davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2022-08-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC (IA)

I purchased a used XXXX XXXX  XXXX vehicle from XXXX that was financed through American Credit Acceptance On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted American Credit Acceptance numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by American Credit Acceptance in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually American Credit Acceptance repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some XXXX XXXX XXXX.
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-03
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # 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 2022-08-03
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. (NY)

Experian has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Experian continues to report NEGATIVE information. 


VIOLATIONS - totaling {$13000.00} in damages. See attached proof - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations that you, Experian, have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Experian has violated me with aggravated identity theft. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Experian must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Experian has within FOUR DAYS to remove ALL negative derogatory accounts attached AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-08-03
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)

Dated on XX/XX/2022 CFPB Complaint XXXX Experian Information Solutions Inc stated we contacted the data furnisher ( s ) for the account you have disputed and asked them to verify the accuracy of the information with which you disagree. They had responded and verified that the disputed account was accurate as reported. 
However, I, XXXX XXXX, Consumer, am aware that Experian Information Solutions Inc ( Experian ) is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code.

Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Experian ) to prove with documentary evidence that ( Experian ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ). Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2022-08-03
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. (PA)

I did filed a complaint with CFPB last week against Equifax and the result was that Equifax did agreed to immediately deleted and completely removed all the unauthorized fraudulent inquiries that I disputed. As always Equifax doing saying Were sorry and we deleted everything fraudulent. As of today all items still on my Equifax credit report. As usual Equifax playing games and it becomes frustrated. 

The following unauthorized fraudulent inquiries must be deleted immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX I Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

XXXX I called Synchrony Bank customer service XXXX regarding my Amazon Prime Store Card account ending in XXXX. Discussed the following : My statement due XXXX shows new balance of {$1000.00} or total minimum payment due of {$53.00}. Within the new balance, {$570.00} charges on XXXX, were promotional 12 equal payments 0 % APR. However, no where on the statement does it provide the amount of the 12 equal payments nor show the adjusted balance. I am supposed to do the math myself. I was on auto payment and within the online payment resources, no where does it provide the adjusted balance. It offers the same amounts discussed in sentence two above. My phone call was a total of 40 minutes and included a regular rep and accelerated to supervisor. No one could tell me why the statement does not provide crucial payment information and balance adjustments. 

After the above phone call, I called Amazon to report Synchrony 's, I believe, illegal monthly statement. The rep, XXXX, told me he would transfer me to a Synchrony rep who is trained to deal with this problem. I accepted only because I asked the Amazon rep to follow up with me in two hours. I anticipated the same issue I had earlier, and that is what happened. No one can even tell me my adjusted balance. The rep, XXXX, told me I had to call Synchrony monthly for 12 months and ask the adjusted amount that is due. 

This is preposterous and disturbing management. I feel I was lured into a bait and switch situation. I have never seen a statement with monthly deferred payment presented like this, see attached.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. 

My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX  names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX  instead names a XXXX chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. 

This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on Transunion account number XXXX XXXX and XXXX. 
The Washington, D.C. Attorney Generals Office filed and latersettleda lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX  may be the true lender on these loans and that the loans may therefore be invalid. 
XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. 
CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. 

The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AR)

I was put under duress during our conversation. On multiple occasions during the 1 hour and 44 minute conversation I was crying. I was told that my credit would suffer, my credit worthiness wasn't worth this, that my wages would be garnished, I had had multiple letters sent to me ( not true ) I had money from other accounts I can pay the debit with, I need to spend my money wisely and pay the debt I owed, they believe I have money to pay the debit .... etc. They were looking at my credit report, my past jobs, any information they could use to psychologically make me feel like a piece of XXXX for not paying the debit card. I offered them what I had because I was in fear of wage garnishment and lawyer fees. They wanted more and made me decide right then if I was accepting the offer. I asked repeatedly for time to think and the transcripts of the conversation and was ignored. I called the company today to request transcripts of the conversation and was told I would have to sue them to get transcripts and when complaints are filed they use the notes to respond. The notes are skewed in favor of the company and I want the transcripts so that it can be understood what happened and why I believe I was bullied, XXXX XXXX, harassed and tricked or scammed into accepting " a deal '' while under duress. Any company who makes someone make a decision under duress, in fear, and without being able to think about it first is using psychological warfare and it is criminal to use these tactics.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC (TX)

A company called GC services has contacted both my son and my father saying that they're filing a claim against me in XXXX XXXX XXXX. They started calling me 4 times a day on Monday, XX/XX/XXXX. I have received nothing in the mail, there is nothing on my credit report. I have no idea who this company is, much less why they would be filing suit, or why they would be harassing me and contacting my family.
Consumer complaint received 2022-08-03
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 2022-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

In XX/XX/2022, I received a mailing from CITIBANK. It advertised that by opening a new CITI Miles Ahead Savings Account, I can earn AAdvantage bonus miles. The miles would be added to my CITI American Airlines Advantage Mastercard. The mailing clearly states that all I need to do is open the account, deposit {$50000.00} and maintain it for 60 days, and then wait 90 days for 40,000 miles to appear. Please look at the attached mailing. So on XX/XX/2022 I deposited {$50000.00} into a new Citi Miles Ahead Savings Account. Today is XX/XX/2022. The {$50000.00} is still on deposit. I've called CITIBANK 6 times over the last 3 weeks. When I ask how soon the miles will get credited, I get a different answer every time. The last time I called, I was told that they couldn't locate a promotion code attached to that account. So I mailed a copy of the actual literature to CITIBANK, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, along with a cover letter. Still waiting for a response.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.