davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (LA)

There are some unauthorized inquiries on my report. I dont recognize these lenders and I didnt authorize them to perform a hard inquiry on my credit report. It is against federal law ( Fair Credit Reporting Act - 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' none of these creditors were Authorized by me. FTC report attached. I WANT THESE INQUIRIES REMOVED. XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
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)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
US DEPT EDXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-19
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. (CA)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX/XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

On XX/XX/XXXX i was eligible to take out a secondary loan. I was approved for {$700.00}. the payments for the secondary loan was {$84.00} every week on fridays. I had gone out of town due to a family emergency. I was out of work for a week. When i returned back my hours were cut. I had requested to revoke my ACH until i was able to get back on my feet. I had attempted to get back on track. But on XXXX my bank account was overdrawn due to an unexpected expense i needed to cover. on XX/XX/XXXX two payments were taken out of {$61.00} and {$84.00} were drafted which caused my account to get overdrawn and i was charged overdraft fees. I kept getting calls from Cash Advance Now i have reached out to remove my number to add to the do not call list i was told that my number is placed on the do not call list but i kept getting calls. I reached out again explained my situation. Then placed my number on the do not call list. I did stop getting calls but then i got an email stating that the account resolutions hasnt heard from me. Around XXXX  i had experienced a hardship. I sent an email saying that i am in a hardship and to please cease and desist communication until i get back on my feet. I did start picking up hours last week but i had to pay and take care of other obligations. I am on a fixed income and i am barely making it. I can not continue to pay two loans every week. I would like a settlement that is affordable and whatever i have paid before and to close the loan. I do not want to go through another overdraft in my account. This has been very rough for me during the holidays. I reached out through Consumer Finance Protection Bureau explaining the hardship I was going through. On XX/XX/year> I received a response from Cash Advance Now and the response said I made a partial payment and that Cash Advance Now is willing to make a settlement of {$440.00} to settle the account. How much did I pay in total? And I did have intentions on setting up a payment plan but unfortunately I had fallen behind because I had some financial obligations to take care of. which put me behind which I wasnt expecting to happen I would like to settle for what I have paid or go on a payment plan I am on a fixed income and Im barely making it.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America North Carolina appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies.

The terms and conditions outlined in the privacy notices of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Bank of America North Carolina emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America North Carolina, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.
Consumer complaint received 2024-09-08
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. (PA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

Account ending in XXXX. I need past statements in pdf format from XXXX  2021 to present. I requested these via live chat on the banks website. I was told I needed to submit request via email which I did. No reply. Chatted again and now told I need to change subject in email to billing inquiry. Did this and received email back to call XXXX. I did this and the agent had no idea how to get me the statements but told me to call XXXX. I called this number and the agent put me back into the automated loop where I went to another agent. This went on XXXX times and I hung up because no agent knew how to do it. I went back to live chat and explained everything that happened on XX/XX/XXXX. The agent said she would order the statements and I would receive within XXXX hours. XXXX hours passed with no statements received. I then called XXXX again and this time spoke supervisor XXXX. XXXX assured me I would get the statements within XXXX hours. Nothing has been received and XXXX hours has passed.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

I have checked my credit report and information on there are incorrect information accounts open that were not me. And there are several addresses that are wrong. 
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 XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-19
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. (NC)

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX XXXX and Experian when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully XXXX XXXX UCC 1-308 R.R. W.P.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

I visited XXXX XXXX  XXXX XXXX approximately three years ago with high hopes of being represented for modeling gigs and movie roles. They made enticing promises of providing edited photos and a personal website to boost my career. However, after making the payment, the reality was starkly different. The photos they provided were subpar, the editing was non-existent, and the support they promised was non-responsive. Their communication was lacking, and they even resorted to sending paid links for me to create my own profiles and market myself. 

Despite expressing my dissatisfaction with the services rendered, XXXX XXXXXXXX XXXX XXXX made no effort to rectify the situation or uphold their end of the bargain. When I reached out to XXXX regarding the charge and the issues I faced, they investigated and confirmed that my concerns were valid, leading to a reversal of the charges. 

To my dismay, I recently discovered that XXXX XXXX  XXXX XXXX has a history of deceptive practices and has rebranded itself after being exposed in a show. They have now resorted to filing a debt collection notice against me, demanding an unjustified sum of {$3000.00} without providing any supporting information. The debt collection was filed at the end of XX/XX/XXXX, when the company was known as XXXX. 

Furthermore, I made multiple attempts to contact XXXX between XX/XX/XXXX and XX/XX/XXXX, emphasizing the dissatisfaction with the photos provided, which were not what I had requested and remained unedited. Despite reaching out three times, I received no assistance or response from XXXX regarding the lack of services they had promised. 

On XX/XX/XXXX, I contacted Monterey Financial Services about the lack of response and the results from the investigation, but they also failed to respond. I have retained all correspondence related to these interactions. 

It is evident that this company preys on individuals aspiring to build their careers, exploiting their dreams for financial gain. The deceitful actions of XXXX XXXX XXXX XXXX not only harm individuals like myself but also tarnish the integrity of the industry. It is imperative to hold such fraudulent entities accountable for their actions and seek justice for those who have been taken advantage of in pursuit of their ambitions.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing 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 2023-09-29
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. (NM)

I have been calling and sent letters to Transunion to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 

Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (CO)

Made payment arrangement on XX/XX/24 with employee XXXX to pay the regular payment on XX/XX/24, payment would be 9 days late due to financial hardship. Employee tried to solicit me to refinance the loan or post date a payment so that it would show in their records that the payment was still made in XXXX. I declined. Arrangement was agreed upon and noted in the account. 2 days later on a Saturday XXXX called, I declined call, she immediately called back, I spoke with her and again she was trying to solicit me to post date a payment otherwise I would risk not ever being able to obtain another loan with them. I declined for fear that payment would process early causing overdraft fees to me. XX/XX/24 XXXX called again trying to get me to post date payment again for XXXX so that it would show in records that I paid in XXXX. I declined once again. 
XX/XX/24 another call from manager XXXX this time, he tells me that post dating the payment doesn't benefit the customer it benefits the office so that their collection numbers look good that the payment would show as being paid in XXXX instead of on XX/XX/XXXX. I declined once again and voiced my displeasure in being continously harassed after a payment arrangement had already been made and I was within the 10 day grace period of due date. 
XX/XX/24 twenty minutes after XXXX called. XXXX called stating she was XXXX 's boss and we discussed everything that has happened, again o voiced my displeasure with being harassed and feelings of being bullied into making a post dated payment to make their office look good.