davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2022-11-22
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. (GA)

RE : violation of 15 u.s.c. 1681b permissible purposes of consumer reports Dear Sir/Madam, On several attempts I have sent Experian notification that they have violated the law referenced above by furnishing a consumer report outside of my written instructions. I have never given written instructions to furnish the listed account ( XXXX XXXX ).
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (GA)

American Credit Acceptance Is taking advantage of Individuals that are In need. They set payments way out of reach for consumers. I tried to get them to lower my payments. I purchased a new/used vehicle from a dealership and the finance company that would accept me because I had poor XXXX XXXX. 
They knew that I wouldn't be able to afford the car and not allowing me to lower my payments to keep the vehicle. The price of the car was {$28000.00} with my payments being {$990.00} they tack on a {$490.00} late fee. 
Tried to speak with them to keep payments and I was offered an extention that allowed me so relief but then i got back behind because the payments were out of reach. 
the vehicle is a XXXX XXXX XXXX valued at XXXX but they added fees to exceed {$34000.00}. 
They came and repossessed the vehicle. I think they are ripping people off and not trying to work with them to keep the vehicle. I saw where there was another company with a simular name with a law suit out of New York doing the same thing.
Consumer complaint received 2024-10-20
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: GOLDMAN SACHS BANK USA (NC)

I took out a XXXXXXXX XXXX loan to pay down all my credit cards. Somehow someone used my information, my phone to get some sort of game coins online. I have no idea how this happened but i do know that i told them that all of them were wrong. They said twice the charges were unrefundable however i am not paying this card anymore. I will not be held responsible for charges that i do not make.
Consumer complaint received 2023-01-04
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (GA)

On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax XXXX account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax ' account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (CA)

Re : XXXX Axos letter dated XX/XX/2022, in response to the CFPB complaint, wherein they mentioned that funds ( {$5000.00} ) will be remitted directly to the institution ( XXXXXXXX XXXX  ) no sooner than 60 calendar days from when the funds were credited to my Axos account ( ACH transfer received by Axos on XX/XX/2022 ). So, 60 calendar days would be XX/XX/2022. 

Kindly arrange to have the funds returned accordingly.
Consumer complaint received 2023-06-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

My SS XXXX is deposited in my government issued XXXX acct on the XXXX of each month. I went to the ATM on the XXXX of XXXX to withdraw my rent & discovered a charge of {$120.00} that I never made had made me short to pay my rent! I called US Direct Express to report the unauthorized charge & in the time it took to get them on the phone another charge of {$120.00} was also charged to my card. The bank told be the merchant who charged then was " XXXX XXXX XXXX XXXX  '' at XXXX. I called the number and it was not a company & there is no such business listed anywhere on the internet! The bank told me I had to wait 3-4 days until the theft was complete & the thieves had been paid my money to file a dispute on the charges. This is so wrong! The bank is trusted with my government benefits & this is the only income I have since my XXXX diagnosis last summer & {$250.00} really truly hurts me & my family. It has made it so I am unable to pay my rent! XXXX & homeless because my benefits are being stolen & the bank is allowing it to happen. This banks consumer dispute process is non existent & doubt they approve any at all as they just claim they never received any paperwork back from the consumer & close the file. This needs to change! If a consumer notifies the bank of a blatant fraudulent charge/outright theft occurring & the bank processes the charges anyway then they should be held liable.
Consumer complaint received 2023-06-04
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

I received a copy of my updated credit report and found several errors which I believe are inaccurate and unverifiable. The accounts listed below affect my credit scores and cost me thousands of dollars a year. Please re-investigate the account identified as inaccurate. I look forward to seeing my information updated to reflect the appropriate changes. 

XXXXXXXX XXXX XXXXXXXX & XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get XXXX to do it. Entirely misleading. I have sent XXXX the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I've contacted Synchrony Bank 3 times regarding my Musicians Friend credit card. I made an additional payment to my monthly minimum payment and asked Synchrony to apply the additional payment to a specific promotional purchase amount. They incorrectly applied the additional payment initially, even after confirming the correct promotional purchase. After I saw this was applied incorrectly a few days later, I reached out again and again requested that the additional payment be applied to the promotional purchase I had requested. Once again the rep said it was done but my online account was still showing the payment was applied incorrectly a couple of days later. I called again, got the same response, but I still show a couple more days later that it still has not been fixed. I feel like Synchrony Bank is actively trying to prevent me from paying off the promotional balance before the promotional term is due.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-05-07
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: Kikoff Inc. (MO)

THIS COMPANY IS NOT A DUPLICATE. At this point KICKOFF you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX XXXX XXXX NOTE, if KICKOFF can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.