davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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)

XXXX XXXX XXXX XXXX has violated the FDCA s outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statements along with disclosure from section 1637 ( b ) this information was pursuant in good faith to rule 1002 and it was never provided which is unfair, illegal, fraudulent, bias and not equitable to me as a consumer and a secured party. 15 usc 1681a 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Overview Learn more 15 U.S.C. 1681, also known as the Fair Credit Reporting Act ( FCRA ), protects the privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also governs access to consumer credit report records and promotes accuracy and fairness,15 U.S. Code 1681c2 gives consumer reporting agencies the right to rescind or decline to block information about a consumer. This can be done if the agency determines the fairness of the consumer which the company XXXX XXXX and all credit bureaus did not give the consumer notice
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

hello Back in XXXX i decided to close my credit cards ( capital one, XXXX XXXX, XXXX ). 
things went smoothly and just fine The only issue happened with capital one. 
After I paid and the customer rep confirmed payment ( i was using my XXXX XXXX bank debit card and there was sufficient balance ). 
after XXXX months they sent me a statement that payment didn't happen and i owe them an amount plus interest. 
I called them and i refused paying interest for the reason ( they willingly didn't process payment nor send me monthly statements in order to accumulate interests and fees toward my balance ). secondly what happened is not supposed to be a matter of mistake as the rep confirmed payment. He supposedly got an immediate response from the network about that??? 
They insisted on getting interest and fees and i refused to pay them. i end up saying to them am leaving the country and am not sure when i will be back however am willing to pay them right now for the amount am paying when i called to close my card, finally they agree and i paid them immediately. 
yet they obscured my credit score and am not able to get my credit score nor other companies.

i remember i was in good standing with my credit overall and am supposed to be having a credit score as I am debt free and i paid off all my cards.

They dint wan na lend me they are free and am not willing to deal with them again anyway but preventing me from having a credit score and seizing my access to other lenders is completely wrong. 

Thank you for taking the time to read my message
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Applied for credit card after divorce. Provided information they requested, including balance transfer amount. They approved me, then sent a letter after they opened the account saying that they couldn't transfer the full amount- which was the only reason for opening the card. Should have been asked if I wanted to open the account anyway, but they just did it. When I called and discussed assets, they wouldn't consider assets not held at Bank of America because they couldn't verify them. Account should have never been opened since they couldn't do what I was asking for. 
Spoke with XXXX in Arizona on XX/XX/2022.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022, I filled out a credit application with capital one auto and was approved for the price of the vehicle of {$28000.00} and the dealership stated they asked for down payment of {$2500.00} which was after the applied for credit. Capital one gave me approved credit for my vehicle and I am now requesting to rescind my down payment. Per your consumer law cash can not be included in a credit transaction. I am not sure if I selected the proper steps for this complaint. I was not expecting to give a down payment. If there is nothing that can be done. I understand.
Consumer complaint received 2022-09-27
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. (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 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 XXXX 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 im homeless n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-02
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. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am following up to report an ongoing issue I am having with Transunion. It has been over 60 days and I am ONLY seeing THIS fraudulent account on Transunion Report : XXXX XXXX ACCOUNT # XXXX having been verified allegedly on XX/XX/2022. This is account appears to be someone else 's account and Transunion is violating my consumer rights. Under FDCRA, and 15 US Code 1681i - Transunion was suppose to notify me the consumer within 5 business days letting me know they received my dispute of questionable accounts. Additionally under 15 U.S. Code 1681i Subchapter III " If the Credit reporting agencies does not respond within 30 days of investigation request... .They must delete the disputed information. On my credit report I see verified as of XX/XX/2022, Who furnishes the information and certifies that the information is 100 % accurate and complete?? I am not aware of this account having my personal information nor my written consent was not given verbally nor in writing to Transunion nor XXXX XXXX to furnish this account information on my credit report. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Consumer complaint received 2022-09-27
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. (PA)

I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE 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
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXX XXXX XXXX XXXX these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # 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
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (TX)

The XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) informed me that I had a XXXX balance of {$660.00} that I owed. Upon calling them, they mentioned that the zipcash balance can be adjusted to the tolltag rate somewhere in the neighborhood of approximatley {$320.00}. I received a collections bill in the mail from XXXX for {$320.00} and paid that amount. I then received a second collections in the mail for {$320.00}. 

I have already paid the adjust amount, and it seems that XXXX has split up their collections requests to intentionally confuse consumers. I was told that had I not paid the first collections bill, I could have called the XXXX and paid the adjust amount entirely off ( which is the same amount approximatley as the first collections bill ).
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (GA)

Hello, Ive contacted carmax on XX/XX/XXXX. I told them my information was compromised and it wasn't me that obtained the vehicle. ive been a victim of identity fraud in the past and I've had my drivers license number changed due to the situation I've had a police report made and I sent in all the necessary documents to the creditor, the creditor still didn't remove from my credit report. the address that's attached to that loan is not even on my credit report. So I'm frustrated and confused because I care too much about my credit and my financial responsibility. Its also pass the statue of limitations its been on my credit since XX/XX/XXXX.
Consumer complaint received 2022-09-27
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)

In accordance with FCRA. this creditor has violated my rights under 15 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-31
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

On XX/XX/2022 I attempted to transfer {$5.00} worth of XXXX  ( cypto currency ) to my Kraken ( crypto currency exchange company ) account. I have done this hundreds of times before using other exchanges. This was my first attempt using Kraken. Well the money never shows up in my account. I contact customer service and was told I didn't do the transfer correctly ( Huh? ). I needed include a Memo entry ( Huh? ). I was told to get my money back I need to send the MORE money ( Say what? ) I provided them with screen prints showing where the money came from and the address. I asked simply for them to refund my money to my XXXX wallet where it came from. They insisted that I will need to send them MORE money! Of course, I refused. If a thief steals your money, it would be stupid to give the thief more money to get it back. They are simply scamming people. 

My account number AKA public key is XXXX XXXX XXXX XXXX 

I can provide the same screen prints. I closed my account fearing I could be scammed in the future.
Consumer complaint received 2024-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (SC)

Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed. 

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IL)

On XX/XX/22 I was searching for loan lenders and Minto Money popped up on XXXX. I applied for a {$400.00} loan because I needed help making a tuition payment for school. I got approved and received funds soon after. They were never ( still aren't ) transparent about their rates, fees, or loan periods. I also have since found out they are not regulated by state laws. I have made 9 biweekly payments so far of {$100.00} since XX/XX/22. All payments made through automatic bank payments. I never get any sort of receipt or confirmation email. Nothing. My bank is just charged every XXXX weeks. When I contacted them through their website asking to see how much more I owed, their customer service agent offered to " lower my rates '' ( with no explanation ) if I simply verified by bank login info (? ) through something called " XXXX ''. They then right away sent a text to my phone number asking for verification but I did not respond nor proceed to give out any more information because when I looked them up I found many reports of lawsuits against them including reports of identity theft and scamming. I am extremely concerned and am asking for help as I've given them all of my info ( through process of application ) including my SSN. I was in need of assistance so I took out a loan from them back in XXXX but they were never upfront about their rates or about the payment plan before anything. I feel like I've been taken advantage of and am struggling because of the payments. Mainly I'm concerned that they have my info.