davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX have 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.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (SD)

I traded in my XXXX Mazda XXXX. The company I bought the new vehicle from paid off the lease. Payment was received by Mazda Financial on XX/XX/XXXX but they have not posted the payment to the accounts saying they need additional information from the dealership that was paying off the lease. I spoke with the dealership and they have faxed this information to Mazda three time and have fax receipts to prove Mazda has received them. In the meantime my lease end date was XX/XX/XXXX so Mazda is charging me additional lease payments for extending past the lease end date.
Consumer complaint received 2016-10-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (MD)

I am writing to bring to your attention a significant error on my Equifax credit report, which is negatively impacting my financial opportunities. My correct name is XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX. However, the Equifax credit report is displaying the name XXXX XXXX and an incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 

I have already contacted Equifax multiple times to address this issue, providing them with the necessary documentation to verify my correct name and address. Unfortunately, despite my efforts, Equifax has failed to correct this error and ensure that my credit report reflects accurate and up-to-date information. 

This erroneous information has caused significant difficulties for me, particularly when attempting to obtain credit. Lenders and financial institutions rely on accurate credit reporting to assess my creditworthiness and make informed decisions. The incorrect name and address on my Equifax credit report have created confusion and inaccuracies, resulting in denials or unfavorable terms for credit applications. 

Equifax 's failure to rectify this error is not only a violation of their duty to ensure 100 % accurate credit reporting but also a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I rely on the credit reporting agencies to maintain accurate and reliable credit information, and Equifax 's inaction has severely compromised my trust in their services. 

I kindly request your intervention in resolving this matter promptly. It is crucial that Equifax corrects the name and address information on my credit report to reflect my accurate and current details. This will not only restore the integrity of my credit report but also ensure fair and accurate evaluation of my creditworthiness by lenders and financial institutions.
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (MD)

In response to the company ( JP Morgan Chase ), I am requesting the decision that was suppose to be sent to me. This complaint is in response to case number XXXX. I want to receive a copy of the decision notice that was suppose to be sent to me in XXXX. XXXX XXXX attempted to send me the notice by secure mail upon my request on XX/XX/XXXX. I would like that letter so that I can follow up with the XXXX XXXX XXXX XXXX XXXXXXXX.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquiries on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-12-29
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: Open Dealer Exchange, LLC (MA)

On XX/XX/2021 700 CREDITXXXX XXXX has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2023-07-28
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. (TX)

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 correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$210.00}
Consumer complaint received 2022-09-05
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2024-03-25
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. (SC)

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions.

2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. 
3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report.

Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (TX)

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 : 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 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 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer USA Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Annual Percentage Rate 18.00 % Account Balance XXXX If you would like to pay off your account balance, please Request Payoff Quote Account Maturity XX/XX/XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The dealership forced on me a XXXX XXXX XXXX with XXXX valued at XXXX  telling me it was a must to purchase this warranty. As a result, I ended up with a car loan with Santander Consumer USA in the amount of XXXX  with a usury interest of 18 % applied. Two months later, after speaking with the XXXX XXXX contract holder, I realized that the Warranty package was indeed optional and I canceled it. As such the outstanding balance on loan of XXXX has to be reduced by XXXX I contacted Santander Consumer USA and asked the following : 1. Use {XXXX to reduce the current amount due of XXXX 2. Reduce the monthly payment of XXXX because of the material reduction of the principle amount on which base the monthly payment were calculated. 
Santander Consumer USA has refused both options which means they are using predatory lending practices which I am promptly reporting to CFPB. 
Please negotiate on my behalf and bring Consumer Santander USA within normal and legal lending practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliant Capital Management LLC (ME)

On XX/XX/XXXX ( I have a XXXX XXXX  chat that I can reference ) I received a call from an " XXXX  XXXX '' at my place of business ( private number ). I had just received a promotion in XXXX so it was odd that someone already knew my number. He sounded exasperated and said " It's a good thing I got in touch with you. We have been trying to get into contact with you. '' I asked him what it was about. " There is legal action against you and you need to call another number. '' He mentioned something about a lien on my property and garnished wages. He provided me w/ a number to call of XXXX. I then asked him if I could get more information and he said that he could not give me anymore and that I needed to call the number. He did not mention debt at that time. 

I hung up with him and at first was worried since I do owe some debts. I then reverse phone searched the number and there were complaints against it stating it was a scam. I was no longer worried. I called the number and got an answering machine, lending further proof that this was a scam. 

I am almost certain that XXXX  called me again yesterday ( XX/XX/XXXX ). His number is always private but I can recognize his voice. I answered after the second time a private number called ( these calls were at XXXX XXXX and XXXX ). When I answered he asked if it was me. I confirmed. Then he tried confirming the place I was working at. He kept saying " Hello? Hello? '' as if he could not hear me. He then hung up. Later on the same day, my brother texted me and told me that he had received a call about asking me to testify in court. I had him send me the transcribed message. It said that it was this was from XXXX XXXX and the number was XXXX. My " case number '' is XXXX ( note that the beginning is the phone number ). I called around XXXX and I got the same message that I got when I called the Florida number XXXX  gave me. I left a message for them to call me back. 

Today ( XX/XX/XXXX ) they then called me back and left a message.This time the number was from XXXX. They told me to call back that number and choose extension XXXX. I called from my work number that can not be traced and Someone answered who said it was Capital Management. I did not say anything and hung up. 

In looking back at my voicemail messages, I can see that the South Carolina number has called me on XX/XX/XXXX and XX/XX/XXXX as well. 

Additional numbers that I suspect are them are XXXX and. XXXX. 

For reference, here are 30 reviews stating that this is a scam https : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (UT)

My Husband and I used Freedom Debt Relief to settle our credit card accounts. We were able to successfully complete the program in XXXX, 2019. Our account has an balance of {$510.00} that was supposed to be returned to us among completion of the program. Despite several attempts to retrieve these funds that are due to us, we have not received the funds.
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. (TN)

XXXX XXXX XXXX are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX  XXXX and my XXXX  XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

I checked my credit report on XX/XX/XXXX and did not see any accounts from CREDENCE RESOURCE MANAGEMENT. However, today, XX/XX/XXXX, I see a new account reported by CREDENCE RESOURCE MANAGEMENT from XXXX in the amount of {$290.00}. I never received any correspondence from this company about any debt prior to reporting. According to the Fair Debt Reporting Act, I am supposed to receive written validation and verification with the right to dispute before reporting to the credit bureaus. This company violated that act and illegally reported a debt I never knew about. 
I also checked the State of Florida Department of Business Regulations through XXXX XXXX and saw that CREDENCE RESOURCE MANAGEMENT is NOT authorized to do any business in Florida as they do not have an articles of organization or incorporation nor do they have a statement of positive activity from the state of Florida.