davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (NY)

THIS INVESTIGATION HAS TAKEN MORE THAN 30 DAYS AND XXXX IS CAUSING COMMERCIAL AND FINANCIAL INJURY TO ME. I INTEND TO FILE A FEDERAL CRIMINAL COMPLAINT AND FEDERAL CIVIL COMPLAINT AGAINST XXXX I WAS AN IDENTITY THEFT VICTIM OF THE XXXX XXXX BREACH AND XXXX IS NOT REMOVING THE FRAUDULENT ACCOUNTS IN ACCORDANCE WITH THE LAWS BELOW. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor : XXXX XXXX XXXX Account ID : Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX XXXX Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading.

FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession.

Remove any negative marks associated with this incorrect repossession from my credit report.

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. XXXX nor Transunion properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.
Consumer complaint received 2022-12-20
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. (NJ)

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-11-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CCF Intermediate Holdings LLC (CA)

I am unable to use a regular bank because of personal reasons out of my control. I received a lawsuit settlement and a few large checks that I needed to cash. I went to California Check Cashing in XXXX XXXX, CA on XXXX XXXX ( only location in XXXX XXXX ). They cashed a check for {$30000.00} for me ( not all in cash, I was required to put some of the money on their store debit card ) and they charged me {$3000.00} to cash the check. And there were other checks that I have cashed there for {$10000.00} that I was charged {$1000.00} to cash, etc. They charged me 10 % with no cap on the fees. They knew the checks were good. There was no risk involved. They confirmed with the lawyer, etc.i feel like this was predatory banking practices. I had no choice if I wanted the money. After checking with other check cashing facilities locally after the fact, it is obvious that California Check Cashing is in the practice of predatory banking practices. Other businesses have a cap of {$300.00} to cash any check. I am asking that California Check cashing return any money over {$300.00} that they collected from me while cashing any check in their facility. I had identification as well. There was no risk involved in cashing these checks. I feel like they took advantage of my financial situation to their benefit. I wrote them a letter but did not hear back from them.
Consumer complaint received 2022-11-25
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. (FL)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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  has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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 1861c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CO)

I sent a XXXX payment to someone who scammed me. Website is XXXX  : XXXX  Phone # for the criminal who scammed me is XXXX and says his name is " XXXX XXXX '' XXXX 
Email he used to communicate me on was XXXX Email I sent the XXXX payment of {$750.00} to on XX/XX/22 at XXXX was XXXX I called US Bank XXXX XX/XX/22 at around XXXX to report this and wanted to see if I could get the charges reversed and they basically told me it was not their problem and they can't help. Which blows me away that in this time that an electronic transaction can not be traced and these criminals can not be brought to justice? Anyway the bank won't refund the money and I filed a XXXX scam report with XXXX, a local theft report with my police department, and planning on filing an internet crime with the FBI form. I also received an email from XXXX Bank this morning saying that " XXXX '' has changed his XXXX payment address and that I could no longer send him payment to that email if I wanted to. 
On a side note, once I had more time I researched other XXXX XXXX XXXX XXXX  and they all look just like this guys- my thought is that this scam may be further reaching than just this one guy. Also I had no idea that XXXX was not something we could get refunded with - I know XXXX that it is possible as well as CC 's so I just assumed XXXX would do the same but the bank pretty much told me it was not their problem and gave me no instructions on where to go so I had to start googling things which is how I found this CFPB site as well as the XXXX scam site.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. 
Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. 
Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. 
They advised me that it would take a week or so to investigate & reverse this charge. 
I then followed up XXXX  to check on the status of their investigation and was advised " it was still under investigation ''. 
It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. 
It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Consumer complaint received 2022-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 I drove out from XXXX to XXXX XXXX to visit family. I went to the nearest CHASE ATM in XXXX XXXX to deposit XXXX in CASH that I did not feel comfortable carrying on me and I expected to use that to cover my stay time in XXXX. At the time of the deposit, it was a normal process, I put the money in, took some time to add the amount, I confirmed, it then shot me out a receipt that stated to confirm you deposit went through please call chase customer service number. I was confused. I checked my account no funds were pending or deposited. Mind you its XXXX I started freaking out I have XXXX kids I need to care for with these funds. I tried to call chase but because it was a holiday it was closed. I was able to get a small loan until they bank opened back up on XX/XX/22 to speak with someone. I called customer service for chase explained what happened and all she was able to tell me was, it will be investigated can take up to 10 business days we dont have any other information. Im kind blown, all the money I brought to care for myself and children i am no longer entitled to until they investigate and can take up to 10 days?! This is so crazy, the lady who helped me was not helpful, very rude and hung up on me after saying I am not bout to argue with you. This is so frustrating, never happened to me before. I wasnt offering emergency funds or anything. I was left with XXXX dollars after this happened. I will never trust a bank with my money again! This made me feel hopeless, I also had to find other ways to get money from family because the bank had no explication as to what happened to mine. Unbelievable!
Consumer complaint received 2022-11-25
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland funding has been reporting changes to my balance either up a few dollars or down a few dollars to keep my account in current bad standing but this account is paid in full and even if it wasn't the balance would not go up or down ( unless paid ) a few dollars at a time it was placed as a garnishment with a fixed amount. All of the Midland funding reports on my credit are inaccurate. These accounts were paid in full with my taxes. The last payment was in XXXX of 2021. They are still reporting that I owe the full amount. I have a letter from them and the judgement saying this debt is paid.
Consumer complaint received 2022-11-25
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: Bread Financial Holdings, Inc. (NC)

Negligent to report accurate XXXX balance. Company has not reported since XXXX. 

XXXX account numbers on credit report- inaccurate. 
( XXXX and XXXX ) Agent explained that only XXXX XXXX XXXX. 
Company has not reported accurately since XXXX dur to a system upgrade, reported that they would update with credit bureaus within XXXX hours. Again, inaccurate. 

Request for XXXX balance letter could not be sent via email or system, only snail mail.
Consumer complaint received 2022-11-25
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: CURO Intermediate Holdings (MS)

This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.
Consumer complaint received 2022-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

XXXX XXXX XXXX transferred my mortgage to Selene who seem to manipulatively trying to take my property by giving limited information, notices, and now threatening with an intent to accelerate. I received my first notice on XXXX but could not make a payment until XX/XX/XXXX due to large unpaid paid utilities bills due to XXXX XXXX, so I attempted to make a payment ( XXXX ) XX/XX/XXXX, but could NOT make a payment on their website without paying over {$5000.00} which was a number I had never even seen before. So the system would NOT allow me to make a payment at all only pushing me further XXXX past due. 
Next, I receive a certified letter on XX/XX/XXXX ( a XXXX XXXX XXXX XXXX  later ) which threatens intent to accelerate if not paid in full within XXXX XXXX of the date of the letter and the date of the letter is XX/XX/XXXX so thats less than XXXX XXXX! They are greedy, aggressive and manipulative in their strategies to keep me past due. They mentioned a loan modification and for me to apply with XXXX XXXX XXXX XXXX XXXX ) which I completed applications with both and submitted all requested documents.
Consumer complaint received 2022-11-25
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: AmeriCollect (TN)

PLEASE SEE ATTACHMENTS. Americollect has completely disregarded my consumer rights. Violating the FDCPA, FCRA, XXXX, and XXXX laws. Americollect has used my identity without my consent by coercive and deceptive means for its own financial gain. Americollect claims the laws in which protect me allows them to violate me without my knowledge or consent.
Consumer complaint received 2022-11-25
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. (OK)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX acct 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, also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-12-19
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. (GA)

Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

My credit report has information that is incorrect. 

Delete Spouse XXXX. Delete phone numbers XXXX, XXXX. 

Delete following employers permanently : XXXX XXXX XXXX, XXXX XXXX Display Packaging XXXX XXXX XXXX 

Delete following addresses permanently. 
XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2022-11-25
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. (FL)

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. 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 2022-11-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance continues to disregard my complaints by saying that I'm making duplicate complaints when in reality each complaint has been singular and due to continuous verbal abuse expressed by credit acceptance and unfair treatment. Credit Acceptance is threatening repossession and damage of my credit report as well as my husband 's credit report which credit acceptance has yet to fix. I am still being affected by Covid 19 and credit acceptance explained that consumers will be protected as long as we communicate that we are affected. Credit Acceptance is being unfair and abusive towards me and my husband XXXX XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (IA)

Santander repossessed my vehicle, then a year later I was included in the lawsuit against Santander. Since they had already repossessed my vehicle and sold it I wasnt able to get it back, so instead I got a refund check from Santander. They were suppose to remove any balance left.vI have been constantly fighting with the them and XXXX with no response other than them increasing the amount of debt that they were sued to remove
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Viking Client Services (FL)

Viking Services representative XXXX called my business line at XXXX on XX/XX/2022 at approximately XXXX, looking for my daughter to collect a debt. I informed them that they are not supposed to contact the third party about an obligation of a consumer. The representative was rude, disrespectful and intimidating.