davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a section 609 dispute letter to Transunion on XX/XX/2023 on five accounts, " XXXX XXXX '', " XXXX XXXX XXXX  ", " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been way over 30 days and the matter has not gotten resolved. The credit company is not complying with their own policies in a timely manner. I've attached a copy of the letter that was mailed out to Transunion.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (GA)

Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.
Consumer complaint received 2023-03-20
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. (NJ)

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. The below accounts should not be on my consumer report.Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not ensure this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to confirm that the transaction took place. As a result of this my privacy was breached and my right to privacy was violated. Pursuant 15 usc 1681a ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate categorized as a transaction that was issued from a credit card. 

XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (MI)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C. 1681. 


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 2023-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and experian and no change was made.
Consumer complaint received 2022-12-11
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. (NJ)

Unauthorized Credit Inquiry To Whom It May Concern. 

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. XXXXXXXX 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. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (OH)

I believe in XXXX I opened a loan with XXXX that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX XXXX transferred these loans to a provider called SST. SST never had information about the savings account as it still shows locked with XXXX. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today XXXX days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes XXXX days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (CA)

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called XXXX XXXX ( XXXX ) that I purchased 600 dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at .01 USD I SOLD XXXX XXXX because I thought I was going to reciever 1 cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made 1 min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of XXXX, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions 1 min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a XXXX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of 1 cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

My complaint is against Synchrony Bank according to your ruling : https : XXXX I opened a dispute on CareCredit/Synchrony Banks XXXX back XXXX XXXX against XXXX XXXX XXXX. I am attaching files that I submitted to them which are narratives of what happened as follows : CFPBXXXX # XXXX ( These are narratives of what happened divided up so they CFPBXXXX  # XXXX ( are small enough to attach. 
XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( The dentist involved can be found with 3 different names : my XXXX appointment was with XXXX XXXX ( which is not now listed in the yellow pages ), XXXX XXXX XXXX ( which is the name my dispute with Synchrony Bank is for ), and XXXX XXXX XXXX ( which recently sent me a text saying I was due to schedule an appointment ). And, the insurance claims they submitted to XXXX is for XXXX XXXX. 

Im also attaching the following files that show all transactions from the beginning to XX/XX/XXXX. 

XXXX ( these are monthly Synchrony statements ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .XXXX XXXX ( XXXX ) .XXXX XXXX  ( XXXX ) .XXXX  The following files are print outs of Synchrony Banks All Activity summary. The activity is showing my 2 monthly payments, late charges and interest. 

XXXX XXXX The Explanation of Benefits showing what my insurance paid XXXX XXXX. 

XXXX XXXX ( XXXX ) .pdf I have been carrying this debt ( over {$5000.00} ) for 5 months and it has affected my credit score and my debt to income ratio. Im attaching a file ( XXXX ) that shows as of today, XX/XX/XXXX, a balance of {$5400.00}. They have zeroed the monthly payment again. That balance is for work they NEVER did because I chose not to go back to them. 

I have spent many, many hours on preparing and sending documents to CareCredit/Synchrony Bank and phone calls to CareCredit/Synchrony Banks XXXX department XXXX They are very non-responsive to disputes. I have also hired an attorney to help with this. I have already paid him over {$1700.00}. For about 2 weeks he made several calls to XXXX XXXX and left messages. They have been completely non-responsive. 

I believe Im sending enough information to get a complaint started. If CFPB needs more ( like emails etc ) just let me know.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (CA)

I recently filed a report with Experian, Transunion and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS HAVE REMOVED INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts of my credit reports. This is defamation of character ans misrepresentation of my credit worthiness. i recently applied for a loan and was denied due to inaccurate information beong reported on my credit reports. I am exercising my rights as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (MO)

Prosper upon new loan opening [ at the time my loan originated ] required consumers to enroll in automatic payments. These payments were only be processed when the minimum payment to the account has not been met. 

Although enrolled, I follow a fortnightly payment schedule [ set months in advance ] that covers the minimum payment and then some. My due date is on the XXXX. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX & XXXX, which covered the minimum payment of {$230.00}. These payments processed without issue. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX and XXXX, which covered the minimum payment of {$230.00}. The XXXX payment processed with no issues, leaving a minimum payment due on the account in the ballpark of {$110.00}. On the XXXX, despite being aware of a payment being scheduled for {$120.00}, Prosper 's payment system proceeded to process both the previously scheduled {$120.00} payment and arbitrarily processed an additional full month 's payment of {$230.00}. 

Prosper 's payment system logic is not UDAAP compliant and exhibits systemic abusive behavior against consumers in the following respects : 1 ) the system is designed with no inherent consideration to a consumer 's already scheduled payment plan 2 ) the automatic payment system is advertised as meeting minimum monthly payments, however it deliberately ignores other payments made during the billing period ( see example below ) 3 ) the automatic payment system does not have consistent practices ( i.e. in XXXX back to back months XXXX and XXXX I had {$120.00} payments scheduled on XXXX, XXXX, XXXX, and XXXX ; enough to satisfy the required payments for each billing period. There was no issue with an extra payment being processed in XXXX, whereas in XXXX Prosper decided to change their practices. 
4 ) Prosper 's loan origination process [ at least at the time of this loan ] pretty much forced enrollment into automatic payments [ you can see in my payment history I've managed my payments independently since account inception and this incident is the first time automatic payment has been utilized since the beginning. 
5 ) It is not readily apparent on Prosper 's website that the automatic payment are optional and consumer 's can un-enroll. On the phone the rep I spoke to ( XXXX phone call ) advised he could remove enrollment. 

Example for # XXXX Given a billing period from XXXX through XXXX and a theoretical minimum payment of {$200.00}. If a payment is made on XXXX for {$150.00}, the minimum payment to meet that billing period 's payment would be {$50.00}, not the full {$200.00}.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2020. I checked my credit and found a collection debt of $ XXXX wasn't mine. I called the collection agency ( Synerprise Consulting Services ) and explained to them that the debt wasn't mine and I don't live where the fraud took place. I ask them to verify my Social Security Number, but they couldn't. They only have my name and date of Birth. I even tried to get information for a police report, but the companies are giving me the run around. The collection came from XXXX XXXX XXXX in XXXX Texas. I live XXXX hours from there. They can't provide me an address where the transaction took place so I can file a police report.
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report.

Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC (CT)

In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX of XXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from Arcon Credit Solutions LLC that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from Acron Credit Solutions about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NJ)

On XX/XX/2023, I spoke to Audi Finance about purchasing my vehicle after the lease had ended. The Audi representative sent me the documents ( via their web site ). I completed the documents and sent them and a check, via XXXX, to Audi Finance to buy out my vehicle. On XX/XX/2023, I confirmed with my bank that Audi cashed the check ( see attached ). The representative told me that the title would be sent in a couple of weeks. On XX/XX/2023, I contacted Audi again, and was told that the vehicle title was being processed and that I would get it in 3 to 4 weeks. I called them again on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was given the same response that I would get my title in the next couple of weeks. It's been 2 months since they cashed the check, and I need my title to re-register the car. I think 2 months is more than enough time and I don't feel confident in the last response I received, which was the end of lease department would contact the title company to send me the title in 7 to 10 business days.
Consumer complaint received 2023-03-20
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: National Credit Adjusters, LLC (TX)

I've previously reported this company and requested an investigation for this company that was previously removed but continues to reappear. I've also submitted a letter and spoke with them advising i have only one name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX where i can receive mail via all 3 bureaus. They continue to keep adding these addressed back to my credit profile. Creditor is NCA which i believe is National Credit Adjusters. I've also requested that a hard copy of the application with my signature be provided and none of that was provided before they placed this back on my report.