davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bay Luxury Autos (MO)

I was interested in buying a 2003 XXXX XXXX XXXX  from XXXX XXXX XXXX in California  ( I live in  XXXX XXXX  ). They quit making the XXXX XXXX  so I was looking nationally for a low mileage model with a beautiful XXXX combo. This car was perfect. My first time a salesmen showed me car going around it with the video on his phone. I agreed it was perfect for me. They needed a {$4300.00} deposit which I gave them with my bank card. A day or two later a second salesman called me and want to show me the car again because the first salesman was new. This time it was shown to me that the car had a tear in its roof. I was still interested in the car and told that salesman that I would get estimates on fixing the roof. Well it was a few XXXX dollars to get replaced. I was mailed paperwork but never signed any forms as I now knew I couldnt afford to buy it and get it fixed. The company has refused to give me even partial deposit back. I consulted with a lawyer who mailed them a letter asking for my deposit back but they never responded to the letter. Please offer any help or advice you can. Thank you!
Consumer complaint received 2022-09-26
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. (TX)

I Did not give written consent or permissible purpose to report this account to my consumer report. this is a clear violation of 15 usc 1681b ( 2 )
Consumer complaint received 2022-09-26
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. (FL)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2022-09-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX 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 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

NAVIENT is my fed student loan servicer and ever since the federal moratorium has been in affect, i am constantly being hounded by Navient with phone calls and texts to pay my bill. In the month of XXXX I have received a call almost every day. And now I am getting letters from Ascendium warning me that they will be reporting to my credit sources if i don't make a payment by XXXX My understanding is that Biden told loan servicers NOT TO CONTACT THEIR STUDENT LOAN BORROWERS DURING THE MORATORIUM. So why is Navient getting away with this harrasment???
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

There are several fraud charges on my card and the company is holding me responsible. I reach out to the company twice and even send my travel itinerary showing I was traveling on some of the dates I was charge and all they did was close the case and rebuild the charges. 
XX/XX/2022 : {$30.00}, XX/XX/2022 : {$60.00} XX/XX/2022 : {$60.00} XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$30.00} XX/XX/2022 : XXXX XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$65.00}
Consumer complaint received 2022-09-26
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-26
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. (NY)

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
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)

I did not give my written consent for this corporation to report this account to my consumer report! this is a direct violation of 15 usc 1681b ( 2 )
Consumer complaint received 2022-09-26
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: Garrison Investment Group (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. 
This is my third endeavor to tell you 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 or extortion. 
FOUNDATION F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-10-07
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)

In accordance with the Fair Credit Reporting act. The list if accounts below have 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 XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section XXXX 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 1681sXXXX ( a ) Section XXXX states : 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 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BROKER SOLUTIONS, INC. (CA)

XX/XX/2023 I checked my online account with New American Funding and found a {$300.00}. fee charged and added to my XXXX payment. They applied {$14.00} from my excess principal I paid in XXXX which left {$280.00} added to my XXXX statement. i called the company and was told they received info about a bankruptcy and that was what the charge was for. I explained I had not had a bankruptcy, and they replied they had received the info including my loan number. After several minutes of being transferred around a woman told me I would receive an encrypted e-mail with information regarding this and I need a letter of relief from the attorney. My son had declared bankruptcy, but I did not understand why his attorney would involve me. My son is living with me do to hardship but is not on the loan and has nothing to do with my finances. I waited to hear and finally sent a certified letter to his attorney, he replied through my son that he had no contact with New American about me or my loan. 
The encrypted e-mail referred to " families banding together '' as presumptive reason for this {$300.00}. charge. Although any information regarding the legal basis for the fee was not included. Also no info as to whether this is a one time fee, an on going charge and a way to force me out of my .02875 % loan It took me several days to find an attorney with expertise in this situation to get an answer as to my questions. He said this is wrong, but hiring an attorney would be an prohibitive expense to take on a major company. He recommended I file a complaint with CFPB and contact my local government representatives. He said it was important, as I am probably not the only person dealing with this. I am sending the additional amount of the fee separate on a check with the notation disputed fee as per the attorneys recommendation to avoid New American calling me in default. 
I am including encrypted e-mail and XXXX loan statement showing the fee as attachments. The e-mail was an internal doc. with opinion and no legal basis. I was surprised to receive this as a justification.
Consumer complaint received 2022-09-26
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. (NY)

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (MD)

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. has violated my rights. 

( XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

Goodevening! I'm following the instructions provided on how to go about someone using my information for their own benefit without my approval. There is an account by the name of " CKS Prime Investments '' on my credit report is not me. The overdue amout owed is {$1100.00}. Once I noticed it was on my report I immediately contacted the creditors bureau for more information on how to get this off of my report. They also have an address linked to the account which shows up as XXXX XXXX XXXX XXXX, GA XXXX. If you need anymore information from me please contact me. 
XXXX
Consumer complaint received 2022-09-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # 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.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (MA)

this is the situation so i paid off the utitly company the cable company they send to collection to collect a XXXX balance i have try to talk to them for several time about this situation to take this negative mark and they would not take it off till i paid and it show its paid off and they company jnow i had paid them off. so what they are doing its a frandulent act, on my credit report i have talk to them and i ask them and they are not willing to remove this i need some help with this situation.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vanz, LLC (NJ)

On XX/XX/XXXX I sent notice to XXXX to inform that I have become a victim of identity and the fraudulent account from XXXX XXXX XXXX XXXX being reported must be removed. On or about XX/XX/XXXX I received notice from XXXX that the fraudulent account from XXXX XXXX XXXX XXXX has been removed from my XXXX consumer report. On XX/XX/XXXX I received notice from XXXX XXXX XXXX XXXX  confirming the fraudulent account has been removed, blocked and wouldn't be subject to further collection actions. On or XX/XX/XXXX I received a collections notice from VANZ , LLC and their intent to pursue further collection actions for the fraudulent account from XXXXXXXX XXXX XXXX XXXX that has already been verified as the result of identity theft. I sent a Cease and Desist notice to VANZ , LLC on XX/XX/XXXX to once again inform them that I am a victim of identity theft and do not owe a debt for the fraudulent account. While the fraudulent account appeared on my consumer report I suffered injuries; such as denial of credit, adverse actions, harassment, discrimination, discouragement and Defamation of Character. Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, VANZ , LLC is in violation by not responding to my notice of Identity theft.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

The company Designed Receivable Solutions , Inc. has illegally and falsely reported a medical debt collection twice, i.e. in duplicate on my credit report thereby harming my credit score under unfair practices and has never sent me a debt validation letter. 
They have used the same debt but used ddifferent reporting accoiunts to the same credit rating agency thereby duplicating it and making it appear as twice and impacying my credit score. They have resorted to unfair and illegal practice by harming me and that too illegally reporting it in duplicate for which I have the screen shot. 
Please help me. This is fraudelent practice.This company is known to indulge in the same and has many lawsuits for the same.
Consumer complaint received 2022-09-26
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. (TX)

Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my Credit score XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXX XXXX  XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

There is information thats on my consumer report that is inaccurate. According to The Consumer Credit Fairness Act of XXXX, which was signed into law last XXXX ; it states that ; the statue of limitations for consumer debt collection has been reduced from XXXX years to XXXX years for the State of New York. The information being reported has passed the statue of limitation time ; for this I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The account has been on my report since XX/XX/XXXX. It has been removed from XXXX, but XXXX and XXXX is still reporting the inaccuracy. 
The company reporting to these credit reporting agency is Fair Collections & Co which is in the amount of {$18000.00}. I have put in disputes with the credit reporting agencies with no response.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (MA)

Earlier this year I attempted to open an account at XXXXXXXX XXXX  ( a division of Texas Capital Bank ), but was not able to do so. The XXXXXXXX XXXX stated that it was not able to verify information on my application, however it has not stated what specific information it was not able to verify and what verification method had XXXXXXXX XXXX attempted. 

To my request to XXXX XXXX to provide factual information that prevented the bank from opening an account for me I received a voice mail that was not 100 % comprehensible and the enclosed letter that informed me that Texas Capital Bank attempted to contact me with the information that I had requested via telephone and email, but refused to include any factual information in the letter that they sent me. 

I have concerns that XXXXXXXX XXXX  is attempting to hide its real reasons why it does not want to open accounts to consumers in the class that I belong to.