davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I submitted a CFPB complaint ( XXXX ) accompanied with my FTC report as well as an affidavit, copies of my identification notifying you ( Experian ) of inaccurate bankruptcy filings being reported on my consumer credit report as a result of identity theft not related to any transaction of my own. On XX/XX/2022 you responded to my filing stating that you are in the process of contacting data furnishers to verify accuracy of information. This is a direct and blatant violation of 15 U.S.C 1681c-2 which clearly states : " 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 after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had a credit card with Children 's Place store chain, via Comenity Capital Bank. I was solicited in the store to save a significant amount off of purchases and earn rewards in purchases in their stores for my children. I have always kept my account in good standing and paid any charges off within the same month I made them. 

in XX/XX/2022, I paid off my last balance with them and had not made any new purchases. Suddenly in XXXX I saw that they had reported my account as being paid late so I logged in to check why. They have been charging me a " Minimum Interest '' of {$2.00} a month but I have a XXXX balance. They can not charge me interest when I do not owe anything. I had not made any purchases. 

I paid the fees once in XXXX because I didn't want to continue to be reported as paying late and I reached out to them via the account messenger. I asked for them to correct this issue and to close my account. I never got an answer back and today I see that they are doing it again, charging me minimum interest fees and late fees when I have not made any purchases. 

today I was able to get someone on the phone, from a overseas call center, who was able to close my account with them. Several attempts to contact them have gone unanswered. This is after they've gotten money from me wrongly from these fraudulent charges and not refunding me. I am filing a complaint because this is a fraudulent money grab on their part and while I'm sure many like me are catching it after paying small amounts, with thousands of customers, this adds up for them.
Consumer complaint received 2024-03-09
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 : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX of age I have a Id that will show that as well
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage. 

On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation. 

Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement. 

1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept. 

2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX  of age I have a Id that will show that as well
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for XXXX days, Citi Bank would give me {$400.00} within XXXX days after the XXXX day balance requirement was met.

I opened my account on XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. XXXX day requirement was met two months later in XX/XX/2018. XXXX days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me and opened a case to investigate. Case was opened on XX/XX/2018. I called again on XX/XX/2018 as I did not receive any updates. The customer service representative had no updates and had no information on the investigation. The representative told me to continue waiting. The representative offered to open another investigation, however could not provide a timeline of when the investigation would be resolved.

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/XXXX, I began to refinance my home with Amerisave.com, an online mortgage company. This lender provided an appraisal of my property within 1 week, after which the customer service dropped off dramatically. I have provided them with every document they have requested within 48 hours of their request. It is now XX/XX/XXXX. Although I have asked multiple times for an estimated closing date, the lender has refused to provide one. They have refused to lock my rate, which has changed considerably since I began my application 4 months ago. They have refused to re-appraise the value of my property which has changed considerably due to the erratic nature of the real estate market nationwide. I can not get them to return my calls. There does not appear to be an end to this process.
Consumer complaint received 2023-09-05
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. (TN)

Notice of Dispute I XXXX XXXX XXXX, am a Consumer as defined by law and have the Right to privacy and the right to Opt out of reporting information about my personal, family, and households private affairs. 
I am currently going through a private arbitration through the XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX. The account has been reported inaccurately and has never been Validated by the Oringinal Creditor, XXXX XXXX XXXX as defined in 15 USC 1602 definition of Creditor when using and open end credit plan ( XXXX XXXX ) the card issuer is the Original Creditor. Until my right to opt out has been presented along with a validation request, the reporting of this account is unauthorized and inaccurate, and must be deleted from my consumer reports. From the time of receipt of this notice, submitted through the CFPB, any further reporting of this account will be considered willful misconduct and willfully causing injury to a consumer for the financial gain of the Credit Reporting agency, with malicious intent.
Consumer complaint received 2023-09-05
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. (TN)

Notice of Dispute I XXXX XXXX XXXX, am a Consumer as defined by law and have the Right to privacy and the right to Opt out of reporting information about my personal, family, and households private affairs. 
I am currently going through a private arbitration through the XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX. The account has been reported inaccurately and has never been Validated by the Oringinal Creditor, XXXX XXXX XXXX as defined in 15 USC 1602 definition of Creditor when using and open end credit plan ( XXXX XXXX ) the card issuer is the Original Creditor. Until my right to opt out has been presented along with a validation request, the reporting of this account is unauthorized and inaccurate, and must be deleted from my consumer reports. From the time of receipt of this notice, submitted through the CFPB, any further reporting of this account will be considered willful misconduct and willfully causing injury to a consumer for the financial gain of the Credit Reporting agency, with malicious intent.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2022-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

I made a payment to Ally Financial on XX/XX/2022 via tendering a postal money order XXXX XXXX TENDER OF PAYMENT. and my postal money order was dishonored and returned to me and they not state the reason why it was not honored and accepted
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-19
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 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, has violated my rights. 

XXXX XXXX XXXX 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 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-31
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX  ACCOUNT NUMBER XXXX AND XXXX ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold Experian, XXXX XXXX and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-10-19
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. (FL)

am a natural person, I am a living human being, I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


Accounts 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 XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX INQUIRY XXXX : XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX  XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. 
XXXX XXXX XXXX XXXX Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Adonis Auto Group, LLC (TX)

Subject : Request for Refund of Down payment for XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter regarding the purchase of a XXXX from your car lot during the summer of 2022. I had financed the vehicle with your dealership and unfortunately encountered a significant issue that was promised to be resolved but was not adequately addressed. 

At the time of the purchase, I was assured that the air conditioning ( A/C ) system in the XXXX would be fixed before delivery. However, despite my numerous follow-ups and attempts to have the issue resolved, the A/C problem persisted, and I was left with a vehicle that did not meet the promised standards of functionality. 

As a result of the unresolved A/C issue, I had no choice but to return the vehicle due to stop payments. It is important to note that this action was taken as a last resort, as I genuinely intended to resolve the matter amicably. Regrettably, the lack of response and inability to fix the A/C issue left me with no alternative but to take this step. 

In light of the circumstances and the fact that services were never rendered as agreed upon, I kindly request the refund of my down payment made for the XXXX purchase. It is only fair that I am reimbursed for the amount paid, as the vehicle did not meet the promised condition and the issue was not resolved despite my efforts to communicate with your dealership. 

I must emphasize that I would prefer to handle this matter amicably and avoid any legal action, which would be the next step should my request for a refund be disregarded. I believe it is in both our interests to resolve this issue promptly and in good faith. 

Furthermore, I would appreciate it if all correspondence regarding this matter could be conducted through mail or online communication, as it allows for a clear and documented record of our discussions. 

I would like to mention that the negative impact on my credit report resulting from the return of the vehicle has already been rectified, as the service was not rendered due to the fault of Adonis Car Lot and not my own. 

I kindly request a response to this letter within15 days from the date of receipt. Please provide the necessary steps to proceed with the refund and any additional information or documentation you may require to expedite this process. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution and avoid any further complications. I look forward to hearing from you soon.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.