davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (NY)

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXXXXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
When I disputed the wrongly added delinquency with Equifax on XX/XX/XXXX, Equifax failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me a letter without correcting this wrongly added delinquency ( the letter is attached ), even when I tried to contact them to correct the delinquency record after I received the letter, Equifax still had never conducted satisfactory reinvestigation and never tried to contact me to get more details about the payment disputes, and Equifax had never corrected that wrongly added delinquency record. 
On XX/XX/XXXX, I disputed this wrongly added delinquency with Equifax again, unfortunately, Equifax did not meet its reinvestigation obligations again, and on the same day, sent me another letter showing the disputed delinquency unchanged, without any satisfactory reinvestigation ( this letter is also attached here ).
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MA)

I logged into my XXXX  account recently and noticed a XXXX  had been opened in my name and was showing on my account separate from the in store rewards card. I never applied for the card. I never gave permission for a XXXX  to be opened in my name. I contacted XXXX via phone on XX/XX/22. The man said I had been selected as part of an " upgrade '' and the card was opened without me needing to do anything. I told him I wanted it closed completely and taken off my credit. He said he would close it. Then on XX/XX/22, I received an email from XXXX XXXX XXXX  that my card was being mailed to me. I called XXXX  once again. The automated system now gave me my total credit limit and cash advance limit. I spoke to a woman, explained the situation again and asked for the card to be closed completely. She pushed me to keep it open and said it didn't effect me to leave it at {$0.00}. I asked to speak to a supervisor. He told me he was unable to close the card because it was too new. So now I have a XXXX XXXX open in my name that I never consented to and can not close.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (MI)

on XXXX XXXX Barclays bank Delaware gained unauthorized access to my consumer report negatively affecting my credit report. This a violation under 15 usc 1681n I never grant them access & not was not enough its reporting to my credit report and this affects my creditworthiness, and it can be a factor to be denied my own credit which I believe is super cruel and can negatively affect my XXXX  XXXX.
Consumer complaint received 2022-08-19
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. (GA)

In accordance with the Fair Credit Reporting act 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 XXXX : 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 2022-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I disputed {$250.00} charge with XXXX through my Bank of America credit card. I did not know why I was being charged the fee. When I found out I sent back damaged laptop. I asked that BOA credit me or wait until XXXX isdued credit but BOA refused to do so telling me I had to pay the fee otherwise I would be punished for late payment.
Consumer complaint received 2022-08-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-16
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. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-16
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: General Motors Financial Company, Inc. (RI)

My wife and I leased a XXXX XXXX in XXXX of XXXX. We paid the lease on time for 39 consecutive months until XX/XX/XXXX when we turned it in. The vehicle was immaculate but we went over the miles. 
In XXXX, they sent us a {$5300.00} ill for the vehicle. Mileage fee, Registration fee, Dealer Prep fee and {$950.00} dollars of " damage '' which based on the pictures they sent appeared to be minor scratches which the dealer never mentioned when we returned the vehicle. We disputed ONLY the " damage '' and they refused to adjust it and they reported the account as " Charged Off '' in XXXX. In late XXXX, after at least ten calls and at least 5 hours combined of sitting on hold, I finally got an agreement to drop {$270.00} off the {$950.00} " damage ''. I made my first payment of {$850.00} on XX/XX/XXXX and my final payment of {$1000.00} on XX/XX/XXXX ( grand total {$5100.00} paid with then removing the {$270.00} ). 
I have called them an additional 10 plus times and even have a letter from the indicating the account had a XXXX balance as of XX/XX/XXXX. They, however continue to report my account as a charge off ( it was paid off and was not a settlement ) with a {$270.00} balance remaining. I have already lost a full percentage point trying to refinance my mortgage waiting for this to be resolved. This seems completely unfair that they can leverage their financial might against consumers unabated.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I informed CAPITAL ONE of the billing errors on the statement for the month of XXXX. Following the requirements of federal consumer law U.S. Code Title 15 XXXX XXXX, Subchapter 1, part D - credit billing subsection 1666 ( a ) as well as Code of Federal Regulations Title 12, XXXX XXXX XXXX XXXX  ), part 1026, Truth in Lending subpart B, subsection 1026.13 ( b ), I sent written communication to CAPITAL ONE containing the necessary information. 

CAPITAL ONE responded to my Notice of billing errors via written communication which I will provide as evidence, not addressing the billing errors in question and lacking the documentary evidence to support the alleged indebtedness. 

It is my understanding that according to 15 U.S. Code 1637 ( b ) ( 2 ) the creditor must respond to and treat ANY inquiry for clarification or documentation as a billing error and erroneously billed amount. The creditor has not done so and therefore is in violation, as the creditor has not produced the documentary material of their investigation of why CAPITAL ONE has made the determination that there is no billing error which I requested and is required to be furnished upon said request pursuant 15 U.S. Code 1666 ( a ) ( B ) ( ii ) and 12 CFR 1026.13 ( f ) ( 1 ), ( 2 ), ( 3 ). CAPITAL ONE has not clarified ANY of the terms outside of the finance charge. It is understood that finance charges and annual percentage rates are the same according to 15 U.S. Code 1632 ( a ). Any other term they have yet to clarify. CAPITAL ONE is also in violation of 15 U.S. Code 1666d as any credit balance in excess of {$1.00} in connection with a consumer credit balance should be credited to the credit balance. I have notified the creditor and they have yet to credit the account. 

In the 'Notice of billing error, ' I provided the federal consumer law that they are bound to, making them well aware of their violation and criminal implications for wilfully violating consumer law pursuant to 15 U.S. Code 1611 ( 1 ), ( 3 ).
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (IN)

Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was XXXX XXXXl, GM Financial and XXXX XXXX. I was told XXXX XXXXXXXX is an XXXX and federal Law  does not apply to XXXX. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am submitting my third request to have fraudulent items to be removed again from my credit report. I have already sent in a previous CFPB report to showcase my claims being an identity theft victim. During that event, I noticed that included 4 incorrect and erroneously added remarks for XXXX XXXX  ( XXXX cards ) XXXX ( XXXX card ) and XXXX XXXX  account ; all to be removed from my XXXX, Equifax, and XXXX accounts. 
This would also include any and all removal of inquires on these bureaus as well. 

This is a matter that was previously handled after sending in a full FTC report, Police Report, FTC Identity Theft Affidavit packet ( which was notarized ), my full-color copy of my license, social security card, and an official FTC statement along with a copy of 609B to properly explain my protection under the law for an obvious act of stolen identity for accounts I have no familiarity around. 

This was all completed in XXXX of 2024, and added back again in XXXX of 2024, I called back into each bureau by phone to re-verify that they received these items along with my CFPB report. Each bureau confirmed and took their time well over the 5 mandatory business days by law required to remove these remarks ( which ultimately worked again. However upon checking today [ XXXX XXXX, 2024 ] I have noticed that all these accounts were reinserted and should not have been after confirming that they were permanently removed by your group and the three bureaus after checking my credit report. 


I am extremely shocked and appalled that this will continue to happen. I request that these be removed immediately and compensated for the consistent and egregious reinsertion of these items from each credit bureau. This is negatively affecting my ability to refinance my home as rates continue to drop and making me spend unnecessary money on force-pulling my credit reports every month.
Consumer complaint received 2022-08-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (IL)

Company contacted me on XX/XX/2022 regarding a fraudulent account allegedly taken out by my wife. I explained this is fraud and I am verbally disputing the debt and requesting a validation letter showing documentation that this loan is ours and owed. They refused to honor my request and stated they would be suing us instead. Later stated there is already a judgment against my wife. Did not state mini-miranda or call recording disclosure, called with a pre-recorded message, and violated the FDCPA as well as XXXX and XXXX XXXX I will be seeking legal action against this agency for malicious practices.
Consumer complaint received 2022-08-19
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. (MI)

On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with XXXX XXXX back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed XXXX XXXX XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to XXXX XXXX they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
XXXX XXXX stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago
Consumer complaint received 2022-08-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
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. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-09-13
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. (GA)

THIS IS NOT A DUPLICATE Im resubmitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

This correspondence is regarding Convergent Outsourcing, which claims I owe a balance of {$2400.00}. I have requested 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 have requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Any and all negative mark found on my credit reports ( including XXXX, XXXX, XXXX, and any other credit reporting agency they have reported to ) for a debt that I dont owe, is a violation of the FCRA & FDCPA. 
I have been harassed by calls daily. Each time I ask for verification and ownership of the debt, and nothing has been provided and if they can not validate the debt, Convergent Outsourcing must delete all entries with all credit reporting agencies. 

Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary.