davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (GA)

I was shopping at old navy when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
Consumer complaint received 2022-05-15
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. (OH)

In Accordance with the Fair Credit Reporting ACT XXXX, Account Name : XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (IA)

Hello, In early XXXX I took out a loan with TitleMax while living in XXXX, XXXX and paid it off successfully. I was very happy with their services and even borrowed from them via a Visa/Debit card using my vehicle as a form of collateral. Again, I paid the debt off in full, received my title back and was very satisfied with my experience with TitleMax. That was in the state of XXXX 

Fast forward to early XXXX, while now residing in XXXX, XXXX, I once again found myself in dyer need of some extra funds. I thusly sought out TitleMax once again - to borrow against my vehicle. This time however, I WAS SCAMMED IN EVERY SENSE OF THE WORD!!! 

I phoned the nearest TitleMax store, which turned out to be located across the state line in XXXX XXXX, XXXX. When I went there with my spouse in tow, everything SEEMED to go fairly smoothly! I explained several times that I successfully borrowed from their company while living in XXXX AND that I WANTED THE SAME TYPE OF LOAN, because I needed TO BORROW AROUND THE SAME AMOUNT OF FUNDS, WITH THE SAME INTEREST RATE ETC.!!! We were assured that THIS WOULD BE POSSIBLE and that as long as my vehicle was in good condition and had no leins on it etc., etc., terms would be similar to my last loan. I think we had to make two trips back to TitleMax to complete all the paperwork and pick up the check! HOWEVER! LATER ON I WAS LEAD TO BELIEVE THAT I NEEDED TO SIGN AN ADDITIONAL FORM ONLINE! I DID THAT! WHAT I DID NOT REALIZE WAS THE TERMS WERE NOT THE SAME AS THE LOAN IN XXXX!!! EVEN THOUGH THE AGENT WHO WAS WORKING WITH ME ASSURED ME THEY WOULD BE!!! 

Long story short, TitleMax IN THE STATE OF XXXX, played me for a fool! They want me to pay over {$10000.00} in interest on an approximately {$3700.00} loan!!! 

Do I have any recourse this matter? I have already paid them almost double what the original loan amount was and more than the original sale price of the SUV! ENOUGH IS ENOUGH!!! 

Thank you.
Consumer complaint received 2022-05-14
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. (TX)

I have contacted the 3 credit reporting agencies to attempt to fix the problem and i have also asked them to investigate each, send me results of the investigation and remove inquiries I did not authorize. Below is the list of the inquiries, the date it shows on the bureau and the credit reporting agency that reported it without my written consent in accordance with USC 15 1681. 

PREMIUMCRE - 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 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 XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (IL)

I appreciate the efforts made to remove some of the fraudulent items from my credit file resulting from alleged fraudulent activity. However, there remain items that still require removal. Upon reviewing my latest updated personal credit report, I noticed that unauthorized credit inquiries persist. I have personally contacted these companies and requested the removal of their inquiries from my credit profile. Furthermore, I previously requested that you initiate an investigation into the inquiries listed below on my credit report to determine their legitimacy. I am confident that you will find my allegations to be true, and therefore, I request the removal of the following inquiries : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I kindly request an updated copy of my credit report reflecting the removal of these remaining inquiries to be sent to my provided address.
Consumer complaint received 2022-05-14
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: U.S. BANCORP (CA)

I was sent a Visa credit card by Webster Bank, XXXX. that I had not applied for. It seemed like somebody had possibly opened the card in my name, so I called the number to have the account closed, but got a bad feeling when they immediately asked for my SSN, so I hung up with them. The card came in the same mail load as a mail-forwarding form, so it's possible it's a phishing scam made to look like a credit card scam? I've already reported to USPS that I did not in fact submit a mail forwarding request.
Consumer complaint received 2022-05-14
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. (GA)

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX TransUnion & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By Source XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-14
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. (TX)

On XX/XX/XXXX a dispute was delivered to Transunion to investigate a fraudulent late payment reporting to my account. They responded by claiming that it was verified. 

I requested a method of verification and submitted a FTC Identity Theft report to have this unauthorized item removed from my credit reports, but they never responded to my next dispute. Those items were delivered to them on XX/XX/XXXX and I have the tracking numbers here to prove it. 

XXXX XXXX XXXX I ask that you assist me in making Transunion follow the law because if I have to take them to small claims court, I will since they are blatantly ignoring me and my rights.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2024-02-15
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. (MI)

I have been disputing this fraudulent account since XX/XX/2023, nothing has been done. Ive made several complaints with cfpb, disputes directly with the company, requested proof and even paid the debt just to remove it from my credit although it isnt mines and it still appears as an unpaid debt as well as a violation of my consumer rights.
Consumer complaint received 2022-05-14
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. (GA)

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and Experian have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted Experian and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX XXXX & Experian at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX XXXX XXXXXXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Consumer complaint received 2022-05-14
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: CREDIT ACCEPTANCE CORPORATION (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-14
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A states : I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 states : a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, ( XXXX, 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
Consumer complaint received 2022-05-14
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. (NC)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Show less
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Someone has used my XXXX/ crypto to wire transfer funds fraudulent. They also transfered my phone number from tmobile and caused my phone number to be routed to another sim card. I contacted both companies with no access to come to a conclusion.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (CA)

Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond. 

I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ).

First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX  claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes. 

Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account.

Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity.

Goldman must cure their violations of the FCBA.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

I went to XXXX on the XXXX of XXXX 2015, I applied for a credit card and they said I should call the office. I spent over {$200.00} on clothes, I called the office and I was told I would receive a letter in the mail, called the office today XXXX/XXXX/15 at XXXX spoke with XXXX and said he would have to resend the letter. It was hard to understand the accent, asked if he could resend it I said yes.
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX XXXX Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-14
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. (FL)

Noticed my credit score dropped and looked into it, realized an account was showing an account in collections that i had not opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA With a balance of {$1300.00} and original creditor noted to be XXXX XXXX 

I called Experian and was told that the account was opened in XXXX. I have never lived in XXXX and did not authorize anyone to open an account. I have live in my current home since XXXX  and have not live elsewhere since XXXX. 

I started a dispute report with Experian and received an email today that they verified the account as accurate. 

Not sure what else i need to do to prove that this account was not opened by me or authorized by me. Please let me know what more i need to do to get this off my credit report