davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CA)

I was told to contact variulous dealership due to I I was trying to use my factory warranty out of state..i moved out of state.and I couldn't get help from nobody. Going back to where I started my claim. No answer. Run around
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 I made a payment via Bank of America online app to a credit card account for {$320.00}. On XX/XX/2021 that payment was " TRANSFERED '' by the bank to another different credit card belonging to me without informing me. When I received alerts from the bank advising that the original account was " past due '', I contacted BofA via telephone at the customer service 800 number on XX/XX/2021. The representative referred me to the credit card division at XXXX which I contacted via phone at approximately XXXX XXXX. The first representative that that I spoke to, could not resolve the problem at which time I requested to speak to a supervisor. After more than 15 minutes on hold I was connected to a young lady who identified herself as XXXX, the supervisor. In an effort to resolve what I believed to be a minor problem, this young lady requested my entire 9 number social security number and my full drivers license number. She sent me codes on email and text messages, to which I responded. As she was still unable to resolve this issue, I requested yet another more senior supervisor. After another 13 minutes on hold XXXX returned to advise me that there was no other supervisor available. This unnecessary ordeal was a waste of 1 hour and 35 minutes of my time as well as the banks.
Consumer complaint received 2021-04-28
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. (DE)

I have tried to contact Experian credit agency to fix a reporting error, however My attempts by mail has come back wrong address, which is the only address listed. The item in question has been paid within the first 90 days. I believe this is Economic Sabotage. A practice that has gone in checked for generations. Please help thank you. XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-12-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I spoke with Prestige Finance in regards to my XXXX  XXXX XXXX at XXXX central time. I called to get clarification on the finance charge and its disclosure. I spoke with XXXX he said he was the advice collection president. When asking him to explain the finance charge to me he tells me that my down payment comes from this charge and also that the dealer is paid from the Finance charge. Which it also states in the contract also. But according to 15 USC 1605 The finance charge should be the sum of ALL charges. It also states it should not include fees or an amount imposed by third party. It also states that the interest should be included in the finance charge. If the finance charge is supposed to be the sum of everything home come it is considered as interest ONLY? 16 CFR XXXX XXXX XXXX due to the consumer when the consumer incur a finance charge. This is considered fraud and also a violation under the truth in lending act.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC (NM)

On XX/XX/XXXX I received a voicemail from XXXX XXXX saying that they ( XXXX XXXX ) would becoming to serve me notice with a uniformed officer. She stated that a company called QC Holdings was trying to collect {$2000.00} from me for a loan I didnt receive, I called the company and left a message for them to call me. I honestly do not know of this loan that this person said I got in XXXX. She called again today and said I better be home to receive the notice. She also called my daughter while she was at work and this is totally uncalled for being that they had already gotten ahold of me. I have spoken to someone at this office twice already. Then my ex-husband informs me that he was notified of all this. Please let me know what to do. I believe the number for the company is XXXX. I left a message. Have never done business with lendnation or QCholdings.Also the number left on the voicemail was XXXX.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-08-08
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: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-10-18
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-23
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: Bread Financial Holdings, Inc. (NC)

The debt that Comenity Bank for Victoria 's Secret, Torrid , Lane Bryant, and XXXX XXXX is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for Comenity Bank for Victoria 's Secret is XXXX. My account number for Comenity Bank for Torrid is XXXX. My account number for Comenity Bank for Lane Bryant is XXXX. My account number for Comenity Bank for XXXX XXXX is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXXXXXX XXXX I have recently been a victim of identity theft. someone has used my personal information to apply for lines of credit with credit grantors. The following accounts are a result of my identity being stolen. 
-XXXX XXXX XXXX Opened XXXXXX/XX/XXXX XXXX {$23000.00} XXXX Opened XX/XX/XXXX XXXX {$71000.00} -XXXX XXXX Opened XXXX XXXX, XXXX XXXX {$74000.00} XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX XXXX {$92000.00}. 
I don't know how the thief got ahold of my personal information but I am certain these accounts do not belong to me.
Consumer complaint received 2023-01-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights, Account name : Diversified members # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX # XXXX, has violated my rights, Account name XXXX XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, has violated my rights, Account name : XXXX XXXXXXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-12
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. (GA)

This complaint is in response to CFPB # XXXX and CFPB complaint XXXX. XXXX stated that CFPB complaint # XXXX does not belong to them however respond back to CFPB complaint # XXXX. XXXX stated that XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. This complaint was filed on XXXX due to the fact that they failed to abide by the responsibilities of furnishers. XXXX pursuant 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Please see attachment of XXXX admitted the verification of the XXXX showing the Public record showing verified that bankruptcy case number XXXX is accurately reporting on my XXXX report. Then see the attachment of a recent XXXX report showing that the Public Record has ben removed. I also have attached the reporting of the furnish Bankruptcy still reporting on XXXX and Transunion. XXXX, TransUnion and XXXX is in violation of 18 USC 1028A which is aggravated identity theft and I have reason to believe it has been done with forethought and malice. The following corporation and individual has been implicated in violation under the Rico Act. TransUnion, XXXX and XXXX. CEO of TransUnion XXXX XXXX, CEO of XXXX XXXX XXXX and CEO of XXXX XXXX XXXX.
Consumer complaint received 2023-06-29
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: Army and Air Force Exchange Service (TX)

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 account listed without my expressed written consent.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MO)

Citybank is trying to collect a debt but they was and are in violatio

n of 15 US code 1601, Ch. 41. Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen between us. The first thing is that I made an uninformed decision when I entered into this consumer transaction. Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. Next, in part ( g ) congress says the the person to whom the debt is arisi
ng from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Citybank is in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction since they charged off the alleged debt. I requested that proof and a copy of the 1099C they must have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However Citybank not only reported this income on the Consumer Reporting Agencies, they sold the alleged debt in violation.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation of my consumer rights.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (NV)

I started receiving an statement from Fortiva Bank that I have outstanding debt with them, problem is I dont know this bank at and I never heard of all. I talked to them to clarified the debt and we think that someone is using my identity illegally. I have med complaint with our local Police Station have the report copy from them. I want to clear my name out of this as soon as possible. Thanks
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act there a accounts attached that 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. It also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached