davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (AL)

XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Hello, I would like to file a complaint regarding my previous Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I called and spoke to a representative and he informed me that they had a different contact number associated with my account that does not belong to me. This matter violates the FCRA XXXXFair Credit Reporting Act. I pulled my credit report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/2021 and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Recovery Management (TN)

XXXX XXXX XXXX XXXX  accounts are still showing on my XXXX  credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. XXXX has yet to remove them.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

THIS IS NOT A DUPLICATE REQUEST. YOU MUST ANSWER AND EXPLAIN AFFIRMS UNLAWFUL TACTICS. CLOSING THIS COMPLAINT WILL ONLY LEAD TO ANOTHER. IF YOU CLOSE THAT ONE, I WILL OPEN ANOTHER AND WE CAN CONTINUE THE CYCLE UNTIL AFFIRM ADDRESSES THE FALSE INFORMATION IT KNOWINGLY REPORTED TO THE CRA. 

This is a follow up to a previous complaint ( # XXXX and XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. On XX/XX/XXXX, Affirm responded to complaint # XXXX, with several untruthful comments regarding previous communication from Affirm representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXXXXXX XXXX credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. Also in their response dated XX/XX/XXXX, the representative stated " At this time, Affirm would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his XXXX report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with XXXX validating the account including its status and balance as accurate. I have since made several attempts to contact Affirm which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by Affirm 's arrogant, " we're above the law '' attitude.
Consumer complaint received 2022-05-20
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. (DE)

I am

writing to have the following information deleted from my file. I have recently been denied for a heating system and when I pulled my credit report I noticed a account that does not belong to me reporting on my file. I also noticed about seven inquires that dont belong to me. I am a victim of identity theft and did n
ot 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible so that I can get the repairs I need done without having to pay thousands of dollars that I do not currently have.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

So I had my XXXX balance transfered to my venmo account, I'd done it before no problem. I have my XXXX XXXX  linked to my venmo debit card, so when I make a payment they withdrawl it from my link card if there's no balance on my account. We'll I had tried to make a purchase on my XXXX  and it said it was declined, I knew I had money in my venmo account so I tried it again, declined again. Irritated I went on the venmo app to try and figure out the problem. My trouble shooting kept taking to the same reason, that my account m ay be frozen. I contacted venmo and sure enough my account had been frozen. I asked why, they told me that they had sent me an email and that I needed to resolve the issue via email. I waited and waited and never got an email so I contacted venmo again. I told them that my account had been frozen and I need to resovel whatever issue to have my account un froze. That I never got an email telling me about my frozen account and or how I could remedy the issue. The person I spoke to was helpful she had me verified some stuff and was able to resend the email the they had supposedly sent again. I verified my identity and was told I would be contacted in a few days. So I waited, I finials got an email from them with stated that I had violated there user agreement and that my account would be deactivated and that the money on my account would be held for up to 180 day should they decide to return my money. Wait, what? Should they decide to return my money, it's my freaking money, XXXX? I asked them why their decision was to deactivat my account, what had i done? The gave me no reason. That was not acceptable, so I contacted them a couple more times once to ask them to expedite the release of my funds and another to speak to the mgr or whoever I needed to speak to get my $ released. They said they could not release my $ and I was to refer to the refund and charge back section of there user agreement. Idk, but they stole my money and there's nothing I can do about it is basically what there telling. That's messed up!
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

According to my credit report, the original creditor named XXXX XXXX XXXX XXXX was removed from my credit report as of XX/XX/24XXXX LVNV FUNDING LLC purchased this debt from XXXX XXXX XXXX XXXX  and alleges that I owe the debt. Also according to my consumer reports from XXXX, XXXX, and XXXX, they are all showing different account statuses which is harming my ability to obtain credit for an automobile. 

As a consumer, I am entitled to receive certain information under the law governing debt collection practices ( 15 USC 1692a ). Within five days of the initial communication with me regarding the collection of a debt, the debt collector must provide me with a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement informing me that unless I dispute the validity of the debt, or any portion of it, within thirty days of receiving the notice, the debt will be assumed to be valid by the debt collector.

4. A statement informing me that if I notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against me, and will mail me a copy of such verification or judgment.

5. A statement informing me that, upon my written request within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor. 

These provisions are in place to ensure that I, as a consumer, am provided with essential information about my debts and am afforded the opportunity to dispute any inaccuracies.
Consumer complaint received 2023-10-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-20
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. (NV)

XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights. 
15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a
Consumer complaint received 2022-05-20
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. (NV)

XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights.

15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a
Consumer complaint received 2022-05-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number xxxxx XXXX, XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX XXXX  and XXXX XXXX  Account Number XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
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. (DE)

I am writing to have the following information deleted from my file. I have recently been denied for a heating system and when I pulled my credit report I noticed a account that does not belong to me reporting on my file. I also noticed about seven inquires that dont belong to me. 
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible so that I can get the repairs I need done without having to pay thousands of dollars that I do not currently have.
Consumer complaint received 2019-11-21
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: Fidelity National Information Services, Inc. (FNIS) (SC)

XXXX XXXX once again refuses to say how they can demand a signature on an identity theft report that's produced by the federal government and they can break the law section 605B of the FCRA by not blocking the items within 4 business days. There is a fradulent a dress on my XXXX XXXX XXXX report that was attached to a fraudulent account that they already removed, And yet they're claiming that I gave them this a dress on the phone and I'm telling them it was the fraudster probably. They have a police report that signed and good back to XXXX and this fradulent a dresses from XXXX and yet they are not blocking it they're asking me to go get something else notarized and sign which is totally against the law. 

The law is very clear in does not require what XXXX XXXX  is asking for. 
I want them to say how they derive the power to break the law simply because of a request they come up with as opposed to what the law says and requires. 
Because the FTC report says a business may require that a report be filed with the local law enforcement, It's not mean they can break the law and not block within 4 business days because the law allows them to put it back on if they find something amiss. They still have to block within 4 business days they can't add more time to the law is my claim and what they are doing is breaking the law. That's what I want stop because I'm sure they affect more than just me you don't have to act for an individual but act on the company that's breaking the law. 
I made a statement under the penalty of perjury which courts and the law say is sufficient in lieu of a notary. XXXX XXXX is not accepting this and they're demanding more from me which is a 100 % against the law
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DirectArms (WV)

There is a debt collection that I didn't know about, opened Date openedXXXX, I've visited the XXXX website to view my report and just recently seen this debt collection on there and I immediately filed a dispute over the debt collection because I don't know who the debt collector is or what the debt is from that they're trying to collect, I never received any type of notice about the debt. Here 's the info for the debt collection : Account nameDIRECTARMS, Account typeCollection, Date openedXXXX, Status updatedXXXX XXXXXXXX, Balance {$530.00}, Balance updated XX/XX/XXXX, Original balance {$500.00}, Original creditor XXXX XXXX XXXX XXXX This the only way to contact this company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-09-18
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: Experian Information Solutions Inc. (CA)

I was looking to buy a car and went to XXXX website. I found a car I liked and talk over the phone to " XXXX ''. I applied to be pre-approved over the phone around XXXX, she texted me at XXXX that I was pre-approved and to call her back. First, I called many times and was never able to reach her so the next day, I went to another dealership with a similar car, applied for financing and they told me that my credit was bad and that I had NINE hard inquiries on my credit report the previous day. 

Under no-circumstance I authorized XXXX to run 9 requests on my credit report, I was expecting to have one hard pull but not 9 which is extremely damaging to ym credit. Also I do not understand why someone texts me to call but doesn't pick-up the phone ...
Consumer complaint received 2022-05-20
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. (DE)

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit

report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.