davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more. 

Exeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car. 

I received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction. 

I was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan?

There was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

I made a complaint against Bridgecrest a month ago due to incessant calling multiple times a day to me and my family because I was a month late on my payment. Now they have blocked my access to make a payment with my debit card online. I am now unable to pay via credit card, debit card, and bank account. I tried to make a payment multiple ways this morning and am blocked with every type of payment method. I successfully made a payment last month with my debit card ( they also charge a fee to pay that way but will not allow me to pay another way ). I am sick of their games and their treatment. I should be allowed to pay via debit or credit card. I have no way to make a payment now. They are punishing me for contacting you about their harassment when a payment is late. If they do this to me, how many other people have had this happen? How am I supposed to pay my car payment when they have blocked me from making the payment?
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

This company Experian committed fraud when they took my personal identifying information without permission, and provided the information for sale to other persons to knowingly maliciously commit fraud and oppress.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal has closed my account for no reason on XX/XX/2022, and is not helping me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I use PayPal very frequently. Also my balance is being held for six months, a total of {$81000.00}. The email linked to my PayPal account is XXXX. They state that my account was banned because of potential risk, however we have a .33 % chargeback rate ( 47 chargebacks out of XXXX transactions ), so this surely can't make sense.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (CA)

My account was closed in XXXXXXXX XXXX XXXX when I was still paying on my account. They have since charged it off since I stopped paying in XXXX. I have been talking to them since the closure about my account but they have been NO help. Apple/Goldman Sachs only want full payment, even when I was told by a Goldman Sachs representative that it was closed in error. Please help me fix this situation. They have been single-handedly ruining my life. I just recently got into a car accident and need a new car but cant get approved because of the wrongful charge-off. My counselor at my credit union suggested I contact you guys because I have tried to talk to Apple/Goldman Sachs but they just keep transferring me. Thank you for the help.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

This issue is the same as has been previously submitted to CFPB ( case # XXXX and case # XXXX ). We are submitting additional documentation to enable further investigation by CFPB. We are working with XXXX to get Synchrony Bank to get this charge identified as fraud. We have spend many hours on the phone with their staff and after many investigation they keep saying we owe the money to them- but we did not order or Receive the item. 

I experienced identity theft for multiple accounts in XX/XX/year>. All other items have been resolved with the exception of this charge for a laptop computer I DID NOT order or Receive in my possession. I have been unable in 18 months to get this resolved, it is a fraudulent charge. At present they have also double counted the {$2100.00} charge and say I owe {$4300.00}. 

I need your help to resolve this matter.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency isXX/XX/XXXX. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bilXXXX. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
Consumer complaint received 2022-02-14
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. (FL)

Equifax has not resolved my complaint they reopened XXXX accounts that were closed. XXXX account has been closed since XXXX. My complaint should still be open. I am being discriminated against and I will all be pursuing for legal damages for all violations of the FCRA against my credit.
Consumer complaint received 2021-03-31
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)

There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX  Amt {$580.00}
Consumer complaint received 2021-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, Pintos v. Pacific Creditors Association ( 605 F 3d 665, gth Cir ' 2010 ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately.

Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( aXLXA ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( aX6XBXiii ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done.

- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX is in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX  [ XXXX ] Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Negative Accounts under the Debt Bondage Repair Act Dear Experian, I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ]. 
I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless right now and have provided my passport for required identification. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : * [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX ] - [ XXXX ] experian [ XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX  XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian Inquiries to be removed XXXX XXXX  XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX  ( XXXX XXXX Experian XXXX XXXX ( XXXX ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-01
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. (SC)

I am a natural person, I am I am a living human being I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (IL)

On XX/XX/XXXX I spoke with XXXX Rep XXXX who provided me with reference # XXXX on this call Made notice my bankruptcy had been deleted from XXXX file and couldn't understand why XXXX continued to verify bankruptcy with Equifax even after XXXX has deleted it from there own files. XXXX did some research and stated to me XXXX keeps two files, 1 being a VERIFIED file and 2 being a UNVERIFIED file that is unverified historical information. I have reached out to lexisnis several times ( XX/XX/XXXX LAST ) in hopes of correcting this issue even after lexisnex sent me a letter stating they could not verify bankruptcy and had removed it from database XXXX has continued to verify this bankruptcy to Equifax using unverified information. 

UNDER THE LAW 15USC-1681 ( ALL UNVERIFIED INFORMATION MUST BE REMOVED ) So my question to XXXX is how are you verifying this bankruptcy what method/ documents point of source have you used in your investgation to repeatedly verify this bankruptcy with. Equifax after sending me this letter on XXXX XXXX stating you removed it from your files because you could not verify. 

please respond on this platform I have included my personal info so you CAN NOT say you couldn't verify my identity! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last XXXX SSN # XXXX XXXX XX/XX/XXXX CELL : XXXX EMAIL : XXXX XXXX
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We hired XXXX XXXX of the law offices of XXXX XXXX XXXX to defend a foreclosure and to pay off the arrears for the property due to a divorce between my daughter XXXX XXXX XXXX and XXXX XXXX. For over 4 years we directed him to payoff the Foreclosure amount of {$690000.00}, and he repeatly gave us all kinds of excuses as to why it couldn't be done or some other false information, next thing we know a private investor group, of which we suspect XXXX XXXX and XXXX XXXX XXXX is a part of purchase the mortgage and the house is schedule for a 90 day sale. We again told XXXX to payoff the {$690000.00} foreclosure amount and XXXX XXXX of this investor group demamnded {>= $1,000,000}. XXXX never objected to any of the falsified payoff letters of put in any defense to the foreclosure. When we attempted to notify Judge XXXX, XXXX NY Supreme court judge, of the Fraud on the part of XXXX XXXX of XXXX and XXXX XXXX of XXXX XXXX XXXX that purchased the debt from XXXX XXXX XXXX XXXX The judge provided false information to my Daughter XXXX XXXX and forced her to sign a stipulation when we clearly asked for a 60 day stay of foreclosure activities. I, XXXX XXXX, never signed any Stipulation and we are being told that the property was sold back to the bank for {$500.00} despite having viable offers of {$690000.00}. The assessed valuation of the property is {>= $1,000,000} and the foreclosure judgement is for only {$690000.00}. This is a clear case of fraud on the Part of XXXX XXXX XXXX of the XXXX XXXX XXXX, XXXX XXXX to steal the property and resell it for a windfall This is a typical XXXX. that was detailed in the recent Wells Fargo settlement of XXXX XXXX dollars. XXXX we are being served with papers to vacate the property.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inaccurate information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.