davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (IL)

I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by XXXX exclusively that they saw no issue fast forward 45 days I needed my credit for a car, same issue but now it was with all 3 bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past 20 days I've spent over XXXX $ in mail delivery and faxes/prints and copies and over ( documented ) 15 hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo
Consumer complaint received 2022-10-21
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. (GA)

XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru XXXX XXXX XXXX. XXXX XXXX XXXX that XXXX XXXXXXXX XXXX was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on Experian to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The Experian report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from Experian showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my Experian report, there are 13 repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the Experian report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and Experian continues to show inconsistency with other reports.
Consumer complaint received 2022-05-18
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. (TX)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX  MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2020 I received a notification from my Credit Monitoring Service stating that my Syncrony Discount Tire Credit Card had been closed. I contacted Syncrony Customer Service. I spoke with several people and was informed that my account was closed due to a poor credit score of XXXX. As I was on the phone with customer service I reviewed my score personally and my score was much higher than the customer service representative claimed. I was then informed by another customer service representative that my card was cancelled due to my payment history with synchrony. Which makes no sense because I have paid the payment on time every time and usually paid more than what was due, so my payment history with synchrony is perfect. I asked to dispute the account closure and was told that I would have to dispute the card closure with XXXX and that there was nothing Synchrony could do to correct the issue that it was all on XXXX. I explained to the rep that XXXX is a credit reporting agency not the bank that provides the credit line. She insisted I had to dispute the card closure through XXXX. Synchrony basically closed my account under false pretenses causing a damaging mark on my credit.
Consumer complaint received 2020-08-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion Credit reporting Agency has not fixed the problem since my early complaint to them in XXXX of XX/XX/2020 and also earlier this year. 

For the past several years, I have improved my credit with my various creditors. Paid on time, never charged on my credit accounts for the past several months, never applied for new cards, never asked any agency to pull my credit report in the past year, etc. But despite these efforts, the 3 Credit Reporting agencies ( TransUnion, XXXX, and XXXX ) have continuously tainted my credit report. This has been a disappointing and disgusting experience. 

To show you as a proof or an example, I am sending an attachment file showing TransUnion report to my XXXX  account with XXXX XXXX XXXX for the following periods : prior to XX/XX/2020, my score was XXXX on XX/XX/2020, my score went up by 2 points at XXXX by XX/XX/2020, my score was back to XXXX again by XX/XX/2020, my score went down by 22 points at XXXX. 

This is ridiculous because I am not doing anything in my credit accounts for several years now, and in more recent 6 months I have never made charges on my credit cards and instead just continuously paid my monthly dues on time and never been late in my payments. So, why the heck will my score go down by 22 points in a matter of 7 days. This is a XXXX Credit Bureau Reporting agency. All they do is provide false information despite despite huge efforts to improve your credit.
Consumer complaint received 2020-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

This complaint relates to your Case # XXXX. I am a parent co-signer paying the loans that were put In collection due to my Chapter XXXX in 2013 even though my son was paying the loans current at the time. Payments were made to XXXX, XXXX and XXXX for XXXX XXXX XXXX since 2013, but I have never received statements, prior payment history, how the payments were applied nor have I received a XXXX tax statement. I have never seen the original documentation from them. They had added the accounts to my credit report as well as my son 's. XXXX, XXXX, XXXX and XXXX removed the accounts from the credit reports early this year and I have stopped making payments as my son wants to try to settle and/or refinance, but we need the accurate history of the loans. The above referenced case number required that, but I never received notification of this case or it's results. The loans have been transferred to a different collection company who is calling both of us. There documents are included in this complaint.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Report, XXXX XXXX, Account # XXXX {$130.00} and showing as charged-off is incorrect. This was a secured account which was closed with the full deposit of {$400.00} taken by XXXX XXXX to cover a balance less than {$400.00}. XXXX XXXX erroneously and fraudulently added extra fees to the account after it was closed and deposit used for outstanding balance. They have erroneously reported the account as charged-off as it was closed and deposit used. There was not a balance to charge off at closing the account. The have 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.
Consumer complaint received 2020-05-21
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)

Experian did not answer DIRECTLY TO THE COMPLAINT file Number XXXX. Experian bounced around the DIRECT problem. The complaint was not if I was the individual filing the complaint. The complaint was that the US Bankruptcy that is reporting on my credit report is not of mine and that Experian DID NOT " VERIFY " ANYTHING WITH THE US BANKRUPTCY WHICH IS THE FURNISHER AND XXXX XXXX IS NOT THE FURNISHER. XXXX XXXX FILE IS FROZEN DUE TO IDENTITY THEFT! THE FRAUD DEPARTMENT AT EXPERIAN WAS RUDE AND ALL I KEEP GETTING IS ITS BEEN VERIFIED. I RECEIVED A CREDIT REPORT STATING XXXX XXXX VERIFIED THE BANKRUPTCY. I HAVE DOCUMENTATION THAT XXXX XXXX  DID NOT VERIFY THE BANKRUPTCY THERE IS IDENTITY THEFT ON MY FILE WITH XXXX XXXX. Experian are LIARS! I have seeked legal representation for this situation and i will be suing for pain and suffering and a host of other things! THIS IS UTTERLY RIDICULOUS! IT IS A WASTE OF TIME TO FILE A COMPLAINT WITH CFPB!
Consumer complaint received 2020-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is about XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiries on my Transunion Credit File on XX/XX/2019 and XX/XX/2019. 
Please remove both inquires immediately. XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

As a result of these unjust practices I have a negative account status currently reporting on my credit files.
Consumer complaint received 2020-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Ref : Bank of America Violated Regulation E and Wrongfully Reported Me to XXXX XXXX, Consumer ID XXXX To Whom It May Concern : The information reported by Bank of America XXXX XXXX XXXX is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, Bank of America in XXXX MD. I explained to the BOA Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. Bank of America did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to XXXX XXXX, from Bank of America should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. Bank of America violated Regulation E by denying my dispute and proceeding with closing my account.

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card.

Bank of America should provide documentation proving they honored my dispute and conducted an investigation in accordance Regulation E as I verbally requested in the BOA XXXX Branch. 

If, Bank of America adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will seeking legal counsel and will pursue a lawsuit against Bank of America for slander, defamation of character and violation of my federal rights.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS,  in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX