davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Titan Revenue Solutions (CA)

My step father and I recently purchased a vehicle from XXXX. During the process we agreed upon a deferred down payment of {$1000.00}. This amount was never paid and our account was sold to Titan Revenue Solutions. An agent by the name of XXXX XXXX proceeded to contact my father and I about collections on this. My father and I are currently experiencing a bit of a hardship financially due to some cut in working hours and some other family emergencies. So in an attempt to explain to XXXX XXXX about this he proceeds to go off on a tirate about how I need to stop acting like a child and hiding behind daddy, and act like a grown up and make the decision for myself and the phone call abruptly ends. I call back thinking there was a loss in signal and XXXX XXXX proceeds to tell me there was no signal loss he got " Tired of dealing with me '' so he hung up. He began to go into another rant criticizing my age and forcibly asking me if i agree to the amount. I proceed again to try and tell him that my father is in talks with the dealership, yet again he cuts me off and proceeds to tell me that I am XXXXXXXX XXXX XXXX and that he is just going to go ahead and report this on our credit as a refusal to pay.
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC. (GA)

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX employees XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (TX)

In XX/XX/2024, unauthorized charges were made using my Prosper credit card, even though I had the physical card in my possession. These fraudulent charges occurred in a different part of the country, strongly suggesting that my personal data was compromised due to a potential data breach. Despite promptly addressing these charges, Prosper subsequently reduced my credit limit from {$900.00} to {$500.00}, citing an internal credit review. However, my credit monitoring service shows no negative changes, inquiries, or other factors that would justify this reduction.

I believe that Prospers actions are punitive and retaliatory, resulting from their failure to protect my data. Additionally, the explanation provided for the credit limit reduction appears misleading, as it does not reflect the true circumstances. Concerned about further retaliation, I maxed out my credit limit to prevent Prosper from taking additional adverse actions, such as closing my account without justification. 

On XXXX XXXX I requested that Prosper restore my original credit limit, conduct a thorough investigation into the potential data breach, and provide a detailed explanation of the internal credit review process. Despite my efforts, Prosper has not adequately addressed these concerns. 

I am filing this complaint because I believe Prosper has violated the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Equal Credit Opportunity Act ( ECOA ) by failing to protect my data and providing misleading information. I seek the restoration of my original credit limit, an investigation into the data breach, and a clear explanation of Prosper 's actions.

This description provides a clear and concise account of the events, highlighting the potential legal violations and the actions youve taken. It should effectively communicate your concerns to the CFPB and prompt further investigation into Prospers practices.
Consumer complaint received 2023-06-11
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. (OH)

I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : starting with XXXX and ending in XXXX. The account is closed so I don't have access to the full account number. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Consumer complaint received 2024-09-06
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX FIN XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$260.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$260.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC. (MI)

Exeter Finance LLC repossessed the vehicle on XX/XX/XXXX while I was parked at the XXXX headquarters on XXXX XXXX towed the vehicle to XXXX Michigan it was two to three weeks later when I visited the facility to redeem my personal items from the vehicle the creditor was aware that I had been injured in a motor vehicle accident not at fault on XX/XX/XXXX and was unable to work at the salon to earn the extra money needed to maintain the {$680.00} monthly car note payments and the auto insurance, premium, though I reached out to the creditor to inform them That the vehicle was not running right after the accident and I wanted to turn the car in the representative dissuaded me and told me it would be abandonment so I discontinued the monthly payments to avoid the risk of a unforeseen accident occurring due to the wheel popping off. I dont agree how they failed to consider the injuries sustained though I am thankful for the payment extension provided the end of the year in XXXX the accident caused financial hardship and it being that the balance placed on all three credit reports after repossession of {$16000.00} poses a even more harmful, adverse impact to me. I would like consideration for my health and welll being I had every intention to keep the car and to Either trade the car in for a lower interest rate or lower payment but I was told the appraisal for the vehicle was negative equity, more than {$10000.00} I absolutely loved the vehicle and regretful that it was hit by a truck which resulted in repairs not adequate to Drive the vehicle any more.
Consumer complaint received 2024-10-24
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. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Spring Oaks Capital, LLC (MO)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally challenge the erroneous addresses that persist on my credit report. Despite having submitted previous dispute letters regarding this issue, these incorrect addresses remain on file. I am hereby requesting their immediate removal from my report. These addresses are not associated with me and bear no relevance to my credit history. I have already provided the necessary documentation to verify my correct address and have requested the removal of these inaccurate entries. 
However, despite multiple appeals, these errors have yet to be rectified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these false addresses may lead to confusion or inaccuracies that could negatively impact my creditworthiness XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

To Whom It XXXX Concern, This letter serves as a formal, legally binding dispute of the collection account listed under [ XXXX ] on my credit report. This account is reported inaccurately, is unverifiable, and must be removed immediately pursuant to the laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As mandated by 15 U.S.C. 1681e ( b ) of the FCRA, you are required to maintain maximum possible accuracy in the information reported. The presence of this collection account on my credit file violates this requirement, as the account has not been verified as accurate or legitimate by the furnishing party.

Legal Violations and Reasons for Removal : 1. Unverified and Inaccurate Reporting ( FCRA 1681i ) : Under 15 U.S.C. 1681i, I am demanding a complete investigation into the accuracy and legitimacy of this collection account. You are required to verify all aspects of this account with the original creditor. Failure to provide verifiable proof within 30 days obligates you to delete this account from my credit report.

2. Lack of Valid Proof of Debt ( FDCPA 1692g ) : According to 15 U.S.C. 1692g, the collection agency must provide concrete evidence of the debt they are attempting to collect, including a signed contract or legal documentation binding me to this obligation. To date, I have not received any such validation, and I assert that no such proof exists. Without this, you are legally required to delete this account immediately.

3. Violation of Accuracy Requirement ( FCRA 1681s-2 ) : Under 15 U.S.C. 1681s-2, furnishers of information are obligated to report only accurate and complete data. The discrepancies in the reporting of this account ( e.g., wrong balance, incorrect dates, or account status ) render this account unverifiable and inaccurate. This violates the law, and if corrections can not be made within the legally mandated time frame, this account must be removed.

4. Failure to Notify of Dispute ( FCRA 1681i ( b ) ) : If this account remains under investigation or is disputed with the creditor, I demand that this status be updated on my credit report. Failure to comply with this requirement is yet another violation of federal law and will be reported accordingly.

Legal Consequences : I am giving you 30 days from the receipt of this letter to complete your investigation, as required by 15 U.S.C. 1681i. Should you fail to comply, I will have no choice but to escalate this matter, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will pursue legal action for damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance, which could result in statutory and punitive damages.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 2024-10-24
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-24
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. (MI)

Fraudulent accounts are not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX