davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (OH)

I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable. Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : 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 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from 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
Consumer complaint received 2022-10-21
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. (TX)

Equifax Closed my complaint within 1 day without investigating anything I started a car deal for my wife. She filled out the credit application and signed it. 
I did not- I did not want my credit pulled as i was not going on the loan I only went the dealership first and looked at the cars. I DID NOT SIGN A CREDIT APPLICATION, THERE IS NO WAY THIS IS LEGIT PULLS AGAINST ME. My wife signed the credit app and it was not a joint app. 

They never took my SSN, address, anything. I did not fill out the credit app. 

They pulled my credit and shotgunned it multiple locations and banks. I want them removed.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (LA)

I financed a vehicle through Consumer Portfolio Services ( " CPS '' ) on XX/XX/XXXX by means of a fraudulent loan that made material misrepresentations of the finance charge. According 15 USC 1605, the finance charge must cover insurance premiums, but the contract has an unconscionable adhesion agreement that binds me into paying for my own insurance. The fourth page of the Contract states that [ y ] ou agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must also include our interest in the vehicle. 

This is a pattern for CPS. I spoke with a supervisor at CPS, who confirmed that CPS never covers insurance. On XX/XX/XXXX, I rescinded the contract and demanded a refund in the amount of {$16000.00} pursuant to 15 USC 1635 in a commercial affidavit of truth that required a rebuttal and listed approximately 11 code violations. 

CPS never rebutted that affidavit, but instead sent me a letter acknowledging its receipt of my affidavit, making derogatory statements, and proceeding to demand payments from me. That letter was dated for XX/XX/XXXX. CPS CPS has NEVER denied any of the allegations or made any attempt to prove that the contract is valid and has refused to issue me a refund as required in 15 USC 1635. 

Not only is CPS refusing to refund me XXXX in payments as required by law, but I have spent approximately {$18000.00} on unnecessary insurance premiums. The fees charged by CPS are not a finance charge. CPS is simply using adhesion agreements to cover its fraud. CPS is illegally pocketing this money and intends to use its bogus contract as a frivolous defense. There are hundreds of thousands of consumers that have been affected. 

CPS has not taken any action to terminate the security interest on the vehicle so there remains a threat of unlawful and illegal seizure in retaliation for asserting my rights. CPS has a long history of complaints with the FTC, XXXX, and class action lawsuits.CPS is fully aware of its misconduct and does not intend to make this situation right.
Consumer complaint received 2021-11-18
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: Santander Consumer USA Holdings Inc. (NY)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Account Number XXXX XXXX  This is not mine.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.coinbase.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX  to www.coinbase.com with the help of the scammer. I transferred my virtual money from www.coinbase.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the www.doexoll.com was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The www.coinbase.com here in America did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.coinbase.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.coinbase.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable news for them to do a live investigation about this!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (CT)

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 Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-21
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. (IL)

Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.
Consumer complaint received 2019-09-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (TX)

At the start of this loan I had a call to my place of employment. My job has two telephone numbers. They are XXXX and XXXX. Not sure which one they are calling. However I requested that GM Financial only contact me on my cell phone. That request was honored until I was late paying. So far I have told GM Financial three times to stop calling me at my job but yet they keep calling. They call on my cell phone I answer and tell them that I cant talk because Im at work. We disconnect and then they call my work telephone number. 

The collection practices they are utilizing is very time consuming and distracting for me at my place of employment. Its causing anxiety/panic attacks. If they continue I won't be able to maintain my employment.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

I purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if I missed paying in full by the deadline. I had the account on monthly autopay paying about 2x the minimum amount. Then, without any warning, the deadline date to pay in full came and passed. Therefore, interest at 29.99 % ( is this amount even LEGAL? ) was added to my bill as of that date. I never received ANY KIND of notification from the credit card provider that the due date was coming and that I should make the payment in full to avoid the charges. It never dawned on me that the Company would let that date come and NOT warn me that the amount was due. I was over 18 months ago ( two-year program ) and I forgot about the obligation. They just kept showing the auto payment and it seemed as if everything was OK. Not sure how its legal not to make proper communications with me. Yes, if I logged on to look at the monthly bills, there was a note that the date was approaching. However, for them not to put that in their normal email correspondence to me is very mis-leading and deceitful. I am sure other companies do this as well, but I will never do business with Synchrony Financial again given their refusal to give me credit on the interest now that the account has been paid in full. Wanted you to know b/c I am sure lots of other customers are getting hit with the same deceitful action.
Consumer complaint received 2022-08-19
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. ()

I filed a complaint against XXXX XXXX and Equifax regarding case number XXXX. As a result of my dispute regarding XXXX being listed as a " Mortgage '' on my credit bureau and requesting for this to be removed due to errors in reporting among other things I disputed regarding their abusive and bullying antics. 

My score as of XX/XX/XXXX was a XXXX according to XXXX as I have been watching it daily because I have been trying to fix my credit and purchase a home. 

Equifax and XXXX as retaliation for my dispute has tried to further damage my credit by reporting incorrect information. At this point this was done intentionally and willfully. XXXX XXXX XXXX  are used to ruining peoples credit and Lives with the Pyramid Ponzi schemes they have been allowed to get away with for years. They know if they report this loan as a " Mortgage '' it will FORCE people to pay when all along they would never ever be able to have access to the Resort. They also know how much damage this can do on my credit report. This was already reported negatively on my credit in XXXX when I stopped paying and listed as a charge off. As a result of " Equifax Supposed Reinvestigation '' they made it appear on my credit I paid 100 % of my payments i missed 1 payment it went from a charge off status to 180 days late. It dropped my credit XXXX points and at this point I a convinced it was intentional. How is this even legal? I filed a complaint with the FTC for the initial case XXXX but I am filing a complaint for this case as well, this is extortion. XXXX and Equifax should be charged with Racketeering cause this is outright dishonesty. 

I have not made a payment to XXXX XXXX since XXXX and for the record I WILL NEVER PAY XXXX ANOTHER COIN. In turn for me disputing this account with the CFPB Equifax updated the file and posted I had 100 % on time payments when in fact I haven't paid XXXX since XXXX and they have listed as 1 missed payment to purposely drop my score. Disputing an account with the CFPB and credit bureau I should not be retaliated and abused by XXXX. My credit should not be damaged cause they already reported this account years ago negatively. Now they rereport cause I disputed the account? How is that possible? I want answers NOT A COMPUTER GENERATED GENERIC ANSWERS EITHER. They are in clear violation of the FCRA how is this Fair and Accurate Reporting? My credit has dropped XXXX points because I disputed an account that was already negatively reported years ago. They marked it as a charge off then a changed it to 180days late when they keep flip flopping to make it harder to attain any credit. I attached proof XXXX and Equifax intentionally and willfully damaged my credit and are well aware I am in the process of trying to rebuild it.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay. 
2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX Account # XXXX, Has violated my rights. XXXX XXXX XXXX XXXX  Account 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 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET XXXX  RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

I have best buy credit card through citi bank and i noticed from my credit monitoring account that the account has been closed by the creditor and i have received no communication from the bank. Neither by email nor by paper mail which the bank has been claiming that they have sent. 
I am requesting to please look into this because reapplying for the account will effect my credit score as i have already got effected when I applied it for last time.
Consumer complaint received 2022-09-27
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. (GA)

In accordance with the Fair Credit Reporting Act ; this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states the consumer performance agency can not furnish an account without my written instructions. Under 15 USC 1666 B ; a creditor can not treat a payment on a credit card account under a open and consumer plan as late for any purpose.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with Chase Bank and XXXX XXXX. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.