davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted Experian call many time starting from XX/XX/XXXX police report and ftc Experian never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX did my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show experian also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 

( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ).
Consumer complaint received 2022-11-07
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. (NJ)

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. Equifax XXXX # XXXX, Equifax XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( 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 the information is inaccurate.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX & PORTFOLIO RECOVERY ASSOCIATES , LLC have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-11-22
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (CA)

LENDING USA ARE AN UNSCRUPULOUS AND XXXX COMPANY! THEY CHARGE ALL OF THE INTEREST UP FRONT WITH XXXX " ORIGINATION FEES '' OVER 60 % INTEREST ON SIMPLE LOANS!!!! 

THEY OVERCHARGED ME HUNDREDS OF DOLLARS OF INTEREST ON A LOAN THAT I HAD FOR ON A COUPLE OF WEEKS. 

PLEASE LOOK INTO THIS BUSINESS XXXX BUSINESS PRACTICES.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX 15 U.S.C, 1681section 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 XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is TRANSUNION, XXXX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (AL)

I have an American Express gift card that has never been used. The funds do not expire but the date on the card expired. Online American Express says to contact them and they will issue a replacement card. I called the number on the card and reached an automated line that kept saying it was having trouble understanding the card number I was keying in. Then it hung up on me. I called this number three times on XX/XX/XXXX and it hung up each time. Then I called several other American Express customer service numbers. I was put on hold and the people hung up on me twice. A third person told me they couldnt help me and that they would transfer me to someone who could. They transferred me to a disconnected number. Several numbers were disconnected. I tried contacting Amex through their customer service online portal and got a error message that my message could not be delivered. I tried contacting Amex through their customer service email and the email came back as non-deliverable. After reviewing voluminous similar complaints online it appears Amex has rigged their system so that gift card customers can not reach anyone and the company gets to keep the gift card money. I want my money back from this company.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Card Receivables Fund Incorporated (CA)

I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. 
banks like XXXX, XXXX etc. 
XXXX sold my name and all my personal information to Unifund. 
I NEVER HAD AN ACCOUNT WITH XXXX. 
I called XXXX they could not find anything with my social security in their system. 
I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. 
Nothing with XXXX in my entire life. 
Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. 
Since all this started in XXXX they started garnishing my wages. 
XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. 
The Unifund, lawyers office keep their mouth very close. 
So now I am paying for a bill that I never had, and is not mine. 
My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Coast to Coast Financial Solutions, Inc. (CA)

Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.
Consumer complaint received 2022-12-17
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. (MN)

Still having issues with XXXX XXXX and equifax inc reporting fraudulent hard inquiries on my consumer profile. Violation of 15 usc 1681. Its on file with all 3 bureaus that I have been a victim of my data being stolen in the past. And also a victim of equifax data breach. This is my last and final attempt for equifax and XXXX XXXX to remove the fraudulent items on my computer profile before taking Legal action
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (CA)

On XX/XX/XXXX, I was in an accident and received a citation for a XXXX, XXXX Police impounded my vehicle. I filed a claim with XXXX insurance to resolve the total loss and even offered to have the loss paid directly to the lienholder and would settle my ongoing dispute regarding balance outstanding with the lien holder after. 

On XX/XX/XXXX, Global Lending Services ( GLS ) without notice, " SECURED '' the vehicle and all my belongings in it, including valuable medication. They have refused to cooperate with XXXX to make the vehicle available for inspection. I was unaware until XX/XX/XXXX, when XXXX 's adjuster attempted to inspect the vehicle. Between XX/XX/XXXX, and XX/XX/XXXX, the tracking data on my car keys and the additional tracker in the vehicle has confirmed it has been moved to four different locations to prevent me or XXXX from having access to it. The vendor used by GLS, XXXX XXXX does not respond to phone calls and has yet as of this filing, provided and inventory of my possessions in the vehicle as required by Oregon law. 

I have had a dispute with the dealer of the vehicle as it was a washed title sale that inflated the value of the vehicle by {$5100.00} since it was purchased on XX/XX/XXXX. I informed GLS of my dispute, including documentation as well as the outcome of XXXX XXXX arbitration of the dispute in my favor to recover {$1000.00} of the money I paid directly to the lender, and asserted my rights against them as holder in due course, as permitted in my contract. Under the Fair Credit Reporting Act and the Fair Credit Billing Act, until they complete a proper investigation, that amount and any interest due can not be reported as delinquent or even collected against. 

On XX/XX/XXXX, GLS, delivered a non-responsive letter saying if I didn't make the monthly payment as listed they could report the amount as listed, but did not address the issue of the contract being a fraudulent and deceptive sale. 

On XX/XX/XXXX, right after I called them to demand their cooperation with XXXX and an explanation for their failure to address the investigation of the overinflated sale, GLS issued a default letter for {$730.00}, intending to sell the vehicle without allow inspection or claim adjustment. By doing so, they are hoping to prevent introduction of evidence of its prior salvage history. Unfortunately, A copy of the original XXXX claim to XXXX XXXX remains on file at XXXX XXXX XXXX XXXX and is continuing to be reported in XXXX as well as XXXX XXXX XXXX ' databases as of this complaint.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc. (TX)

15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (GA)

I paid the loan out and they suspense the balance. I have proof of what they say it was and proof of my payment. They still want more money. I paid XXXX on XX/XX/2022 It paid overnight, I call them they said they got it the next day. So then they said I owe them for insurance I had the insurance company to send them them their money back. Now they say I owe XXXX
Consumer complaint received 2021-12-11
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: Grain Technology, Inc. (NC)

Please send me XXXX XXXX XXXX including : 1.balance sheet, 2.XXXX XXXX, 3.XXXX XXXX XXXX XXXX XXXX  ), 4.XXXX  XXXX Balance Sheet, 5XXXX, 6.XXXX registration statement, 7. XXXX XXXX 8. XXXX XXXX XXXX call schedules. 
9. 1099-C Your failure to send these documents within 3 days you agree to pay Me {$3000.00} in the form of a check.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This is my last attempt to rectify this situation with Captial One before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Capital one concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called capital one to give any of my personal information to anyone at Capital one including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada  resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question walmart that shows on my credit report opened in XXXX of XXXX, a capital one that was opened in XXXX of XXXX, and a kohl card that was opened in XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada  address is solely for you to correspond with me. If capital one attempts to do so this will be considered fictitious malpractice on capital one and I will contact the Federal Trade Commission and the Attorney General Office.