davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

CARHOP /UNIVERSITY XXXX CORP did not provide me the proper legal registration at the time of leasing a vehicle to me ; And as a result the car got impounded and even though! had the money and valid drivers license, insurance etc. The auto pound would not release the vehicle to me because I didn't have valid registration and they also required that i have the title or they wouldn't release it and said that carhop would have to provide me with those documents or come pick up the vehicle themselves. 
I called and explained this to carhop multiple times and they did not care and made absolutely no effort to retrieve the vehicle from the pound! The y were extremely rude and only blamed me for the cops pulling me over and continued to demand payment for me and to make matters worse is that carhop actually signed a legal document with the " XXXX XXXX XXXX pound '' disclaiming their leased vehicle and permitting XXXX XXXX XXXX XXXX to auction the car off as abandoned property : And they never disclosed this to me at any time, they just continued to pressure and harass me for late payments for a car that i no longer had rights to at all! They reported this bogus account to all the credit bureaus as me being delinquent and in default of late payments and intentionally ruined my credit! THEY ALSO NEVER PROVIDED ME WITH ANY LEGAL DISCLOSURE forms of any kind at any time.. after trying to bully me into paying them anyway they finally had some lien title sent to my address after the vehicle was impossible for me to obtain about a month later.. its been a nightmare doing business with this company!
Consumer complaint received 2024-05-09
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. (FL)

I am a known victim of identity theft. I followed the correct procedure of notifying the authorities, filing all the appropriate paperwork and sending it off to the credit bureaus. However. it has been several months an the credit bureaus have failed to respond at all to me. They have not written me or sent me anything at all. I know they only have 30 days to respond and that this is illegal.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

XX/XX/2023 I reached out to Experian regarding a XXXX-point score drop on my credit report. I instantly checked XXXX and XXXX to see if I was impacted the same way as Experian, but all looked good. Infact, my paid off credit card has reflected and my score increased for both bureaus. Experian, however, can not justify the minus XXXX points. 

There was no action taken, I was informed that they can not put in a dispute because the score generates by the FICO score. I explained that there are two other companies who use the same system but can justify a score drop especially when it so high. Experian can not show me.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (TX)

XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. XXXX XXXX XXXX WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR BMG LOANS AT WORK LLC.

1

5 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such fin ancial institution clearly and conspicuously discloses to the consumer, in
writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

If, after any reinvestigation under the paragraph ( 1 ) of any information diputed 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) XXXX, XXXX XXXX and Equifax are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.
Consumer complaint received 2024-02-23
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX am writing to dispute the following items on my credit report, as I believe they are the result of identity theft : XXXXXXXX XXXX ( Account # XXXX ) XXXX. XXXX ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX in XXXX, TX, and I reported this issue to XXXX at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my checking account and would not even give me a reason for doing so. There was no justification for doing so since I was in good standing with them. There was only a fraud with someone in Texas trying to charge {$.00} on my debit card at a gas station. This was not even my fault. 

Additionally, they only gave me a same day notice on a Friday and I had to do without funds for the entire weekend. The funds I have in the account, they want me to wait 1-5 business days before I can get my money back through a cashier 's check from them that is in the account. This banking practice by Bank of Ameria is so very unfair.
Consumer complaint received 2024-08-01
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. (PA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-02-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls Department Store Credit Card- When originally signing up it was advertised vocally by the cashier ( Who I assume is forced to push the card ) that I would receive 30 % off of my transaction on the day of my purchase, providing of course, that I am approved for the credit card with the store. There was no mention of fee 's, charges, or any monetary deficit on my end for getting the card. This however was not the case. After paying for my items in cash and being happy about the discount, I forgot all about the card. Weeks later it arrived in the mail. I put it in my wallet and never activated it nor did I ever use the card. 6 months later, I receive mail stating that I owe {$79.00} + over {$240.00} in fees to Kohls Department Store. This is odd considering that I never even activated the card, let alone approved any purchases with the card. I immediately reached out to the customer service department for the card to which the overseas representative said, and I quote " You owe this money and will pay it off today, sir. how would you like to pay this balance? '' Despite telling them that I never activated the card nor did I ever use or approve it for any transactions. I battled with them for 2 years before finally settling to pay the {$79.00} since this was the amount of the " 30 % off discount ''. I was assured that the card was now completely closed and that I was squared away with Kohls Department Store. Fast forward 3 months later and I have multiple credit alerts showing a major drop in my score from a new delinquent account. XXXX and behold- it was the same card but with a higher balance that last time! I have been scammed, robbed, and they have illegally damaged my credit score. My lawyer and his team has been contacted and is searching for more victims of this egregious scam.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute In has violated my rights. 

I looked at my Trans union credit report on XX/XX/XXXX2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

XXXX XXXX Chief Legal Officer & Corporate Secretary XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Business Account No. XXXX XXXX XXXX : I opened the above captioned account in XX/XX/XXXXXXXX  after being offered a bonus of {$2000.00} for depositing $ XXXX, and maintaining that balance for several months. 

To date, I have never received the {$2000.00} bonus, and I have also been charged monthly service fees because I must maintain the account open until the bonus is paid. 

I have contacted my CitiBank representative, XXXX XXXX at XXXX XXXX XXXX several times about this. Although he has been very helpful and offered to file a formal inquiry, my balance has never been credited for the bonus. 

Rather than file a complaint ( see XXXX XXXX ), I wanted to reach out to you first. 

As you know, the deliberate failure of CitiBank to follow the terms of their bonus offer would constitute, inter alia, fraudulent conversion and violate XXXX XXXX. This provides for treble damages up to {$1000.00}. 

If you were aware of this delay by CitiBank to retain bonuses, you would be subject to Judiciary Law 487 which provides for treble damages. 

At this time I am only asking for {$3000.00} which is the {$2000.00} bonus, and the {$1000.00} additional deposit. The account balance is now less than {$1000.00} due to monthly service fees, since I was required to keep the account open until the bonus was credited. 

In addition, I request {$150.00} which I would have earned by buying $ XXXX of short term T-Bills through my treasurydirect.gov account for the past 12 months. The average annualized yield during the last year has been approximately 5 %. 


Yours, ___________ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-02-23
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)

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I am writing to address the late payments that have appeared on my credit report. It has come to my attention that there are entries reflecting late payments, which I believe are inaccuracies and do not reflect my financial history accurately. XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX disclosed my personal information to nonaffiliated third parties including XXXX, Equifax, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Consumer complaint received 2024-06-22
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)

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC (NJ)

I opened an account with Majority. 3 days later they closed it with no details on why. However I had {$500.00} in funds in the account when they closed it. 
I sent over all my bank details for them to forward the money. They advised 3-5 days.

Its now been 4 weeks with no return of my funds.

Ive sent over 40 emails and getting no response other than one guy responding something in XXXX which was off topic and nothing to do with my account.

The people on the phone are also no help and useless.

Theyre clearly scamming customers for funds and keeping their funds to earn interest.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

On or around XXXX XXXX XXXX and XX/XX/ I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to National Credit Adjusters , LLC. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. National Credit Adjusters , LLC has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.