bank account and I can not because there is a fraud alert and or freeze on my consumer report that I called in and asked transunion to remove they refused to remove it and told me I need to write them a letter to have it removed. I wrote them a letter that was mailed on XX/XX/22 asking them to remove the fraud alert. It is still on my consumer report. And Transunion owes me for previous violations.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (PA)

This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CAPITAL ONE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 time
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I Dispute this account to Experian, XXXX, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
Consumer complaint received 2022-11-24
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. (GA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2022-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (RI)

Upgrade Bank advertises direct deposit capability on their XXXX XXXX account with a 3.5 % apy. Unable to set up direct deposit for over a month and a half and having repeatedly been lied to that since this is a new product, they are trying to iron out a glitch, Im finally being told today that direct deposit is not a feature available with this particular savings account and that I can only deposit funds via bank transfer. This is despite the fact that on the companys own website, there is an FAQ page explaining how to set up direct deposit on this type of account. When confronted with this discrepancy the phone representative mentioned that she would check with upper management. This is beyond deceptive and needs to be addressed to people dont open accounts and get misled by greedy banks.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
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: BMO Bank, N.A. (WI)

So I got scammed by a company that hired me. They deposited a check into my account that was fraudulent and the fraud department terminated my account even though I was not the one that deposited it. It was deposited on XX/XX/2022 and I do not know the amount because I was unable to see it due to them already locking my account from me. It was seen as a high risk and I could no longer bank with them.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (IL)

HELLO I REALLY NEED ATTENTION ON THIS CASE MY NAME IS XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of XXXX years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2022-11-28
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: OneMain Finance Corporation (TN)

This Company One Main Financial is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap
Consumer complaint received 2022-11-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

I purchased a XXXX XXXXXXXX XXXX with a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, later discovered it was rebuilt XXXX XXXX XXXX XXXX XXXX. But, I held vehicle for the sake of my large family, a household of XXXX. 

XXXX XXXX XXXX received my down payment and financed the remaining balance through Westlake Financial Services The vehicle had many issues but for the sake of having a XXXX to support my entire household, I kept the vehicle and made the necessary repairs. 

Then, I started divorce processings in XX/XX/XXXX and was left with only the vehicle. So, I chose to forfeited the vehicle in late XX/XX/XXXX. In which, Westlake Financial, agreed to recovered the vehicle and sent tow truck take possession. 

After, the recovery of the vehicle, Westlake Financial continued reporting the loan as active and begin reporting late payments to my credit report for 7 months. 

Now, Westlake Financial lodged a lawsuit against me. 

The facts of matter is the loan was for {$12000.00} after my down payment with a monthly payment of {$390.00}. 

My payments made to Westlake Financial Services totaled {$11000.00}, 29 months of payments before my voluntary forfeit. 

Then, Westlake Financial Services sold the vehicle for more than {$1000.00}, which is the remaining balance on my loan. 

Yet, Westlake Financial Services is suing me for {$5500.00}. 

Westlake Financial Services falsely reported the loan as active and made false report to the credit bureaus stating the implying I still had possession of the vehicle and failed make my payments. 

All this after, Westlake Financial Services had full possession of the the vehicle, after my voluntary forfeiture, and sold the vehicle at a profit of the total loan of {$12000.00}. 

Yet, Westlake Financial Services still felt it was necessary to fill a lawsuit for {$5500.00} In my heart, I know the is some type of violation being committed by Westlake Financial Services. 

Im hope there is some type legal remedy stop this abuse by Westlake Financial Services
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

The debt company that was trying to collect a " debt '' from my wife and I, is IQ Data International In. They started calling us back in XXXX and XXXX demanding that we pay a debt of {$310.00}, that we owed to an apartment establishment we were renting from prior. I told them we have never received a letter or notification about this after moving out. I asked what the charges were for and they explained to me it was for unpaid utilities. I went back and forth with the employee for 30 minutes about how all the utilities except electric was included into the rent. He began to tell me that, that's not how rent and utilities work and that I had back charges. I let him know again that the utilities were included in the monthly rent and all he kept saying was we needed to pay or it will be sent to collections. I then told him the XXXX XXXX sent us a check for our XXXX  and asked why that happened if we owed them anything. He could not answer and kept telling me if we didn't pay, the amount is going into collection. 

After a week passed since talking to someone for IQ Data, I received a notification on my phone saying that my credit score has changed and that there is an account in collections. This was XX/XX/2022. I then submitted a dispute on this account on XX/XX/2022. I called IQ Data and asked for a dispute hotline and was given an email. The investigation was completed on XX/XX/2022. The only results I gotten back was " XXXX investigated your dispute but did not change your information '' and I was left back at square one. 

Upon filing a dispute through XXXX XXXX, I also sent an email that was provided to me by an IQ Data employee. I sent the email on XX/XX/2022 with multiple attachments of my rental history/payments. All which were provided to my the leasing office of the apartment I rented from. It showed everything I was paying and at the bottom of the document, it showed all the last charges from the last month I lived there.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (GA)

I am submitting this 12th CFPB Complaint to you today to request once more to remove the disputed accounts that resulted due to identity theft. Despite my multiple attempts to correct my Credit Report, you have been persistent in ignoring my requests. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. Someone has stolen my identity and opened these accounts without my knowledge. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in my previous complaints as well as in this Complaint. Please remove the items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts that you should have removed : XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance:XXXX. You have also been failing to send me copies of proof of verification from your supposed investigation and yet I received nothing. I doubt if you ever really conducted any investigation at all. Under the Fair Credit Reporting Act section 605b, I need you to remove the disputed fraud information from my Credit File.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc. (IN)

XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital forced shots and I'm in a data breach with XXXX XXXX XXXX XXXX and online college XXXX and student loans done not y me
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports