davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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: Bread Financial Holdings, Inc. (CA)

I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and XXXX are not approving the dispute, resulting in the open on the XXXX XXXX XXXX  still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.
Consumer complaint received 2022-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about these concerns. Please investigate and remove them from my personal credit file. Thank you. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} ; CAPITAL ONE BANK USA N XXXX Balance {$2400.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (SC)

I was out of work for 3 months due to being diagnosed with a XXXX XXXX. I wasnt getting paid and couldnt pay any bills. My account got behind. Im trying to pay on it now with a debit card. Im not able to add through the online app. There is no phone number to reach anyone. Ive sent multiple emails. They have reported this negative in my credit report as a charge off but I am trying to pay it. I dont want to use the checking account on file
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and Experian are not approving the dispute, resulting in the open on the XXXX Signature Visa still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.
Consumer complaint received 2021-08-25
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: SUN LOAN COMPANY INC. (NV)

On XX/XX/XXXX Sun Loan Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with Sun Loan nor do I have a an account under collection or review with Sun Loan. 
On XX/XX/XXXX I sent Sun Loan a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Consumer complaint received 2024-03-12
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. (KY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX  ) XXXX
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-12
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (IL)

It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} =======TRANSUNION : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of E-OSCAR or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

Santander has been charging me unreasonable amounts of interest when a payment is late, to the tune on {$300.00} per month. I was not informed of this practice at signing, or ever after, until I noticed my loan had not decreased XXXX dollar in 6 months. Also, their obscene 24.99 % rate is undue hardship on me. I believe that XXXX and Santander have an inside deal which has XXXX steer consumers toward these bad loans, because they know in the end they will just have the same car on their lot to resell. 

Santander is disguising outrageous late fees within " simple '' interest, and it is unfair and unjust. XXXX is no better, the agent who sold me the car told me to put higher income than I made, then turned around and gave me the worst loan available.
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/2022, I visited XXXX XXXX in XXXX Tx to complete a consumer credit transaction. 

I was met with sales agent XXXX XXXX. Who showed me several vehicles in which I selected a 2022 XXXX XXXX XXXX XXXX. 

XXXX XXXX advised me that truck total cost would be increase by {$7500.00} because of the times we were living in. I am not sure what that means. 

I advised him I would go to my credit union to apply for the loan. He stated he can run a soft credit check with the Ford Dealership so I may compare rates. I agreed. This was false and misleading ; I was in fact received two hard inquiries for this transaction. 
He stated, I would need to talk with finance about terms. I was then sent upstairs to speak with XXXX. I was told by XXXX. That I was declined for the truck because of the amount of the truck. ( I have this conversation recorded. ) Where he is stating that I was declined because of the truck price and they fact I never purchased a vehicle of that amount. And that I couldnt purchase a vehicle of that amount. 
I felt the dealership feeling uneasy about what just took place. 
I quickly left. 
The truck was originally priced for {$68000.00} by time I left the total cost was {$83000.00}. 

I asked that a manager reach out to me on XX/XX/2022 that never happened. I called back 3 days later no follow up. 

On, XX/XX/2022 I called back to speak with a manager to discuss my concerns about the reason why i was decline and he didn't have a respond to the reason I was being decline. He stated if I could get a cosigner that would be good. 

I have reason to believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I am aware of my rights and know I can not be treated this way. This is indeed unfair and inaccurate billing practices. I feel like I dont want to apply for any more credit. I am losing faith in this banking system
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (FL)

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX CREDIT CARD SERVICES ACCOUNT XXXX ACCOUNT CLOSED XXXX CHARGED OFF. 
PLEASE PROVIDE A VALIDATION LETTER TO SHOW I SIGNED FOR THIS ACCOUNT. PLEASE FURTHER SHOW THE SECURITY DEPOSIT IF ANY WAS PLACED BY MYSELF. 
I have recently been informed by looking at my credit report that this information shows charged off. Then it shows further payment in the amount of XXXX is due. I am unaware of any amount owing on this secured credit card. Upon looking up this company they are virtual and online. Proof of my signature authorizing this account to be open is required in this validation request. Please validate my signature and or the open secured account. Please further have this company show their XXXX as charged-off with bad debt. In absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 15 days to as per the CFPB as per the FCRA section 623 ( a ) ( 3 ) and I am keeping a careful record of your actions. This is also a violation of the FTC which is failure to show proof of my identification IE signature it is Defamation, Negligent Enablement of Identity Fraud and Violation of the FCRA. This is my last and final attempt this will be added to a court order to ensure my rights are being properly enforced.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-01
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. (FL)

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Consumer complaint received 2024-03-12
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. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (GA)

Between XXXX and XXXX, I was denied a credit card through Credit Karma. I was informed of a 90 % pre-approval and influenced to apply for the credit. Once done, I was denied and my credit score dropped. This was done on several different occasions. I believe this to be fraudulent activity which cost me financially.