davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$280.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (VA)

On Wednesday XXXX XXXX my car was repossessed without any notice or phone call prior to how long or how close I was to that point. I have been calling with the lender Hyundai Motor Finance every other day to let them know I will be making a payment due to me being sick with XXXX  and it taking me out of work for quite some time. Also due to many job changes, they have not offered me any payment deferrals or any type of assistance to help skip a payment or change my payment amounts to assist with keeping my car. They have done nothing but threatened me that my car will be sold in auction and are demanding XXXX $ to get my car back that they illegally repossessed and took without any notice to me until after it was collected. I am on the verge of losing my job, they have not been willing to release the car after making small payments and talking with them that they took it without notice to me so I am trying to get it back. I paid XXXX of that and now I am being told I have to pay the storage fees and the remaining balance which is deemed unfair to the consumer as myself. They also have my personal belongings and I have not been able to get in touch with anybody to get them. I want my car back now, and those fees waived.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (AZ)

I can not get into my account since XXXX of 2022. 
called numerous times and talked to reps and supervisors, i contacted XXXX XXXX and they became involved with this account. know matter what we ask for. IT to call me or help me get into the account, ask for paper statements from XX/XX/2022 to present.by reg mail, replacement of card took almost 3 months to get because i had fraud on this card and one other account. I told them that I'm not paying for something i can't see what it is because of the fraud that was on my account. All they keep saying since XXXX is IT is working on it. One of the supervisors said a lot of our accounts the customers cant get into there accounts and she hasn't heard of any complaints.I closed my account in XXXX 2022 because of this problem. 

XXXX XXXX and myself has tried everything we could to help me get my account correct. I told Milestone I'm not paying until i see what I'm paying for,,
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022 I was approved for XXXX XXXX credit card for XXXX needs issued by Comenity Bank. The card nor any mail communication have been received making it impossible for me to register online to make a payment or see my balance as a result I missed my payment. On XX/XX/XXXX I sent a personal check to the address on the XXXX website. Check has not been cleared as of XX/XX/XXXX. I called XXXX XXXX, Comenity Bank, Bread Financial customer service just to find out their phone line is down. I contacted my doctors office with a request for partial refund to cover outstanding balance on my account. My dentist was nice enough to refund more than my balance due was at that point however the refund did not go toward decreasing my balance due. Calling customer service line became my daily routine, It is still unavailable to this day. As a result my account was reported to credit bureaus causing damage to my credit at the time when I am about to close on the property. I have tried to use Easypay system, however it requires credit card number that I never received. Finally, on XX/XX/XXXX I was able to get hold on customer assistance via email I had to search for online. The representative confirmed XXXX customer service line and some website functionings are down. She was able to provide me with the account number to use to submit payment via their Easypay system, however Easypay system does not accept my payment stating an error in processing my request. At this point there are absolutely no options for me to submit my payment. Meanwhile my credit remains damaged and making me ineligible for finalizing purchase of the property.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (AL)

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

The list of addresses was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect addresses listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/2018
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. 

Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. 

Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. 

I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages.

For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior.

I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

This is a follow-up complaint of XXXX, which has been closed as Chase has responded on XX/XX/XXXX. 
In the Company 's response of complaint # XXXX, Chase claimed that there was one-time passcode sent to my phone to verify the known device, but I have not received any text about that on that day. I had the phone with me all the time and I never lost, but on XX/XX/XXXX and XX/XX/XXXX, the date that the fraudulent transaction happened, I NEVER received any one-time passcodes that the Chase claimed that has been sent to me at my phone. On XX/XX/XXXX and XX/XX/XXXX, there were total of XXXX fraudulent transactions happened, but the bills of my cellphone showed NO texts from Chase related to those XXXX fraudulent wiring setup being recorded on XX/XX/XXXX and XX/XX/XXXX. 
Attached are the detailed billing statement from my cell phone company, and I highlighted the texts that were sent to me on the days that fraudulent transactions happened. 
None of the texts I received that day contained the " one-time passcodes '' that Chase claimed to have sent to me to verify the wire recipients. 

Please refer the original complaint XXXX for more details.
Consumer complaint received 2024-11-19
Product: Credit reporting 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. (OH)

I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution.

Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers.

2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the XXXX XXXX. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information.

2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request.

4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.
Consumer complaint received 2022-07-13
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. (HI)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-09-28
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. (IN)

On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that experian conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both experian and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.
Consumer complaint received 2022-09-28
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 XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AL)

This decision was based on a strictly voluntary credit/consumer report that is not backed by law according to the Consumer Financial Protection Bureau 's `` Key Dimensions and Processes in the U.S. Credit Reporting System : A review of how the nations largest credit bureaus manage consumer data '' page 15 section 3.1.1. Lastly, I was denied my right to credit provided to me by 15 USC 1691 ( 3 ) by Amerisave.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.