davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was invited to work for a website https : //meijuril.com/ # from a man I know via XXXX. The work is to grab jewelry orders from many brands in the system and earn stable automatic swiping profits and interest everyday. I tried to deposit {$1000.00} first through XXXX and they gave me XXXX orders, after completed XXXX orders I gained commission of {$58.00}. Next day, I received an order of {$6100.00}, I deposited {$5100.00} using XXXX and XXXX bank transfer and that man via XXXX said he will help me to deposited {$1000.00} to them. Then the next day, the system gave me another order of {$17000.00}. I contacted them and asked to cancel that order and they told me they can't. They said the system chose me as a lucky member to receive that order. I'll receive XXXX XXXX flight tickets, XXXX iphones XXXX and XXXX apple laptop and {$7200.00} if I complete it. The system froze my available balance and I need to deposit exactly XXXX. That man that I know told me he will transfer {$7200.00} to that company and want me to transfer {$10000.00} more. I transfer money through XXXX XXXX using the banks that the company gave me. After putting in $ XXXX into that website to complete that order, they did add {$7200.00} to my account then I have like XXXX orders to grab and complete. After completed XXXX orders, my available balance is $ XXXX and I tried to withdraw all my money. They told me to contact their financial department via XXXX. I contacted them and they told me I have to pay 20 % of the tax to them which is around XXXX so they can pay to the IRS first before they disbursed my fund. I believe it and pay XXXX using XXXX XXXX from my Bank of America to their banks in XXXX. and that man said he will help me XXXX more. After paying XXXX tax, they told me XXXX detected the existence of illegal money laundering suspicion of your account, the department of the out of the transfer of XXXX XXXX dollars for the corrective dismissal, and then initiated transfers need to be made to pay the amount of the transfer of 13 % of the security deposit can be a smooth out of the money. After that, I know that I was scammed by that man and the company.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: Continental Finance Company, LLC (CA)

When checking my credit reports a couple months back, I noticed several unauthorized accounts now showing as negative accounts on my XXXX, XXXX, and XXXX. I knew my personal information was compromised and somebody had opened fraudulent accounts under my name. One of those accounts was by Continental Finance Co and shows a balance of {$0.00} and was closed on XX/XX/2020 ( a time where I was not even remotely looking to apply for any credit or lending products ) with a credit limit of {$500.00}, as I had my two XXXX XXXX cards at that time. So, I proceeded to quickly dispute this information on my credit reports through the credit bureaus and get them to ask Continental Finance Co to provide several pieces of documentation including wet-ink signature, date account was opened, how it was opened. All statements, transaction history, original contract, and any and all correspondence between Continental Finance Co and myself through either physical mail or email. I never knew or authorized this fraudulent account and absolutely did not authorize the opening a such an account. I have never even heard of Continental Finance Co before shockingly seeing it show as a negative account on my credit report. After disputing multiple times, they have provided no such documentation or proof that the debt is mine. If this is not resolved, I will strongly consider pursuing litigation as there are multiple FCRA and FDCPA violations pertaining to the reporting of this account, not to mention I have done everything on my end to ensure my personal information is now secure and will not be subject to compromised information moving forward. Since they have disregarded my disputes and violated credit reporting laws, this account must be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and immediately update that information.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

Chase Card charged an {$95.00} annual fee on XX/XX/XXXX that includes travel insurance. In XX/XX/XXXX, I filed a travel insurance claim and Chase has not responded.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mutual Management Services LLC (GA)

Last XX/XX/2022, my credit score dropped XXXX points. I checked and a company called Mutual Management Services reported an account on my credit and said that I owed {$2200.00} to an apartment complex. I advised them that I did not owe that to this company. I provided proper notice and moved out because of maintenance problems. However, in an effort to remove it from my credit, I paid the company {$960.00}. They never gave me credit for paying the {$960.00}. Each time I dispute the account, the collection company reports to the credit bureau that the account is accurate. I am requesting a copy of my signed lease because I do not believe that I owed any one the money that this collection company claims. I believe that the maximum I would have had to pay would have been an early termination fee and I have paid that already.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I have contacted XXXX XXXX XXXX XXXX on several occasions to obtain a receipt of payment for a debt with Synchrony Bank. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
Consumer complaint received 2022-11-03
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I filed a dispute on XX/XX/2022 with XXXX XXXX and Experian, XXXX, and XXXX. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 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 they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and Experian is stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian along with XXXX has been reporting a Bankruptcy on my credit report. I had been disputed this snice 2017, and since XXXX has deleted this report, while Experian and XXXX refused to do so. I have requested the investigation results on each time I have disputed this information an have yet to receive them. Experian and XXXX stated that the bankruptcy has been verified through the courts, bankruptcy courts do not report bankruptcy cases directly to credit bureaus. Experian and XXXX has violating my rights by failing to do a proper investigation. This has since been hurting my affecting my credit and my abilities to move forward.
Consumer complaint received 2022-11-22
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. (KS)

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, Experian ) : XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX  I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and noticed on my discover bank account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-11-03
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. (CA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-06-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-30
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. (FL)

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 2022-10-13
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. (CA)

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. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2008 Balance : {$49000.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved
Consumer complaint received 2022-11-03
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. (MI)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (AR)

I bought a used XXXX XXXX XXXX XXXX about a year ago in XXXXXXXX XXXX  XXXX. I had originally signed up for {$690.00} a month, which is pretty high, but I planned on trading in in on a ton later. The first few payments I paid with auto draft. As soon as XXXXXXXX XXXX payment was due, they claimed it didn't go through, and I paid over the phone. Two days later, it went through. So two payments for XXXX. They refused to apply the extra payment to principal. This has been a reoccurring issue every month, and almost every payment gets returned by them to inoculate more fees, im assuming. So i call and pay over the phone to avoid late payments. Then they automatically take out another payment a few days later. When I called about the returned payments, they said its my financial institution. My bank says its on their end. I have changed banks, same issues. Now my payments are double, a little over {$1400.00} a month. XXXX XXXX after paying, I get a late fee applied. Every time I call to rectify the situation, their customer representatives essentially blow me off. If I pay the {$690.00} as stated in my original contract, I get a late payment applied to my account and dings my credit. Exeter Finance has absolutely destroyed my credit by doing so. Upon further investigation, the dates I paid are incorrect on my account, as well as the total amount using the interest rate I signed up for. This is the definition of a predatory loan that uses usury loan practices.