davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC (NV)

When I purchased my lease I was sold by the sales team that XXXX have their value and I could use the equity at the end. Now that my lease is completing I am told that the only way I can sell it is to buy a new a new vehicle with volvo AND it must also be financed with Volvo. The dealerships have conflicting information, and the representatives at Volvo Financial lack empathy and seem to numb to this situation. We have struggled to make the payments, and were planning to utilize the small equity that we had. Now we have to turn in a unit that has equity and then they charge fees to turn in. Then I am sure they are going to charge to recondition. It just seems deceptive and this process benefits 100 % volvo financial. If I could just pay it off there would be no additional fees. I feel as though no one is standing up for the consumer and they have become greedy with inventory issues.
Consumer complaint received 2022-07-12
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. (NC)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-20
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. (MD)

I'm submitting my complaint about the information that Experian has on my consumer fileXXXX XXXX XXXX XXXX is showing on my consumer file as {$29000.00}. When I contact Experian about this amount showing on my consumer file I get " been verified ''. I'm submitting the disclosure that was provided to me by XXXX XXXX XXXX XXXX and Experian isn't listed. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; According to consumer law under exclusions my information should not be shared. XXXX XXXX XXXX XXXX never stated in their diclosures that any information would be shared with Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MI)

XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Goodafternoon this is XXXX XXXX I'm emailing you to informed u that it was alot of unauthorized transactions has been done to my Capital one XXXX checking account, I've been complaining about the unauthorized transactions for the past 4 months now ... ... .And I have filed a complaint Capital One bank kept denying me of my disputes ... ... And also I file for complaint someone been using my credit card to make purchases through XXXX with my credit card ... .I have an outstanding balance with Capital One on my credit card that I was unaware of ... ... ..Capital One keep saying that was no error on their end when I have bank statements and a police report ... ... Capital One is not trying to reimburse me back my money ... ..Pls can u assist me with this matter as soon as possible ... ... U can contact me by email or by phone ( XXXX ) XXXX
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account : 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
Consumer complaint received 2022-04-23
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. (NY)

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent Experian, XXXX and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to Experian, XXXX and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX XXXX  XXXX  A/C XXXX XXXX XXXX A/C # XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX. XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) inquiry on XX/XX/XXXX Experian : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX inquiry on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Took our car in for service to XXXX XXXX on XX/XX/XXXX and our bill was {$980.00} which was charged to our Chase credit card. On XX/XX/XXXX, two more charges appeared on our credit card which we never signed for, NOR AUTHORIZED, charges were {$900.00} and {$980.00}. On XX/XX/XXXX, XXXX add'l charges appeared on our card which we never signed for nor authorized in amounts of {$980.00}, {$2700.00}, and {$890.00}. On XXXX an additional charge of {$1800.00} was charged fraudently to our card which we never signed for, nor authorized. We had one legitimate charge on XX/XX/XXXX for {$980.00} for work that was never even completed on our vehicle. Every other charge is fraudulent and when we disputed it with Chase, they initially reversed the charges, but several months later came back and said that they proved all charges were legitimate, which we never signed any statements for, nor could they ever provide any proof that we signed for anything. We had one legitimate charge on XX/XX/XXXX for {$980.00} only! We disputed this several times and Chase refused to reverse these fraudulent charges. To this day, we have not gotten any resolution and were being charged interest and late fees if we did not pay the amount in full.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 SUBJECT : Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. 

Hello CFPB, I have heard great things about your agency and helpful employees. 
Bank of America is intentionally Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. ( meaning pay only " current balance ''. 

As a good citizen, i pay my balance before the due date ( or at least portions of it ). On the due date full statement balance is getting paid ( instead of current balance ). So my balance is always in credit ( negative ) and Bank of America is not refunding this unless asked. They are enjoying customers money ( credit balance ) for free and probably investing it. 

Please help to set it up " current balance '' is paid. At this point, this is not possible online or over phone ( screenshot attached )
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Reporting Act XXXX  Account - XXXXXXXX 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.
Consumer complaint received 2022-04-23
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. (WI)

Unauthorized hard inquiries where put on my Transunion credit report from an incident of Identity theft. I did have some closed and open accounts with some of the institutions listed below, however the new inquiries where not initiated by me. The list below shows name of institutions, as well as dates of occurrences. 

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 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.
Consumer complaint received 2022-04-23
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. (OH)

I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( XXXX )
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX @ XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, Account # XXXX : Alleged amount owed {$2000.00} XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXr UT XXXX, Account # XXXX : Alleged amount owed {$300.00} XXXX : Address, XXXX XXXX XXXX XXXX, OR, XXXX Account # XXXX : Alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX Account : XXXX alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX XXXX Account XXXX XXXX Alleged amount owed {$120.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account # XXXX Alleged amount owed {$1100.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX Account XXXX XXXX ALLEGED AMOUNT {$3.00}, XXXX The collections above has been reported as past due balances. I do not know these companies I have never done business with these companies these companies do not have a contract with my signature. I would need them to take this off my credit report and do not try to put it back on my credit report or I will sue them for violating my rights.

15 Us code 1681i reporting inaccurate information.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I opened a new XXXX XXXX after receiving a {$150.00} statement credit promotion when making a {$500.00} purchase at XXXX in XX/XX/2020. I contacted Synchrony Bank, the issuing bank of XXXX XXXX, after three months where I fulfilled the conditions required for the promotions. I contacted them numerous ( over 7 ) times about this issue and they said they would investigate the issue multiple times, but it was never resolved.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express Cards were closed by the company for an excessive number of billing disputes. I hadn't made a billing dispute in over 3 months and the company had only reached out to me once for making billing disputes, and I had only made two since then.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Under 15 U.S CODE 1681E ( B ) AND 15 USC 1681i ( 5 ) THE ACCOUNT REFERENCE NUMBER XXXX WISCONSIN CHILD SUPPORT HAS VIOLATED MY RIGHTS. THIS IS NOT REPORTING 100 % ACCURATE IT LIST THE CHILD SUPPORT COURT AS THE FURNISHER THATS FORGERY AND MISLEADING WHEN THE COURTS DONT REPORT THIS TYPE OF ACCOUNT PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2022-06-10
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)

On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my Experian account number XXXX and reporting XXXX Bankruptcies on my XXXX report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX, account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX open XX/XX/XXXX,
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. Experian needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? XXXX, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on the street. Not where our population needs to evolve too. STOP pushing people into the street. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!