davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TX)

Company in violations of consumer protection laws : Including fraudulent finance charges which were sold to Bridgcare Acceptance  from XXXX Truth in Lending Act ( TILA ) : This federal law requires creditors to make certain written disclosures concerning finance charges and related aspects of credit transactions and comply with other mandates 2.Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information 3.Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts 4.Consumer Financial Protection Act ( CFPA ) : This federal law prohibits unfair, deceptive, or abusive acts or practices by financial institutions.
Consumer complaint received 2023-07-11
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. (MI)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-26
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)

My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/XXXX   account number XXXX and fraudulent inquiries cap XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX  XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX  be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX HAS VIOLATED SERVAL OF MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A CLARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15. U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT OPEN- END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

REMOVE THE LATE PAYMENT AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

- In XX/XX/XXXX, I received a mailed postcard advertisement from Home Depot for credit card users that offered 10 % off or up to 24 months financing. The mailer clearly states " Coupon Valid XXXX ''. 
- On the evening of XX/XX/XXXX, I attempted to use the promotional code to receive the 10 % off discount, but I received an error message stating that the coupon was not valid. 
- I contacted Home Depot 's Customer Care XXXX account ( @ XXXX ), and the person signing tweets on behalf of Home Depot called herself XXXX. 
- XXXX told me that the coupon was expired, and I challenged that position since the mailer clearly stated " Coupon Valid XX/XX/XXXX - XX/XX/XXXX ''. 
- Here are the last XXXX messages in the XXXX exchange : ( 1 - Home Depot to me : ) The coupon expired on XX/XX/XXXX. -XXXX  XXXX ( 2 - me to Home Depot : ) I hear XXXX XXXX XXXX but I tried to use the coupon on the XXXX. So does that mean XX/XX/XXXX was the last date that the coupon was valid? ... ( 3 - Home Depot to me : ) Correct. -XXXX  XXXX I believe since " XX/XX/XXXX '' was listed as a valid date on the coupon, the code should have still been accepted. 
- I believe this was false and/or deceptive marketing/advertising on behalf of Home Depot .
Consumer complaint received 2023-07-11
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. (NY)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX  XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (CO)

I have sent certified letter multiple times to transunion who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX  please remove
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-08-26
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. (MI)

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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, XXXX, Experian. I provided them XXXX, XXXX, Experian with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC XXXX
Consumer complaint received 2024-09-17
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. (CO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the XXXX information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurate.Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theses accounts needs to be immediately deleted they was file
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

My response to Synchrony Bank to my XXXX email reply to their XX/XX/XXXX email. 

After the most horrendous credit fraud in USA holiday history late XXXX. 

ALL my active Synchrony Bank cards payments fail. 

Sams Club Amazon Prime Phillips 66 Since XX/XX/XXXX til now XX/XX/XXXX your bank account number fails at my bank, because it is NOT A VALID SYNCHRONY BANK ACCOUNT. 

Each of the 8 minthsAfter phone payments, online payments and customer service payments, INVALID BANK ACCOUNT is why the PAYMENTS DO NOT COMPLETE. 

Some how ALL 3 of my active Synchrony Bank cards payments fail. Possibly there is corruption within your bank or hackers in your system. 

As a retired XXXX, I know that programmers can steal within the banks computer system by using a VALID ACCOUNT NUMBER. 

UNTIL THEY GET CAUGHT. 

THEN THAT ACCOUNT NUMBER IS FLAGGED BY ALL BANKING FRAUD COMPUTER SYSTEMS. 

My active Synchrony Bank cards payments that fail are : Sams Club Amazon Prime Phillips 66 Since the only way is to make mail payments, I notice the addresses keep changing from. 

XXXX, FL to XXXX, PA to XXXX, TX Can my payments to Synchrony Bank get any more confusing? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX - landline XXXX - mobile
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

XXXX, XXXX and Experian credit reporting agencies, only respond that there is nothing they can do. XXXX sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The XXXX credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by XXXX XXXX XXXX, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And XXXX has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the XXXX credit reporting should be held responsible according to the lawsuit. And I am XXXX that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

This is the XXXX of XXXX XXXX XXXX. 
We recently received a credit card bill from XXXX 's which we never applied. The account number is XXXX. XXXX {$15000.00} purchase at XX/XX/2023, INVOICE # XXXX. I've called XXXX 's about the issue and they told me that we actually don't have to do anything.
Consumer complaint received 2023-07-11
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: Chime Financial Inc (TX)

In XXXX of this year I had my social security money deposited into Chime an online bank. When the money was posted tomy account t was almost immediately taken along with the 4 dollars i had in the account..I immediately called Chime customer service and tried to get them to stop the transaction they refused. total amount taken was XXXX  all the money i had to live on. I filed a dispute with them after waiting almost 90 days the told me the transaction was legitimate and they weren't going to return anything. I.ve tried everything to get them to reverse this rediculous decision to no avail. i have filed a police report I have contacted the Federal Trade Commission and the Social Security Administration about this matter. I asked Chime to send me all the documents they usaed to come to this conclusion the only thing I received was a statement of the activity on the account. I don't see anything that pretains to any sort of investigation. this has caused me tremendous financial hardship
Consumer complaint received 2023-08-27
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. (IL)

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. Governor of Illinois executive order number 14 to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter XXXX XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Consumer complaint received 2023-08-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me. 
The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates