davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (SC)

Approximately around XXXX XXXX 2016, I contacted XXXX XXXX XXXX XXXX SC to obtain a vehicle. I applied for financing and was denied. I was told I needed a co-signer. A relative agreed and we submitted a second application with her as co-signer. 

I was informed that she had a good XXXX XXXX and I had the income to support the application. The loan was approved and I was informed that the paperwork would be overnighted to the relative for signature. I did not see her paperwork. 

In the interim, I added the vehicle to my insurance. My aunt and I both agreed to have her a co-signer. All paperwork and correspondence went to my relative. Neither of us knew that this was the first indication of deception. 

After researching XXXX, I have found that several of my rights have been violated per the FDCPA, which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 

1. XXXX XXXX mislead both myself and relative into a deceptive loan. We entered into an agreement with XXXX, not XXXX XXXX. According to the FDCP, The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 2. XXXX XXXX acted on our behalf and transferred our account to a sub-prime lender, XXXX. 
3. XXXX XXXX misinformed our application intent, which resulted in myself and relative being co-applicants. With my " relative '' being the primary. We would have never agreed to this, " relative '' does not have a Driver 's License. 
4. XXXX has collected on alleged debt for this sub prime loan since XX/XX/2016. The total amount of the vehicle was {$20000.00}. The balance on the loan over 4 years later remains the same. 
5. XXXX has contacted and harassed me as well as my relative on our jobs, cell phones and home numbers. Further, XXXX harassed my relative at her job after being told numerous time that she could not receive such call on her job. Regional Acceptance Corporation has violated the Fair Debt Collection Practices Act, which protects consumers from abusive or harassing treatment by debt collectors, and the Furnisher Rule of the Fair Credit Reporting Act. 
6. Payments on alleged debthave gone to finance fees and late payments, with none to the principal balance. Which has resulted in a balance that has ballooned.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-04-25
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)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Ensuring that payments are consistently made on schedule for this account has been my practice, preventing any occurrences of overdue payments. The reasons for the presence of late payment remarks on my accounts are unclear to me. As stipulated in 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra ()

Im a user of the app Abra and have just left my crypto in the interest account to grow as its a long term investment. 

I went to make a small withdrawal of BTC from the interest account to my wallet. I opened my app this morning and all my money was gone. 

I then went digging and found this has happened to many people due to some email or already they sent out that I never saw, saying I had to do something before XXXX. 

Ive lost everything, there was no email or to tell me this was going to happen. I found a XXXX thread which said to file a complaint with you to get it back. 

As you can see from my attachment, I sent XXXX Btc to my wallet then this morning they took everything.
Consumer complaint received 2023-11-05
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

I never received any clear communication from the debt collector Designed Receivable So for any debts that were incurred. I disputed the collections with all 3 credit bureaus and they still failed to update any current dispute status on my reports. it shows that they last updated the accounts 3-4 years ago? I feel my rights have been violated. 
The collection accounts that I have been disputing are all with Designed Receivable So. I researched my rights and here is what I have found. 
According to 15 USC 1681i XXXX, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. These accounts were disputed directly with the credit bureaus on XX/XX/2022 and XX/XX/2022, and as you see in my attachment no status updates as of my recent disputes. My Rights have been violated.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (AL)

I submitted disputes to the XXXX credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.
Consumer complaint received 2023-11-05
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (AR)

I wrote a letter to the President, XXXX XXXX. In the letter I requested that all my accounts be closed, and my remaining funds be mailed to me via certified check. I also attached an original notarized identity verification form, a copy of my Arkansas driver 's license, a copy of my social security card, and a copy of my 2022 W2 tax return.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TN)

Conns is erroneously reporting my account to the credit bureaus. Conns is reporting the account as written off, which is absolutely incorrect. There was no amount written off. The account was paid in full. I spoke with Conns about the incorrect reporting in XXXX of XXXX, and was told it would be corrected, but Conns has not corrected the account reporting. Conns has been notified the information they are reporting is incorrect, and Conns has acknowledged they are reporting incorrect information. Yet, Conns has chosen, for over a year, to continue reporting the account incorrectly. Conns has had ample time to correct the reporting. Conns is knowingly reporting my account incorrectly to the credit bureaus.
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax XXXX XXXX, I am writing to bring to your attention a persistent issue regarding my personal credit report. I have made multiple requests through investigations and disputes to have the following credit remarks removed : XXXX CLOSED Account Number : XXXX XXXX Account Status : CHARGE_OFF Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : LOAN_TYPE : CHARGE_ACCOUNT Original Creditor Name : XXXX XXXX  XXXX XXXX XXXX CLOSED Account Number : XXXX XXXX Account Status : COLLECTION Owner : INDIVIDUAL Account Type : OTHER Creditor Classification : FINANCIAL Loan Type : DEBT_BUYERS_ACCOUNT Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Despite my previous attempts, these remarks have not been fully removed from my credit report. I have taken the necessary steps to rectify this situation, including sending multiple certified letters, but have not received a satisfactory resolution. I strongly believe these remarks are fraudulent and, therefore, request their immediate removal from my credit report.

In accordance with the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( B ), I wish to remind you of the provisions outlined. This section states that if a consumer notifies a furnisher that they dispute the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute.

Therefore, I kindly request that you take immediate action to remove the aforementioned credit remarks from my personal credit report in accordance with Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act.

It is crucial to rectify this matter promptly to ensure the accuracy and integrity of my credit history. I expect that you will act in accordance with the guidelines outlined in the Fair Credit Reporting Act to address this issue appropriately.

Please inform me in writing of the actions taken to remove these fraudulent remarks from my credit report within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act.

I appreciate your attention to this matter and your prompt resolution of the issue. I trust that you will adhere to the provisions outlined in Section 623 of the Fair Credit Reporting Act to ensure my rights as a consumer are protected
Consumer complaint received 2023-12-07
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (TX)

XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct - the wisely card continues to attach to my ADP for my payroll I only want the account close- Now XX/XX/2023 they are saying I owe them- XX/XX/2023 to day is payroll and I only transferred my pay to my acct-
Consumer complaint received 2023-07-18
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. (MD)

I have never given my consent and feel that Im a victim of identity theft from the following companies : XXXX, XXXX, and Experian. I ask that these situations be resolved.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I am in the process of fixing my credit but Equifax has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Consumer complaint received 2023-11-09
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. (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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-04
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: SYNCHRONY FINANCIAL (AZ)

Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, care credit, synchrony PayPal, Amazon, tjx, another discover, a utility, and XXXX accounts opened but closed by creditor right away. I hsve over XXXX inquiries, my name on my reports has XXXX different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed XXXX police reports XXXX ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (CA)

Some one opend a credit card under my name on XX/XX/XXXX and it pulled up on ny credit score today. KIKOFF/CCB i have notified equifax about the situation. 

there is no number to contact KIKOFF/CCB
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK (TX)

I made XXXX payments on this car of XXXX a month the total of that is XXXX and the total financed was XXXX which leaves XXXX. Now this was during Covid when they came to get my car knowing that I was going to make the payment the next day. They added all these fees so it was impossible for me to get it back. Then they sold it for XXXX and they had that I owed XXXX on my credit for the longest time and they just changed it to XXXX. But I dont see how that I owe that and the way that they have been trying to scam me for XXXX for years just baffles me. I dont owe this amount. They have never given me documentation of anything just letters threatening me to pay.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the FCRA
Consumer complaint received 2023-02-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I'm here to report a general unfair process handled by Marcus bank. I opened quite some CD accounts in this bank. Recently, I noticed I can set how to handle the money after maturity for some accounts but not other accounts. I gave them a call and got to know I can only set it up after one year of account opening. Now, the question becomes why Marcus has this policy? This is just a setting and customers don't really withdraw money before maturity. The default setting is that CD will be renewed to the rate of that time if there is no further instruction from customers. Obviously, Marcus bank plays a game against customers. If customers like me either forget to change setting after one year or miss the maturity email from them, they can just hold the money for another term of CD. If I try to withdraw money after maturity date, they can charge the penalty. This kind of policy is designed intentionally to hurt customers and is not morally a right business practice. I report this not only for myself but also for other Marcus CD customers. Marcus bank by Goldman Sachs should stop this kind of policy and let customers decide how the money will be handled after maturity when the CD account is just opened.