davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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)

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report I seen that XXXX XXXX XXXX  in the amount of {$490.00} date opened XX/XX/2022 account name XXXX XXXX XXXX  XXXX XXXX looking over the laws set in place congress are as said 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 U.S.C 1681.

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

15 U.S.C 1681 section XXXX A. Section XXXX : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( a ) ( XXXX ) 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 

15 U.S.C 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

15 U.S.C 1681 ( XXXX ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 

The law states also XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX oid ab also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above XXXX and under title XXXX you violate me any further I can sue you as I dont not owe third party debt XXXX anything XXXX law XXXX edition title XXXX as what I thought was loans where actually deposits 15usc 1692 c ( c ) XXXX ( a ) and ( b ) XXXX ( XXXX ) Please XXXX also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX I deposited a check in my grandfather 's account at chase bank for XXXX the lady had told my grandfather and I it would be available in XXXX days. So when we went back in in XXXX days it was on hold. They need to verify the check with the lawyer, my grandfather and me. So my phone number I have them does not come up under my name. Chase tells me to go buy a new phone from XXXX so I do XXXX dollars later that I really didn't have to spend. still not able to verify that number now.I am about to lose my storage and my place if I don't get this check settled in a few weeks. It has been almost XXXX months this has caused me and partner slot of grief and stress in our lives which I do not need. I need this taken care of I'm literally losing my mind over this. I can't believe I have to wait to get my money from a car accident and chase knows it's not fraud they have already released the funds. JUST CANT VERIFY ME. This is so ridiculous. I don't know what else to do.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

With a credit XXXX  score of XXXX prior to applying for a Wells Fargo credit card ( its now XXXX ) I was declined. I was told that it was information contained on my XXXX report, yet my credit is excellent this is the same bank with dismal on line consumer reviews that was fined billions by the federal government for customer fraudulent service charges. Everything with regards to this complaint was a form of deterrent from any such complaints. I have been on the phone for more than an hour. Last person was a XXXX  representative XXXX and the case number is XXXX I think I was declined for reasons other than my credit score and consumer decency. This bank is dishonest to the core. I am appalled that my credit and other personal details are being discussed by XXXX  representatives.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (MN)

This complaint is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. Please provide me with all verifiable proof. 



XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (NV)

as of XXXX of 2024 my card was re order a lady named XXXX XXXX has been stealing all my money and i haven't received any benefits since XXXX of 2024 because of my usability to move around this lady has taken over my identity i went to ssa building and a new payee and I'm being treated as the crime as well as XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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)

According to 15 Usc 1681a2 I did not give written Consent to XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX And XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to furnish the is information to my Experian Credit Report. I also filed an FTC complaint that complaint number is XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Financial Solutions Group, LLC (MI)

I was contacted by phone from a company named Financial Solutions Group claiming they were a government agency who would help me resolve outstanding debts. They are located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX Indiana. They had an attorney named XXXX XXXX at the same address mail a letter regarding the matter. I paid up front {$3200.00} which they retained. I was sued by multiple creditors, and they did nothing to help a default was entered by XXXX XXXX and they refused to work with me. I know they scammed me and did not follow up on the matter. I want these funds returned I am XXXX years old and trusted them to help.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, I purchased a vehicle through XXXX and financed the vehicle through XXXX financial on XXXX XXXX. I was involved in a not at fault on XXXX XXXX and the vehicle was deemed a total loss. The insurance company requested a payoff balance and promptly remitted payment on XX/XX/XXXX for XXXX and additional payment for {$770.00} on XX/XX/XXXX. My account has a XXXX balance but yet I am showing conflicting information in the XXXX portal where it shows {$0.00} payment due. Then when I review all payment details it shows a balance of XXXX which is reporting to my credit report as late every since XXXX of XXXX. I am requesting that they close this account and remove all incorrect information from my credit report as these late payments and amount due are preventing me from securing housing. I have attached copies of my original loan documents, pay off letter from insurance carrier and proof of payments posted with Ally showing I did opt for GAP coverage which would have taken care of any additional outstanding balance. ( never received refund for unused premium ).
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2024-04-22
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. (MD)

I never authorized or gave permission to the credit bureaus, XXXX XXXX XXXX XXXX XXXX to report a late payment or any of my person information to my credit report. According to 18 U.S. Codes 1028A-XXXX identity theft is being commented and those items need to be removed immediately.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

CACH , LLC WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY XXXX. ON XXXX XXXX I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XXXX XXXX WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF CACH , LLC AND XXXX HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (DE)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (VA)

I got the predator loan.I feel I'm being taken advantage of.My car is only worth XXXX $ my pay off is XXXX I pay {$300.00} every other week when I assumed it was only {$300.00} a month.I did not understand as much as I thought being I end up paying {$900.00} a month plus {$300.00} car insurance.I don't know why XXXX XXXX interest rates are so unaffordable and Bridgecrest want the money regardless when you would be better off in a XXXX XXXX for that rate...
Consumer complaint received 2024-04-22
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. (FL)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

The debt is from XXXX with the credit card company called Synchorny Bank. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My payment plans have been changed numerous of times on my behalf however by the payment management plan has been changed the monthly balance still applied each month in which it have been giving me late balances on my payment which I have being trying to catch up. I was told that Im not paying enough towards the balance which I dont understand. Im paying XXXX bi-weekly and the XXXX is still being added towards the account. Some part of the balance was payments where being made and the monthly payment is still being added. To the account I have been asking to speak to someone about the account in financial department and not being able to do so.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I sent a letter to Experian on XX/XX/2024 to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurate data so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau. 

The tracking number for the dispute letter/document is XXXX and was sent via XXXX certified mail. The documents have been received at Experian 's address of XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/2024. The following link to access the tracking number for the documents sent to Experian is a followed. https : XXXX XXXX # Along with this CFPB complaint against Experian, I have attached all documents with the XXXX XXXX number to XXXX the documents being sent to Experian.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2024-04-22
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. (OH)

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.