davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (CA)

On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX XXXXs in XXXX after I inquired about car financing on their website. They offered {$0.00} XXXX down on a XXXX XXXX XXXX. The representative that sold me the car was not a licensed automotive salesperson, but a " Customer Experience Guide ''. The car did not have an affixed Buyer 's XXXX nor was I provided one. The car did not have a label of Reasonable Market Value of Vehicle, nor was I provided one. I was told that the car price was sold at cost. I was not provided any credit score disclosure. The financing details were not disclosed or explained, including the finance charge of {$23000.00} in addition to the 27.9 % APR which put a total sale price of {$46000.00} on a {$16000.00} car. The monthly double payment totaling {$670.00} was not disclosed until after the contract was signed. The dealer provided an XXXX XXXX Report that was false. The number of owners was incorrect, it stated no recalls when in fact it was subject to two recalls. I was not provided with an inspection report and the vehicle was sold with blown shocks, failed control arms, cv bushings, uneven tire wear and a plugged tire as well as existing faulty emissions components. I have every confidence that I am a scam victim by a predatory dealer / lender and targeted because of my age and credit score. This organization takes advantage of consumers who have limited financing options and uses deceptive practices to sell cars under terms they know are unacceptable. I overheard to representatives making wagers on time limits before they will repossess and resell vehicles they recently financed.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Experian has denied me services that are supposed to be provided with my Membership. 
They have removed an open account from my credit report stating it was removed by the Fraud Dept because it was a Fraudulent account. However, I was never notified of this action and I am being denied access to the Fraud Dept to resolve the issue. " Experian Credit Monitoring and Alerts as well as a Dedicated Fraud Resolution Specialist '' are services that I pay for and have been denied. The company with whom I have the open account ( XXXX XXXX  ) has continued to report the account as open and in good standing to Experian monthly.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NY)

On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (PA)

I opened a credit builder account with Self financial services in XXXX of XXXX. It was at this point when all the information I provided was verified. I began making payments and in XXXX of XXXX opened a credit card account with said services. I continued to make all payments on time. This went on until XXXX of XXXX when I received an email stating that my accounts would be closed. The reason they said was that my information couldnt be verified. This is a lie because all of my information was verified when I opened the account and nothing changed. The email said that they would pay out all the money I was owed within 14 days. Its now been a month and a half and I still havent received the money. Ive called and emailed them several times and have been unable to get any results about what information couldnt be verified or when I will receive my money. Ive since found out through XXXX that this company is known for doing this. I believe this is a scam in which they take peoples money and put it in high yield interest accounts in order to profit before returning the money to the people its owed.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-03-14
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance {$0.00} XXXX CARD XXXX Balance {$5500.00} XXXX XXXX XXXX  Inquired on XX/XX/2022.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a serious matter regarding the violation of my privacy rights under federal laws and regulations. It has come to my attention that the credit bureaus XXXX and Experian have failed to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), and also have violated the 15 U.S. Code 6802, and 15 U.S.C. 1681 sections 604, 607, 610, and 621. I have attempted numerous times to resolve this incorrect reporting of my consumer credit information and they have failed to comply even after having many phone calls and speaking to several supervisors they still after I had clearly pointed out their many mistakes did not comply with the FRCA and the 15 U.S.C.
Consumer complaint received 2022-12-08
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. (MI)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 An 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 2023-05-05
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: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX, XXXX XXXX, has violated my rights.

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 an 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 2023-06-02
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: Atlanticus Services Corporation (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

I noticed a debt on my credit with Caine & Weiner I do not have a contract with them for any debt this is a fraudulent account. I have never heard of this company. U also do not have a account with XXXX or contract. All of my bill where also protected through Covid protection. This company is reporting I owe them a balance of {$270.00} open XX/XX/2022 I have never opened an account with Caine & Weiner. I disputed this with the credit reporting agencies & they verified this account as correct as if i had a contract with them. & left this n my credit report.
Consumer complaint received 2023-06-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2023, I applied for a mortgage from Rocket Mortgage online and received a phone call from XXXX XXXX, the mortgage banker. He reviewed my application, then asked for my credit card for an " appraisal deposit '' of {$500.00}. He explained if the appraisal report is {$600.00}, then I will be charged the remaining {$100.00} balance at closing. XX/XX/2023, the purchased agreement was terminated due to issues noted from the inspection report I paid for and HOA review. I emailed the mortgage banker and when I got no response, I called Rocket Mortgage. The representative agreed that no report was ordered yet, but they may take money for the credit report, which I questioned since it was supposed to be a deposit for the appraisal. Please note credit report and other proposed settlement fees were disclosed AFTER taking my credit card number. I called on XX/XX/2023 to get the status of the refund request, only to be told they refunded {$350.00}, and they were keeping {$50.00} for credit report and {$100.00} for appraisal process ( stuff they do before one is actually ordered, he said ). When I expressed my displeasure with using the deposit for something that was not disclosed, and due to my background in the field, there is no way what they did was legal or acceptable, the rep then said he would review to see where the money went, he returned to the call and said he would have someone take a " deeper dive ''. I spoke to XXXX XXXX in escalations who stated she would have an answer for me within a week, trying to convince me that sometimes they put in the appraisal report order and there's a cancellation fee. I advised I would report this since I received misinformation initially, during and after, I know to be untrue during a loan origination process.
Consumer complaint received 2023-03-20
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. (OH)

After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Experian has continually allowed data furnishers to report data that is not compliant with the Metro 2 Standard. The data deviates from the standard agreed upon by Experian according to the CDIA agreement, adopted in accordance with 15 USC 1681. This deviation from the Metro 2 Standard jeopardizes the integrity of the data, Experian has verified that false data is being reported accurately.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, 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. (IL)

Ive been trying to resolve this issue but Equifax refuses to remove the following fraudulent inquiries from my credit report : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-30
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. (GA)

I filed a complaint on XX/XX/24 with XXXX, XXXX, and TransUnion via the CFPB. I asked them to remove some inquiries from my credit report that did not belong to me, but they would not comply. These unauthorized inquiries are a result of identity theft. 15 U.S. Code 1681c2 states that ( a ) BlockExcept as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. I attached the a list of the unauthorized inquiries as well as my FTC report. THESE TRANSACTIONS WERE NOT MADE BY ME. I NEVER GAVE WRITTEN CONSENT TO PULL MY CREDIT. YOU HAVE 4 DAYS TO REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT!
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ).

XXXX XXXX XXXX  and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CO)

I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

on XX/XX/XXXX and XX/XX/2023 $ XXXXand {$4000.00} were fraudulently charged to my discover account a music store in XXXX Georgia Discover notified me and closed that account and opened a new card they had removed the fraudulent charges several days later they put the fraudulent charges back on my new card throught XXXX they removed the charges and added them again XX/XX/XXXX a different girl removed the charges my balance was correct she issued me a new card sent it XXXX XXXX my balace was {$3300.00} the next week was fine around the XXXX my balace was {$9000.00} i called and a girl read a prepared statement saying that i was responcible for the {$5000.00} on my card the card only has a {$4000.00} limit she stuck to her guns apparently a supervisor thinks i am in on the fraud I have never committed a crime their other reason they gave me is that they had already credited that {$5000.00} so the balance was my responcility i paid my card on time and never violated Discover at any time this is ridiculous
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.