davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. Auto Credit Corporation (FL)

To whom it may concern, I visited XXXX XXXX XXXX on XX/XX/XXXX on recommendation from a family member. I was helped by a man named XXXX. XXXX was overly pleasant, I am guessing a tactic that he uses to get a sale. I expressed my need for a vehicle and we went and looked at a few. I finally settled on a XXXX XXXX XXXX. I was told the price and told that I would have to have a down payment to get the vehicle because the banking institution was requiring it. I told XXXX XXXX did not have a lot of money and I really could not afford to pay a down payment of the suggested {$3000.00} dollars that he wanted me to pay. Ultimately, we settled on {$1200.00} which is what I had left in my account after I got insurance. But the violation was not the price the violation was the fact the salesman pressured me into making a down payment for the dealership 's financial gain. As stated, in statue XXXX CFR XXXX ( i ) which iterates XXXX credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financial sale as defined in paragraphs ( d ) and ( XXXX ), of this section. '' In lament terms, I was never supposed to pay a down payment on this vehicle and the dealership has violated my consumer rights. They never explained to me about the my finance charge which is legally defined in 12 CFR 1026.4. This dealership used deceptive practices to get me into a loan that I was not comfortable with and because US Auto Credit is the institution that allowed the loan to go through, they are equally at fault.
Consumer complaint received 2024-09-10
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/year> at XXXXXXXX XXXX XXXX, I received a call from XXXX from someone asking to speak to another individual that I was unfamiliar with. I asked what it was about and they only told me it was about a " personal business matter. '' When I asked if this was a debt collection attempt, they simply kept repeating the phrase " personal business matter ''. They eventually told me they were calling on behalf of XXXX XXXX which an internet search led me to believe they are a debt collection agency. 

I told them that I had received several calls from the same company coming from different numbers in recent weeks ( this is a new company-issued phone ), and each time I was told I would be placed on the do not call list. This clearly has not happened. When I asked to speak with a supervisor, I was simply told that there was none available. Eventually, I was passed around and was able to speak to a " team lead '' who assured me that the calls would stop. I told him this was a violation of the Fair Dept Collection Practices Act, and he told me they'd remove my number. I've been told this at least half a dozen times.
Consumer complaint received 2024-08-22
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

Santander Consumer is reporting incorrect information I received alert saying an was 180 days past due for a loan amount of {$100000.00}. This information is incorrect and is not my account. I have never taken a loan out for {$100000.00}. Santander is reporting someone else account on my credit report. I called and explained this to them however, the young lady said that I need to call the CB and let them know. However, this is harming my credit score being that this isn't my account and that the amount of this debt is extremely large. I have asked for documentation showing that I have account with them and they have yet to provide me with any proof. They stated they would have the fraud dept. reach out to me. I haven't heard anything back about the matter. Can we please get this matter resolved as soon as possible please. 

Thanks
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These erroneous entries have severely affected my credit standing, resulting in a significant drop in my FICO score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.
Consumer complaint received 2024-08-11
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. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (NC)

Original Creditor : Exeter Finance LLC Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a Fraction Exeter Finance LLC sold this account to this debt collector. I have asked on different occasions for Exeter to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

On my XXXX, I discovered that I had become a victim of financial crime. One of the companies I was working for as a part-time employee had been hacked, resulting in the compromise of several of my cryptocurrency wallets, including Robinhood, XXXXXXXX XXXX XXXX. I immediately filed a police report, and upon the investigator 's advice, I also filed an FBI report. They recommended that I contact each crypto wallet provider and explain the situation. 

XXXX responded in a professional and helpful manner. They listened to my situation, requested relevant documents, and after conducting a thorough investigation, they acknowledged that my account had indeed been hacked. They decided to issue a refund for the unauthorized transaction amounting to {$7400.00}. 

A similar process occurred with XXXX. I submitted the required documents, and after four days, they confirmed the accuracy of my documents and recognized that my account had been compromised. Unfortunately, due to my residency in the USA, they were unable to reimburse my account. 

However, my experience with Robinhood was disappointing and shocking. After reaching out to inform them about the unauthorized transaction for a total of XXXX XXXX I received an email stating that there was no issue with my account and no transaction had taken place. They did not request any supporting documents or inquire about the disputed transaction. I called them to reopen the case, but the customer service representative I spoke with was extremely rude and refused to reconsider their decision. They also declined to accept any information I offered, including the police report and FBI report containing details of the incident. When I called them for a third time, another representative was equally rude and abruptly ended the call while I was speaking.

Throughout my interaction with Robinhood, I felt attacked and harassed by their investigation team. I requested a copy of the investigation and urged them to clarify why they determined that there was no issue with my account, despite evidence suggesting otherwise. However, they not only refused to provide me with the requested information but also hung up the phone, showing no interest in resolving my issue. 

I am seeking assistance in re-examining Robinhood 's investigation team 's conduct. The service I received from them displayed 100 % racism as they refused to listen to my side of the story or consider any information I could provide to support my claim of unauthorized transactions on my account.
Consumer complaint received 2023-08-07
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: CMG MORTGAGE, INC (MI)

XXXXXXXX XXXX continues to share my financial history with XXXX without my written permission. XXXXXXXX XXXX agreed not to share my non public information with non affiliates. XXXX is not an affiliate of XXXX XXXX and is not the real credit bureau. The only credit bureau is the CFPB and they do not furnish consumer reports. XXXX does not have my permission ro repot any of my financial information pertaining to my account with XXXXXXXX XXXX. 

This is a discharged account and can not be reported as it is income per the IRS.

As a federally protected consumer I am now opting out of any of my information being shared.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NM)

The company is kickoff and they said they would tell the credit bureau that I had a loan with them for XXXX XXXX XXXX dollars and we long as I paid the XXXX dollars a month they would continue to do so. At first I thought it was ok but as time went on I felt like they were lying just to make money. Then it turned into harassment. They were bugging and bugging about this XXXX dollars and I just felt like they were doing something wrong, it didn't feel right. Now they are trying to hurt my credit by saying my account is delinquent but I never borrowed that money. Please tell me what to do about this, I'm really trying to repair my credit
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC (MI)

My lender XXXX XXXX  Has been inaccurately putting in my payments, and are charging me Interest. I have the receipts through email, text, and on their web page that says that I was paying on time. Even though the payment receipt is on their web page. They're still saying that I did not pay for XX/XX/XXXX and they have that I am 50 days late. And now they claim that I owe them {$600.00} and they sent me an email XX/XX/XXXX saying that they sold my loan to a new creditor foresight. I recently just got a letter on the 2nd from the new creditor foresight that I owe them {$910.00} and they are going to repossess my vehicle by the XXXX of XXXX for back pay. I have asked both creditors for a copy of my contract neither one has it they say. They want me to pay both creditors. My loan with the principal was XXXX and it shows on their website that I only paid {$2000.00}. I have receipts that say that I've paid {$8000.00} of my current loan.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (VA)

XX/XX/year>, I contact XXXX XXXX support XXXX times in an email request that XXXX correct the credit report on their website because it's reporting incorrect and inaccurate credit scores. I was told to contact all three agencies. I did on XXXX XXXX, XXXX by phone and online check and they stated my credit scores were accurate and the XXXX XXXX  needs to update their system. This went on from XX/XX/XXXX through XX/XX/year>. I gave it time and checked the system and there is not change. This effects my XXXX XXXX because most of the XXXX XXXX use this service to rate their potential XXXXXXXX XXXX for deposit and my credit scores are incorrect which is leading me to pay XXXX my deposit when I have never missed a rental payment.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (WV)

I have contacted Equifax XXXX for the past few weeks and I have provided them with FTC reports, letters and provided my identity as they requested and They will not remove these inquiries. I need these removed ASAP! I did not authorize ANY of these! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-07-24
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. (WA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-11
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. (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER. THERES NO REASON FOR THIS CREDIT COMPANY TO CONTINUE TO REPORT AND FURNISH FRAUD ACCOUNTS ON MY CREDIT REPORT, MOVING FORWARD ILL WILL BE SUEING THIS COMPANY FOR NOT HONORING AND RESPECTING MY CONSUMER RIGHTS, AND FOR AGGRAVATED IDENTITY THEFT FOR FURNISHING AND REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2024-08-22
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. (MA)

XXXX XXXX TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE: XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXXXXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX  TYPE : Finance companies-non specific
INQUIRY DATE : XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC (IL)

It appears that the Company Harvard Collection Services , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX