davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I am a victim of Pig Butchering Scam happened through online trading portal XXXX XXXX XXXX. I had deposited {$140000.00} to my trading account through XXXX and XXXX through crypto transfers. I lost all my hard earned savings as they are not allowing me to withdraw the fund. It's a total scam. I have requested XXXX XXXX XXXX when I came to know about this scam ( its after 2 months ) to track and recall all my transfers. I am not getting any response from the XXXX regarding my request.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes 7-10 business days to receive the letter and its been past that timeframe, twice already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, 2 times already. I still reason various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Original OCC case number : XXXX
Consumer complaint received 2023-11-17
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. (IL)

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
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: JPMORGAN CHASE & CO. (OH)

I received an alert from my XXXX XXXX credit report informing me of a credit inquiry from JPMCB CARD SERVICES, on XX/XX/XXXX XXXX XXXX 
I have not had any contact with this company. I have not authorized any company to access my credit report.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (GA)

A debt collector Westlake Portfolio bought auto loans from a failing business XXXX XXXX and began collecting payments from myself and others. I believe this was in either XXXX - XX/XX/2022. I wasn't notified of these changes being made. I wasn't behind on payments. But knowing that I owed for the car I began paying {$230.00} twice a month. My APR on my contract is 22.17 %. Nowhere in my contract that I can find does it say they can raise it. I've been paying on this car since XX/XX/2022 {$19000.00}. XXXX. So in well over a year I still owe a little more than XXXX. That isn't right. I have asked about the APR and all I get is in response is yes that's right. Now I am behind on my payments and they are giving me a chance to catch up but every payment I send goes towards interest. I have screenshots of my account that clearly shows this.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit score had been increasing over the year XXXX  as I paid off credit cards and my line of equity. I worked very hard and at the mid-XXXX  all my credit cards were clear AND by XX/XX/XXXXXXXX  I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX  was XXXX, which is in the excellent range. I checked every month and would see it go up a point or two. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with Experian, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from Experian, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from Experian, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the emerald city. 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS EXPERIAN WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH EXPERIAN, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.
Consumer complaint received 2024-02-04
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)

This is todays follow up to the following cases : 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 ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/2023, thus it had until XX/XX/2023 at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/2023 through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.
Consumer complaint received 2024-04-03
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. (WA)

I have recently discovered a fradulent credit card account that has been opened without my consent.hThis account is a result of identity theft. I have never initiated nor autorized the opening of this credit card accoount. Furthermore I have several fraudulent hard inquiries : XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX. I request removal of this fraudulent information from my report.
Consumer complaint received 2023-09-14
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. (MI)

In accordance with the Fair Credit reporting act XXXX XXXX, Has violated my rights.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC (TX)

Concora Credit is currently servicing my XXXX XXXX and Destiny Credit M/C account ( s ). I recently received an alert that the address on my profile was changed to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. The address change was never authorized by me. When I inquired about this change, no one at Concora Credit could, or to date inform me as to who authorized the address change or provide me with any explanation as to how this happened, in addition, they forwarded my personal account information to the changed address without my authorization, and even after I alerted the company of this unauthorized change, Concora Credit continued to send my mail to the unauthorized address. Additionally, an unauthorized individual opened the mail parcels and reviewed my personal account information, thereby compromising my personal account information. Additionally, the company in receipt of my personal information, not only have accused me of changing the address they have expressed their disdain for my mail being forwarded to their office. The credit reporting agencies ( XXXX, XXXX, and XXXX ) are refusing to remove the address, because Concora Credit ( XXXX XXXX and Destiny M/C ) is reporting inaccurate and unauthorized information.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Company answered my previous complaint with a contact person, phone number and extension number however the contact person is out of office until XX/XX/XXXX and another contact persons name and extension number is given except that contact person doesn't return phone calls. I've made six phone calls in three days to this other contact person but to no avail. The inability for me to speak to this other contact person is just as bad as if the Company did not my answer my previous complaint at all.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This account is not 100 % accurate. This account consists of fraud. This account is not validated, I ask for a contract with my name in wet signature form, that wasn't presented. I asked for validation of proof and that was a failure. Someone breached my information and apply for this company without consent and. I do not owe Resurgent Receivable no amount, Nor, do i have any business with them. This company is committing fraud by having my information without me knowing. Rule 1002. Requirement of the Original, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692h - Multiple debts, 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692e - False or misleading representations, and mail fraud. 

XXXX XXXX XXXX charge the account off but didn't issue me a 1099c form. If any debt is discharged to the IRS it should not be on my credit report still reporting active or displaying on my report legally. especially, if the account is not validated with a wet signature on a contract.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the highway 3.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 
4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 
5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 
7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 
8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 
9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon XXXX closing. 
10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 
11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 
12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 
13. In return, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 
14. I am currently receiving harassing calls from unknown numbers.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (CA)

I signed up for a bread cashback card in XXXX of XXXX  but have still yet to receive my credit card. I called them in XX/XX/2023 and they said they would re-send it but I still have not received the credit card I was approved for. I am very disappointed. The call center in XXXX is terrible.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (AL)

I purchased a car from US Auto Sales on XXXX It has come to my attention recently that US Auto sales is no longer in business. I was current on my payments. No if I go to the website to try and make a payment I get re-routed to a company called Westlake Portfolio MGMT. So I have started making payments to them for fear of them taking my car that I have worked so hard to pay for. However Westlake has started my loan over from the beginning amount as if I have never paid. I can't seem to get any answers. I never signed any contact with Westlake. Nor was I contacted by anyone about the change. Lastly I purchased a service contract with US Auto only to learn that they never paid XXXX so I'm not sure what they did with the money. I have had to pay for all repairs on my car out of pocket which has been very expensive. Please advise.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing a complaint against Equifax in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Equifax to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-02-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (GA)

First financial resource is a debt collector is refusing to delete this debt off of my credit report. I have informed multiple times that this debt is a result of XXXX XXXX. 

I even sent them a copy of the police report filed against the original creditor XXXX XXXX XXXX XXXX. they have failed to provide any changes, they are still stating that I owe the debt and it needs to be paid. 

I have disputed the collection with XXXX, XXXX, and XXXX. They only provided that the result account is verified and accurate which I informed them that this account is an act of identity theft. 

This is stoping me for the use of my credit worthyness. I am not able to move into a home forcing me to stay with family. Im not able t purchase a vehicle forcing me to use ride share to get to and from work due to being denied credit for an auto loan. 


which is a violation of my consumer rights according to 15 U.S. code 1681a ( q ) ( 3 )