davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (WA)

I am concerned that AmeriCredit dba GM Financial and XXXX XXXX may attempt to take actions that could cause harm to me. I would like to pursue pressing charges. 
I am writing to formally notify the CFPB that I am a victim of identity theft committed against me AmeriCredit Financial Services dba GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent activity related to a forged and unauthorized second Retail Installment Sale Contract ( XXXX ) dated XX/XX/XXXX, has been created and executed without my authorization in order to obtain funding. It is this fraudulent contract that GM Financial is using to validate and enforce an alleged debt obligation. I did not enter into this contract, and the signature purported to mine has been forged eight times. 

I have fully complied with the law by submitting an identity theft claim and declaration pursuant to California Civil Code 1798.93 ( c ) ( 1 ) and ( 2 ), since the contract originated in California, and it was mailed and delivered to the alleged lender GM Financial. I also submitted a billing error resolution notice under 12 CFR 1026.13, which was received by GM Financial on XX/XX/XXXX. Both XXXX XXXX XXXX XXXX and AmeriCredit Financial Services , Inc. dba GM Financial have committed fraud, identity theft, and forgery against me by creating a fraudulent and forged Retail Installment Sale Contract without my knowledge or consent. GM Financial is currently using this forged contract to enforce an obligation they are legally prohibited from enforcing.

Under 12 CFR 1026.13 ( d ) ( 1 ), I am entitled to withhold the disputed amount, which encompasses the entire contract amount, and any collection activity related to it is prohibited by law. Additionally, since the transaction involved the electronic transfer of money, there is a strong indication that wire and bank fraud may have occurred.

I am also in the process of filing further authoritative complaints with the California and Washington Attorneys General, the IRS, and the SEC, among other entities. This issue appears to extend beyond my individual contract, as the language imprinted on the fraudulent contract aligns with GM Financials SEC filings, suggesting it may be part of a broader securitization program. This matter requires further investigation.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MD)

My statement just cycled and it is not reflecting the Federal Reserve interest rate decrease that occurred last month as my APR prior to the Federal Reserve interest rate decrease was 29.99 % and since the statement just cycled it should be reflecting 29.49 % and it isn't therefore I called Barclays and they said that I would receive a letter indicating any reduction and I explained to the representative that I don't receive any letters from any card issuers about Federal Reserve interest rate decreasing on account it just gets adjusted properly on the account but the representative wanted to argue with me about on the phone so I have now CLOSED THE ACCOUNT and they lost me as a customer!!
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (AZ)

We entered the deal In good faith turn out it was fraud. I XXXX XXXX XXXX and not legally bonded to any thing that is manipulated/ tricked /chorused to. The deal was establish on fraud and I am not legally bonded to. Because we are under the Uniformed commercial code All financial statements should be under the commercial code otherwise it is securities fraud. Section UCC1. On reviewing our original contract and the contract bill of sale we noticed forged signatures and that the contract was not duplicate from the original. This IS NOT JUST illegal but identity theft for a purchase of a sale. The original creditor violated the contract just this alone is a violation of my consumer rights. I RESERVE MY RIGHT TO AMEND THE CONTRACT. Auto dealer fraud/Securities fraud/Extortion/insurance fraud thru gap insurance/the interest was charged without my knowledge/forged signature/company does not have original contract/increased amount on sticker price/forgery/idenity theft/ power of attorney, notary, and finance manager were represented as the same person. According to UCC1, all securities should be filed under the UCC system. There is not Lawful securities interest against XXXX XXXX or the vehicle. Certified copy of an UCC11 that there are not liens present. Affidavit the debt has been paid in full. As the day of all sum of charges. XX/XX/year>. 

The following laws have been violated as per contract, XXXX XXXX. I am able to legally revise and or back out of contract when deal was based on fraud. I followed the truth of the affidavit that the following laws have been harmful and have affected my life, my credit, my livelihood and my financial reputation I would like to recede my contract based on the following laws. 
FDIC llaws and regulations 1026.23 used vehicles of sale right to recede 15 USD 1605 determination of finance charge 15 USC 1602 L defines and provides rules for construction of sale 15 USC 1662M regulation of down payments 15 USC 1681 FCRA REGULATION OF CONSUMER RIGHT REPORTING AGENCY AGAINST PRIVACY RIGHTS 15 USC 1605 A THE SUM OF ALL CHARGES, PAYABLE, DIRECTLY OR INDIRECTLY BY THE CREDITORS AS AN INCIDENT TO THE EXTENSION OF CREDIT 15 USC 1681 governance, how consumer credit report records are access to CRAs 15 USC 1635 is a section of the truth and lending act 1000 federal deposit insurance act 15 USC 6802B option to opt out 15 USC 1629F6 unfair practice 15 USC 1692 abusive misleading practice 15 USC 1692C delete the account 15 USC 1681S2B fair report act 15 USC 1692EB. FDCPA, which is law that prohibits debt collectors from using unfair, deceptive and abusive practices when collecting consumer debts. 
12 USC 412 draft of case bill of sale Auto dealer forged signatures from the bill of sale to the original contract.
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. (PA)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question.

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act.

Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

This complaint is pretty much the same from my last one. 
This new company is trying to collect the same debt that I already squared away with the original creditor. Fraudulently applied for credit card in my name, from Navy Federal Credit Union. The original card was opened in XX/XX/year>. I at the time had not opened a credit card in my name. I know for a fact that I NEVER opened this account. The old company obviously just transferred the supposed debt, to a new companyXXXX XXXX I don't remember the last company, however I have gotten several calls from this new company. 
Please advise. 
Thank you for your time.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My account with 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 in 60 days to be removed. 
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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
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! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
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. (OH)

Dear XXXX Customer Operations & Others, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/2024 is inaccurate, misleading, and violates FCRA 1681s-2 ( b ).

Key Issues with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the 90-day grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA 1681e ( b ), which mandates the highest level of accuracy.

Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX Credit Builder Loan from all credit reporting agencies ( XXXX, Equifax, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within 7 Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA 1681n and 1681o, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within 7 days, or I will proceed with legal action without further communication.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

An account is listed on my credit report that I never opened or had business dealings with this account. There is no contract nor have any transactions occurred with the business. It is listed as XXXX XXXX XXXX XXXX  with a {$0.00} balance. It shows as a closed account but Ive never had an open account with them. 

The second account listed is XXXX XXXX  XXXX XXXX which I believe those are the same just under a different name. And again no account established so it should not be reporting. It shows a {$0.00} balance and closed. This account was never opened.
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX - XXXX SERVICE XXXX, XXXX XXXX XXXX, BANK XXXX  XXXX XXXX XXXX XXXX XXXX CRED XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I submitted a notice of dispute directly to your company because I was unaware of XXXX collection accounts on my credit report. In or around XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section XXXX of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this XXXX  day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this XXXX day investigation I need you to delete from my credit report immediately.
Consumer complaint received 2024-10-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MS)

Purchased ( financed ) vehicle through lender in XX/XX/year>. XXXX contacted me via phone late XX/XX/year>, XXXX day after due date. I informed representative that I was aware of due date and late payment, and that I would make payment as soon as possible. Almost every single day, since XX/XX/XXXX, lender has made INSANELY EXCESSIVE calls. Spoke to lender on phone on XX/XX/XXXX via phone call. I informed representative that I felt that I was being harassed for payment on vehicle because of the excessive calls. I informed representative again that I would make payment as soon as possible. I have been receiving numerous calls from lender, from as early as XXXX central daylight time to XXXX central daylight time. By numerous, I mean at least XXXX or more calls per day, on weekends as well. In my opinion, that is absolutely OVERWHELMING AND DISTASTEFUL! this is my first time conducting business with this lender. I refuse to deal with the excessive calls every day. This treatment is downright outrageous
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report XXXX XXXX 

These discrepancies pertain specifically to my XXXX XXXX account ( XXXX XXXXXXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$190.00} as of XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** The account was originally flagged for charge-off by XXXX XXXX on XX/XX/XXXX showing on your report. The payment summary shows a charge-off starting XXXX of XXXX XXXX. I request clarification on this issue? However, this account is listed as a charge-off under your XXXX XXXX : XXXX According to Experians glossary ( XXXX ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with CRRG guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. Proof of documentation is uploaded.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

Aldous & Associates, on XX/XX/year>, sent me a letter ( reference # XXXX ) stating that I owe {$63.00}. I have filled out a form to cancel my XXXX XXXX  at XXXX 's and handed it to the employee there, yet I still was being charged. On the last day of my membership, I walked to the counter to ask to cancel my membership. I was handed a paper to fill out. If I had known this would become an issue, I would have taken a picture of the form or I asked for a copy. I can't help but think I was setup for a type of " legal '' fraud.