davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CL Holdings LLC (FL)

Before repossession try to contact the company they never responded until vehicle was repossessed with deceptive, XXXX  tactics on my job. Made agreement for {$900.00} and a monthly payment of $ XXXX. They refused to give anything in writing but threatened if payment is not made on time vehicle will be repossessed. After receiving vehicle there was damage on vehicle which will cost almost {$1000.00} to replace broken lights back & front of vehicle assuming from towing and storage
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-05
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. (TX)

I am writing to formally lodge a complaint against several credit reporting agencies for what I believe to be violations of federal laws concerning the reporting and disclosure of my credit information. My concerns are based on violations of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, the Gramm-Leach-Bliley Act as well as 15 USC 1681 where the credit that is reporting should be 100 % accurate.

The credit bureaus are in violation because all three bureaus are not reporting the same information for one specific company.

1. Violation of 15 U.S.C. 1681a Exclusions : According to 15 U.S.C. 1681a ( 2 ) Exclusions ( A ) ( i ), credit reports should not contain information solely about transactions or experiences between the consumer and the reporting entity. I have observed that my credit report contains detailed transaction history, which appears to be in violation of this provision. This inclusion of transaction history is not only contrary to the FCRA but also impinges on the accuracy and fairness of my credit report.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Under 5 U.S.C. 552a, no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency without prior written consent from the individual concerned. Specifically : Student Loans Reporting : My credit report contains information regarding my student loans that appears to be disclosed without my written consent. This disclosure is a potential violation of the Privacy Act unless it falls under specific exceptions such as routine uses or needs for the record by agency employees performing their duties.

The law provides exceptions for disclosures, including : To officers or employees of the agency who need the record for their duties.

Required under Section 552 of this title.

Routine uses as defined under the Privacy Act.

Census or survey-related activities.

Statistical research or reporting records that are not individually identifiable.

3. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to third parties without proper authorization. I have noticed collections on my credit report that appear to have been shared with third parties without my consent, thereby violating this statutory requirement. The unauthorized sharing of my information is a serious concern and warrants immediate review.
Consumer complaint received 2024-09-05
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. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was shocked to find out that my credit report contains numerous inaccuracies and false information, no wonder why my credit applications keep getting turned down. Dealing with these errors has been so stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DIGITAL FEDERAL CREDIT UNION (MA)

On XXXX XXXX XXXX my bank account at DCU, XXXXXXXX XXXX was hacked and {$11000.00} was fraudulently withdrawn from DCU branches in Arizona. Monday XX/XX/year> I called and reported this fraudulent activity to the fraud department of DCU at the contact number XXXX XXXX. I was told that they had 10 days to investigate the claim. I was contacted by the fraud department approxitmately 10 days later and was told that it was a case of fraud and that they would be reimbursing my account. To date I have not received any reimbursement nor provisional credit in my account. Upon inquiring DCU about the status of my claim a DCU representative responed that DCU has 90 days to settle this fraud case. I dont think this is correct.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-05
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. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA (NJ)

My credit score never change on your system.i appliee apple credit card amd saying my credit score is XXXXbut its totally lie.my credit score is right now XXXX  XXXX and XXXX is XXXXyou guys needs to change it as soon as possible.i cant appeove credit card because your mistake not updating my credit score on the system.pleaee update my information.Thank you.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Assoc, has placed a negative collection notice on my credit report. They failed to advise me about this prior to placing it on my credit report. I reached out to them for validation/verification that its my debt. I have no knowledge of this debt, I've never had a XXXX XXXX XXXX XXXX , they sent me information, ie : account statements, numerous with different addresses. Most had XXXX past due balance and actual payments noted on the statement. I have not paid payments and advised them. Ive spoken with XXXX representatives from Portfolio and requested to send me the signed credit card agreement. All XXXX have told me they do not have that document. they purchased this debt in XX/XX/2019 and only received the documents they've forwarded to me. I've explained this debt is not mine, however, I do see its addressed to me. I advised them that I believe this debt to be my ex husbands and not mine, however they cant provide me the solid proof who it actually is that owns this debt. they continue to report they've proven the validity of this debt to be mine. Account statements being mailed to a variety of addresses ( some I have never lived at ) is not credit card debt validation. The best document to use would be the signed credit card agreement. I have been told who applied and was approved could have applied online and used my social security number. Ive had several accounts on my credit report that I have disputed and know they are not mine, but my ex husbands. He used my social security number to get a different bank credit card. This is not my debt, I believe this is fraud and I also believe Portfolio has not verified and validated this debt. They need to find the person who paid payments and who actually applied and approved for this card. I've sent them XXXX  dispute letters and requested this document. they have failed to truly investigate it and are only concerned with making someone responsible for the debt. Having the correct person responsible is not important to them. This has been on my credit and has caused significant decrease in my credit score. They continue to park this debt on my report knowing they haven't validated and verified this debt legally. the credit bureaus are being told this and haven't fully investigated either. Theyre believing Portfolio and not working on behalf of the consumer. I am once again requesting the document that could validate this debt. If they do not possess this document I am requesting this debt be removed/deleted immediately. Thank you.
Consumer complaint received 2024-10-23
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. (TX)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

I have been a member of Cash Advance Now since last year. On XX/XX/XXXX I was eligible to take out a loan of {$700.00} the payments were {$84.00} weekly on XXXX. I had gone out of town XX/XX/XXXX due to a family emergency. When I returned my hours have gotten cut I had requested to revoke my ACH until I was able to get back on my feet. On XXXX XXXX I reached out to CFPB and I received a response on XXXX XXXX and the response I received was that I made partial payments and that Cash Advance Now is willing to make a settlement of {$440.00} The payment plan began on XXXX XXXX of {$44.00} XXXX XXXX XXXX payments. I reached out in XXXX and asked if I can make my payments monthly instead and my first monthly payment was XX/XX/XXXX of {$75.00}. The second payment was XXXX XXXX of {$75.00} and the last payment was made XXXX XXXX of {$75.00}. I was affected by XXXX XXXX and because of that my hours were cut because my job closed due to the XXXX  and I was out of work for XXXX days. I asked if I can move my payment and it was deferred to XXXX XXXX of {$75.00} making the maturity date to XXXX XXXX. I am trying to get back on track the balance on this settlement is {$170.00}. I am on a fixed income and I am barely getting by and I have been struggling financially for a year and a half and I have Doctor 's Appointments which is costing me money. I do not want to be struggling I would like to settle for what I have paid towards this loan and close the account. I look forward to a resoltion to resolve this matter
Consumer complaint received 2023-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 or 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 2024-09-05
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (TX)

I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (MA)

I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges. 

We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ). 

We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation. 

I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution. 

After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}. 

I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc (AL)

I was inquiring about a possible loan in XX/XX/XXXX. I attach my checking account to the process as it was required. I received a charge on the next day about a membership fee in the amount of {$97.00}. I contacted them immediately to resolve this and requested a refund on XX/XX/XXXX for this unauthorized transaction ; theysent me an email sayingit was canceled. I never saw a refund so onn XX/XX/XXXX i chat with someone and I received a link to get my refund but never heard back from anyone. I contacted the again on XX/XX/XXXX and XX/XX/XXXX. I received a response stating I was in eligible because it wasn't within 14 days of the transaction. I feel as this was a bait and switch just to get money. My was unaware of any membership fee and once I did and requested my money they made it harder to get it back.