davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc. (CA)

I've sent emails and also calls trying to pay off my entire balance and close my account. There is no resolution after 2 weeks going on 3. I've made XXXX payments that showed as posted but never showed up on my statements. Now I'm being charged late fees. The browser seems to be the only option to access any information. The app doesn't let you access any statements and shows very limited information. There's no way to contact directly. This company is causing me stress and anger.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (OH)

In XXXX of XXXX, I purchased a ( XXXX / XXXX XXXX ) & it was finanacised by Consumer Portfolio Services, and I agrred to the Terms of this Contract, even though the Interest Rates were very high, I signed the document & agreed to pay on time. The problem began once I began to make my monthly payments & once I received my Billing Statements, I realized that a GREAT PORTION OF MY PAYMENTS, WERE BEING DIRECTED TO THE INTEREST!!!! Also I was Charged ( {$2600.00} ) for an Extended Warranty that WAS DENIED BY THE XXXX XXXX WITHIN THE FIRST THREE MONTHS, BUT I AM STILL PAYING FOR THIS WARRANTY THAT HAS BEEN DENIED. Since submitting several complaints to the CFPB, I have received an updated payment record, showing the OUTRAGEOUS INTEREST DEDUCTIONS THAT XXXX, IS WITHDRAWING FROM MY MONTHLY PAYMENTS. The Contract that the Dealership created, stated that ( 26.60 % ) would be deducted every Year, but I have calculated the total Interest Payments that is being with held from each monthly payment, that ranges from ( 21.677 % to 67.583 % ) EVERYTIME I MAKE MY MONTHLY PAYMENT, THIS MAKES NO SENSE AT ALL!!!
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (SC)

Credit Management LP account # XXXX, # XXXX, and # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Consumer complaint received 2022-09-12
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. (CA)

I have recently been trying to get the credit reporting agencies ( XXXX, XXXX, and Transunion ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On Transunion this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. Transunion has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. XXXX is reporting a monthly payment of {$65.00} a month when transunion and XXXX  are reporting no monthly payment 3. XXXX has reported the payment status as 120 days late when XXXX and Transunion are reporting charged off. 
4. XXXX is reporting this account type as a collection when transunion and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. Transunion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( Reaged ) and XXXX is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. Transunion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. XXXX reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( Transunion and XXXX ) XXXX XXXX. - The date of last activity does not match. Transunion reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX 1 . Transunion is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
2. Transunion and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Consumer complaint received 2022-05-14
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)

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.
Consumer complaint received 2022-08-20
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. (FL)

Credit agency-XXXX XXXX XXXX XXXX XXXX XXXX Acct # /Reference # XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
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. (CA)

I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Consumer complaint received 2023-04-07
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: CITIBANK, N.A. (CA)

On XX/XX/2023 I woke up and saw that I got a credit alert. I quickly checked my XXXX account and to my surprise there were two hard credit inquiries that had been put that same day. 
One was an installment loan or new bank account inquiry from CITICARDS on XX/XX/XXXX The other was a BANK/CREDIT INQUIRY from XXXX  also XXXX XX/XX/XXXX. 
I did not ask for a loan or any credit check from these companies. I have not applied to a line of credit in a while as Im already paying off current debt. Luckily I caught it early and disputed the inquiries and put a fraud alert on my XXXX account. Please investigate this further
Consumer complaint received 2022-03-10
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. (TN)

I have disputed this one item for going on 2 years now. Back in XX/XX/XXXX - The result was that the item will be DELETED in XX/XX/XXXX. Come XXXX of XXXX it does not get deleted. So, I dispute it and Experian STORY CHANGES AGAIN. Most recently I disputed this item and SENT THEM THE copy of THEIR OWN CREDIT REPORT form XXXX. They completely ignored this item and did not delete it. This item is over 7 years old, almost 8 years, and it surpasses the time frame for it to be on the bureau and also Experian stated back in XXXX it will be Deleted in XXXX of XXXX. 
-- - Please deleted -- XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX, XXXX.
Consumer complaint received 2021-12-07
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. (PA)

My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon Checking my Credit report in order to purchase a house I was informed that I had an inaccurate bankruptcy on my report. The reporting agency that is reporting this error in information is Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. Also by law, it is stated by the courthouse that information from their record is never shared publically or to outside vendors so that further shows the incorrect information that has strangely been added to my report by a questionable unknown source.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

I originally owed XXXXXXXX Care Credit {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. 

I entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. 

They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. 

They program said that XXXXXXXX Care Credit refused for 4 years any other offer during the time I participated in their program and they failed me. 

The debt program has been reported to the FTC. 

Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX care credit company directly. 

Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. 

Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. 

I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having XXXX hardships as well as financial hardships.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.
Consumer complaint received 2023-04-07
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: NCD Financial, LLC (NY)

I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ) NCD FINANCIAL LLC Identity theft 12 CFR 1022.3 ( h ) using my identifying information without authority ____________________________________________________________________________ i do understand NCD FINANCIAL LLC thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) making Creditor NCD FINANCIAL LLC a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, My Name is XXXX XXXX XXXX I Live at XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. Transunion, Insist on Listing My Name As : XXXX " XXXX '' XXXX XXXX This Name is Fraudulent. I Have Mailed Them ( 3 or 4 Times ) Copies of My Birth Certificate, Social Security Card and My Drivers License. Along With This Information, I Asked Them to Correct My Name. They Refuse. Please Help Me With This Matter. Thank-You, XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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)

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. 

XXXX XXXX  XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  - Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2020-11-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me? 









Personal And Confidential Communication from FAMS  for XXXX XXXX XXXX Inbox FAMS XXXX via bounce.rs-enotice.com Attachments XX/XX/2020, XXXX XXXX  ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully. 
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMS Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.

2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.

By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for FAMS to communicate with you via email. 

If you do not wish to be contacted via email, follow the Unsubscribe Instructions below.

FAMS is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us. 

Sincerely, Financial Asset Management Systems , Inc .