davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 2023-04-04
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: SANTANDER HOLDINGS USA, INC. (NY)

Hi i went to a car dealership XX/XX/23 the car dealership were doing alot of fraudulent activity which i was unaware of until i started seeing inquiries on my credit report i gave them authorization to run my credit for a bank loan in which they stated they did the apparently one of the sales man slipped up and stated we ran her credit over and over to bring her interest rate for the vehicle she wants higher so i asked them why are they runing my credit several times the sales man stated they only ran my credir once and is awaiting a banks approval her i am looking at my report and I have 5 hard inquiries on my credit report i called them over and over i am now not getting an answer or anything they ran my credit with 4 different banks nd it cause my credit to decrease i would like for these hard inquiries to be erased from my report so that i can go to someone legit with the proper credit to get a car with these hard inquiries i wont be able to please let me know the next step
Consumer complaint received 2023-04-04
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: American Credit Acceptance, LLC (FL)

I arrived in the United States in XX/XX/XXXX, and I bought my XXXX XXXX XXXX  in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, financing it at 20 % interest. They told me that they would report my payments to the credit bureaus to help me build my credit. After two months, my payments were not showing up on any credit report, so I went to the dealer to complain. The following month, I found out that my loan had been sold to American Credit Acceptance. They called me and said that they would report my credit, but I needed to make three months of payments with them before they could do so. 

In XX/XX/XXXX, I called American Credit Acceptance because my monthly payments were still not showing up on my credit report, and they had not reported anything. They told me that it would be reported in 10 days. After 20 days, I called them again because my payments were still not showing up on my credit report, and they said that they had filed a dispute with XXXX and that it would take 3-4 days. I called XXXX, and they said that they had not received any report from American Credit Acceptance. A week later, I called American Credit Acceptance again, and they said that they would not report my account due to limitations in their system ( which they did not explain ). I have been paying 20 % interest on my car since XX/XX/XXXX, and they are not even reporting my payments to the credit bureaus. They told me that the only option I have is to refinance, but I have been paying them for 7 months, and they have been lying to me and keeping my money without even reporting it. I am filing this complaint for their bad practice, the lies they told me, and the time wasted. 

Currently, I have four accounts in my credit, not including the car because it has not been reported. I have a XXXX on XXXX score and XXXX on XXXX XXXX score. I opened my oldest account in XXXX with XXXX Bank, and now I also have an account with XXXX and four credit cards.
Consumer complaint received 2022-11-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to be responsive and REPAIR these accounts that caused me so much trauma. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (NV)

I enrolled for Personal Training on XX/XX/2022, and on XX/XX/2022, I received the contract via email to an email which I really view ( XXXX ). When I received the contract I reviewed it and it states " You must provide written notice of cancelation delivered or sent via mail or email XXXX, so I did and continued with my business. After XXXX continued billing {$43.00} on mXXXX XXXX XXXX for four continues months I logged into my email address and noticed that I received a reply dated XX/XX/2022, stating to contact my Club for cancelation because they can not assist me ( view Attached XXXX XXXX XXXX XXXX ). I've gone to the GYM and spoke with XXXX XXXX the Fitness Manager regarding this issue and he stated that he would take care of this issue. On XX/XX/2022, I had a conversation with XXXX asked me to email him a copy of the email that I've sent and that he would handle this ( view attached Urgent Proof of PT Cancelation Doc ). Several days went by and I have not received an update from XXXX, so I went to the GYM again, and he requested for me to re-type the cancelation request and explain why it wasn't clear, so I did ( view attached Revised Cancelation Letter ). Then as more time went by I contacted my Credit Card company and disputed the 4 charged of {$43.00} each and from a temporary credit they became a permanent credit and the merchant didn't respond. I spoke with XXXX from XXXX and he froze my PT training contract so I would not be billed. Until today, XX/XX/2022, I received a voice mail from XXXX from a collection company stating that I own XXXX XXXX {$600.00} and change for the personal training contract. I advised her of ALL the process that I have gone through to get this resolved with XXXX XXXX, offered to email her ALL documents so she can contact XXXX XXXX since there is no easy way to do so, but XXXX declined, so I drove to the GYM, and spoke with XXXX and he told me that he accessed my account and it shows that I owe a XXXX ( {$0.00} ) balance and all of the {$43.00} charges have been refunded and if the account would have charged off and gone to collections it would show an existing balance on the account. At this point I don't know who to believe and all I know is that they are claiming each other and they are ALL dropping the ball and this is going to impact my Credit Report. There are multiple regulations that they are violating. 1 ) Sales Practice- Not disclosing all the details on the contract. 2 ) UDAAP - their contract states that you can email to cancel the contract, but then they say that you have to contact the GYM.
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX Midland Credit Management Inc timing to resolve a dispute on an alleged account is unacceptable. As of XX/XX/2023 I submitted a claim here with the CFPB stating I told MCM inc to cease and desist and they did not take me seriously. 15 U.S. Code 1692c ( C ) has been violated by MCM Inc and my FDPCA rights has been violated. Second As 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given MCM Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. MCM Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. Third MCM Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Fourth MCM Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXX Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. MCM Inc shall provide a signed valid contract with these terms including A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. If MCM Inc fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (UT)

I contacted via chat to get a direct deposit form on XXXX XXXX so that I could have the funds from my IRA deposited to my account. I was told that it would take about 10 days to come via e mail. I contact ed them again on the XXXX XXXX and through that weekend to check and see if the form was coming? I called customer service on the XXXX XXXX to check on the direct deposit form and I was told by the lady that she would send it out via e mail asap, and she would send a hard copy overnight mail. I received the e mail on XXXX XXXX but it was for a withdrawal form, not direct deposit, and I never received a hard copy via overnight mail. So I contacted someone again via chat and got a web address for a direct deposit form. I sent that information in. XXXX XXXX sent the information in and said that Citibank would not let them directly deposit the funds into my account, we tried from XXXX to see if they would go through. Because I didn't get the funds into the bill that I had due on the XXXX XXXX, I ended up having to pay an extra XXXX because I missed the deadline. I asked them on them to send me a complaint form to my e mail and I never received that. I ended up having XXXX XXXX  send me a hard copy of the check, which I received on the XXXX XX/XX/2023. I deposited remotely the check on the XXXX XXXX. XXXX. I deposited 2 checks. I was told that since they were over a XXXX that they wouldn't be available until the XXXX XX/XX/2023. Now I have the same bill due the XXXX XXXX. And they expect me to wait. I am not going through this again. I have called and chatted with citibank, and they keep putting me off and telling me that i can't get the funds until that day. I am just done with this bank. Everything they do is uncustomer service like. They are the worst. and don't seem to care.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-11-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I received a letter from TransUnion saying they did not complete my investigation request because it looks like my request came from an unauthorized third party. This letter was mailed by me, with my return address on it, and it with my digital signature. There is no way they thought this came from a third party. This is a clear attempt to ignore my investigation request and that is a violation of the FCRA. Also there is no law saying that a third party request can not act on my behalf if I gave them permission. I mailed the letter on XX/XX/2022.
Consumer complaint received 2022-07-29
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: LEXISNEXIS (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MN)

This is a cellular bill, so I used to be a XXXX customer untill XXXX of XX/XX/2022 when I transferred to XXXX XXXX. XXXX sent me a bill couple months later saying I owe them {$220.00} for a XXXX bill which is ridiculous for XXXX reasons ; XXXX - I didn't use a XXXX XXXX that month, XXXX - my bill was never that much for a month it didn't exceed {$80.00} the most, so this is a robbery to me, I have searched it up and they did it to a lot people and now a money I never owed in the first place is affecting my credit score.
Consumer complaint received 2022-10-23
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: WELLS FARGO & COMPANY (AL)

Hello, I ask the Credit Bureaus to do a verification check on everything that's on my credit report on the dates XXXX XX/XX/2022 and they did and they stated everything was accurate. I did a thoroughly check myself and I found improper accuracy on my credit report after they done the thoroughly research. 


XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX In accordance to the Fair Credit Act Of XXXX  account XXXX has violated my rights. I am promised accuracy in my report based on federal Law Under 15 USC-1681 section 602 section 8 states that I have rights to privacy. 15 USC- 1681 Section 604 Section 2 also states that a consumer report agencies can not furnish account without my written instructions.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I XXXX XXXX XXXX XXXX ) Universal agent, on the Behalf, of the Private Trust XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX POA at fact of Trust of ; the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trust.. Account of XXXXusing enforce compliance in the process because I XXXX XXXX XXXX deposit the amount of {$80.00} XXXX XXXX Dollars / XXXX notes on the date of XXXX XXXX have I state of Good faith of Credit Lawfully too XXXX of the company because the XXXX XXXX wasn't in.. at location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location and affidavit to the XXXX XXXX XXXX XXXX XXXX. Statement of good faith of Credit by XXXX XXXX XXXX Laws as called AntiTrust Rights .. please contact them I as parts of The Federal Reserve authorized to use navigation of authority by treaties ARTICLE 6 of The Constitution,,, enforcing... Article 39 of the declaration of indigenous right..