davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Found : Social Security Number Potentially Breached Site : XXXX  - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.
Consumer complaint received 2020-04-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flandreau Santee Sioux Tribe (CA)

More than twice a day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have repeatedly informed Rushmore Financial my employer doesn't approve of these phone calls.
Consumer complaint received 2022-06-17
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. (AL)

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.XX/XX/XXXXAccounts- XX/XX/XXXX XX/XX/XXXX( Acc. # XXXX ),XX/XX/XXXXXXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 the information is inaccurate.
Consumer complaint received 2024-12-12
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC (MD)

To whom it may concern I filed a complaint with the CFPB AND FTC regarding the FMS account and the accuracy and validity of the information provided. 

In XX/XX/year> FMS responded to the complaint and attached a Driver License and rental agreement. 
and social security cards of children not belonging to me. I dont have any children However this does not prove that I authorized the application/ account. 

Where is the social security card used to apply for the apartment? 

My social security card was never provided? 

Please provide what methods was used to verify the identity of the applicant? 

I previously reported that my driver license along with other personal information was stolen from my vehicle. I placed an extended fraud alert with all credit agencies filed police report, and FTC REPORT. ( see attached ) Creditors should call me before issuing/ approving applications in my name. 

Additionally I have never held a DC driver license. Please see attached Maryland Driver License Additionally, this account is hindering my ability to keep gainful employment or stable residence because of this issue. 
This account was charged off yet no 1099 was provided regarding the debt/ profit loss. 

When I contacted FMS in XX/XX/year>, I was never given a notice of rights, I have never been told that this was an attempt to collect any debts. 
I was NOT provided with Notice to Rights I was NOT provided with a 1099 for the charge off debt. 

This account does not meet the accuracy and validity requirements.
Consumer complaint received 2024-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I had applied for a vehicle refinancing with PenFed credit union as interest rates dropped... 

they had told me that I had qualified for a certain percentage as well as a certain loan term... 

I had provided income verification as well as a payoff letter from the existing lender. 

On XX/XX/year>, I received notification that they would extend a longer loan term than my original request at a higher finance rate- which I didn't want I had already prequalified for a lower rate at a certain loan term. 

I have an over XXXX credit score with excellent credit utilization. 

I believe XXXX was trying to engage in Predatory Lending My loan application was submitted under the name of XXXX XXXX XXXX XXXX have attached an email with the loan application number
Consumer complaint received 2022-06-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (OH)

I thought I participated in a consumer credit transaction with Hyundai Motor Finance on XX/XX/2019 however the name of the company that was furnished on my consumer report is Hyundai Capital America who in the hell are these people? Anyway, I know a consumer credit transaction is an action where a finance charge was involved. A finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. 

In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is I should have not been receiving bills through interstate mails, I should not have had my car repossessed, I should not have lost my job, I should not have had to put a down payment for the vehicle and lastly, this transaction should not have been furnished on my consumer report. They have not provided any documents that I requested. 

Because of all of the damages this company caused me these crooks are in violation of detailed subchapters of TITLE 15 USC CHAPTER 41.
Consumer complaint received 2020-04-28
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. (CT)

I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with XXXX and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
This account has been disputed previously still reporting missing information. 
What is the Monthly payment on this account? 
Credit limit is not provided Past due account is not provided. 
What is the date of last payment on the account? 
The remaining balance reporting in Experian is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from XXXX to the comment Experian.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.
Consumer complaint received 2022-06-17
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. (NC)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (CO)

I received notice in the mail of a debt collection, but I thought that the electric utility was in my wife 's name for the 8 years we lived in our home in XXXX, which we sold in XX/XX/XXXX. I had also thought that we were paid to date, since my wife transferred a service to her name in an apartment in another city in XXXX. We subsequently moved to XXXX  and I received a notice for a debt collection, which I thought was fraudulent, so I threw it away. I subsequently saw the collection show up on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I tried to get a car loan, and my credit score was significantly lower than it ever had been as a result of the collection. I then called XXXX XXXX to verify the debt, which they confirmed, but I could not pay it as it had been referred to a debt collector. They would not give me information on how, who, where the debt collector was, and the only information I could obtain was from a credit reporting agency, which had the following information : {$280.00} Original creditor : XXXX XXXX XXXX XXXX CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX When I attempted to contact this agency to get information on HOW to pay the outstanding debt, the phone number is invalid. As a result, I am not able to pay the outstanding invoice. Any assistance would be very much appreciated.
Consumer complaint received 2022-06-17
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. (MS)

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 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Lender Inc (IL)

The company advertised that they would help build my credit quickly by loaning money to myself. I was suppose to make a payment every month and at the end i would get money back. I never borrowed money from them it was suppose to be a savings plan and they said they would report only good credit. My credit report went done XXXX points immediately first month after they reported me late because I enter the wrong bank information for direct payment. I never seen anything that said they would report you bad and their false & misleading advertisements doesn't say we will report you for bad credit not just good credit. It's very misleading and completely unfair! I was loaning money to myself, I never borrowed a XXXX from this company and I don't feel they should be able to this to people. For a year I had already been disputing false information off my credit report because it was destroyed by fraud. All the work i had done and everything i had accomplished fixing my credit report this company destroyed in XXXX minutes. I asked to close account, they didn't and reported me late again because I quit making the payments. They actual tried to tell me they raised my score. No I don't think so! It went up from fraud account dispute being removed. On my report they are now the only late payments I have on my credit and it's most recent and looks bad. This has caused me major financial hardship! It is just not right that a company you don't owe money to and was suppose to help you build credit would just destroy someone like that. I've disputed and pleaded with them several times and they refuse to fix the false unfair report on my credit. I can't even get a business loan, credit card, car or anything and it's gon na be on my report for XXXX   years ... .. Sad!!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX  I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (AR)

Have you ever been convicted of a XXXX? Yes that was the question and I answered honestly. I have 2 charges that was dropped to XXXX  that showed up so I didn't get hired. I'm disputing this answer because of my background was incorrectly viewed. Those charges was XXXX they even say XXXX, I didn't lie
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2020-04-06
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. (OH)

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2023-02-07
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: SANTANDER HOLDINGS USA, INC. (IN)

I have contacted SANTANDER XXXX several times to get my credit reporting corrected. This was a loan for a vehicle that my ex wife kept possession of, and also took responsibility of the loan. Per marital settlement. She had stopped paying on the loan without my knowledge and all of my info was removed from the account address, phone numbers, and email address was all removed from the loan without my knowledge, and no way of knowing this. I have escalated all the way up SANTANDER XXXX and they said they would not do anything to assist. I was told they did not care about the documentation or anything. This has been going on since XX/XX/2022.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, XXXX, trans union, XXXX
Consumer complaint received 2022-06-17
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 XXXXXXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.