davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (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 # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (IL)

On XX/XX/2020 my bill did not go through account with 1 missed payment. I am kindly requesting US BANK ( Date opened XX/XX/2020 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please help.
Consumer complaint received 2022-04-06
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: AMERICAN HONDA FINANCE CORP (NC)

I live in XXXX, NC and I bought a car in XXXX XXXX, SC for a new, 2019 XXXX XXXX XXXX. There are a few problems that I have had with this financial contract/ agreement. I financed the car through American Honda Financial. 

The first problem is that I had was the car being repossessed. I struggled to find if the law of SC or the law of NC applied to this contract. The contract said that SC state law was applicable but the finance company said differently. I was not issued a Right to Cure at anytime during the contract, but I also asked the repossession company to leave the car and they told me no. I have been told that this was a possible breach of peace in both states. The car was repossessed on XX/XX/2019. 

The second part of my issues is that the loan was done like a lease, with a balloon payment on it and a purchase option/ exchange option on the agreement. I attempted this prior to the car being taken because I was told by a local dealer that the car had a malfunctioning computer board. 

The third problem is, I called the financial company and was told that even though I made a payment arrangement, I was denied that and the car was repossessed. I was denied even speaking to the employee that made the payment agreement. They told me that I had to make the full purchase price of XXXX dollars to get the car back. I explained to them that I did not feel this was just because of the misleading purchase contract. I told them I was going to file bankruptcy and that it would be better for us both to work something out, but they refused.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.
Consumer complaint received 2023-04-28
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. (GA)

This is my complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-04-28
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)

The following companies are not in compliant to the fair credit reporting law by the act of improper use of my reports. the inquiries below are not recognized nor authorized by me. 


XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report from XXXX shows one name and two active Bank of America credit cards that are unknown to me. 

XXXX says the information were reported to them by BOA and I need to contact BOA for clarification. 

BOA says they do not find the information shown on my credit report in their system and I need to work it out with XXXX.
Consumer complaint received 2015-07-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (CA)

I was fully insured with XXXX XXXX XXXX when I received a bill from XXXX XXXX for lab work that was covered under my insurance. I have proof that I was under insurance at the time. I did not receive any mail about delinquency from this creditor, Advantage Group, who appears to have bought the debt. Now it is showing up on my credit report as unpaid and I want it removed. I did not owe this debt in the first place and I was not notified that it was in collection.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2019 Experian deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 Experian turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my Experian Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from XXXX as well. XXXX  did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my XXXX  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

XXXX has removed both of the Public Records ( Bankruptcies ), from my XXXX   Credit Report, due to inaccuracies. Thank you XXXX. 

Experian and XXXX has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.
Consumer complaint received 2019-06-20
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (IL)

On XX/XX/2023 at XXXX, text from Santander Bank verifying XXXX transfer of {$120.00}. I denied the transfer request. Received call from caller ID " Santander Bank ''. Man on the phone, who knew my name, said there was suspicious activity on my debit card with XXXX and suspicious {$950.00} purchase in XXXX, TX. Conversation stated he was putting a hold on my account and removing a newly added " transfer recipient ''. Asked for my username and last 4 digits of SSN for verification purposes. He stated he is filing a claim for {$950.00} charge. Gave me a claim 's number to refer back to for a follow up. Asked for the text message 6 digit code I received from bank. Another code was texted to me when I noticed it said " Santander bank will never ask for this code ''. I realized this was a fake call but at the same time I received a text for a {$950.00} charge under the same claim number he has previously given me. Appears on my statement as " external transfer to acct - # he previously gave me ''. I immediately hung up and called my bank 's fraud department. My bank handle the investigation on their end ( refunding my account and closing my bank account ).
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Two my initial complaints to CFPB received two misleading responds to obstruct justice. I am so angry that it is difficult for me to write. Paypal lies boldly and hope that they can be treated above the law and get away with their unfair practices. PayPal continue to keep my money imprisoned and do not allow family and friends option to move money from my account for free. They want 2,9 % to get from me. I never bought anything and never sold anything through PayPal. I just was sending money to family and friends and PayPal try to block MY MONEY. Isn't illegal financial abuse and crime to keep somebody's money for free on hold, blocked from the owner of the money? This message I sent them again and PayPal never answer my concerns. They act like career criminals. I demand sanctions against PayPal. Here is my message to them : I am sorry, I have no trust to PayPal anymore at all. I prefer to have conversation in writing and have on record what power abuse you practicing over my account. 

1. You refused to send money for free through family and friends option.

2. Now you refused to deposit money on my account through family and friends option for free..

3. You refused to send me PayPal debit cash card.

4. You gave me PayPal credit cash back card and after I used it once and pad right away the balance you did not like it and was blocking my attempts to use PayPal credit card anymore.

5. You submitted misleading statements to CFPB to obstruct justice and fair investigation. 

Your power abuse is outrageous and you demonstrate criminal behavior, because it is a crime to imprison somebody else 's money. I will demand for sanctions against PayPal for unfair practices. I am not going to thank you for imprisoning MY MONEY. I am supplying the copy of that message to CFPB.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XX/XX/2022 and XX/XX/2022. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written transunion and XXXX   several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). Transunion and XXXX has failed to provide me with proof of contract and has not removed the following accounts on my credit report.
Consumer complaint received 2020-02-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

PART 641DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES Consumer 's address ( 1 ) Requirement to furnish consumer 's address to a consumer reporting agency. A user must develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) from whom it received the notice of address discrepancy when the user : ( i ) Can form a reasonable belief that the consumer report relates to the consumer about whom the user requested the report ; ( ii ) Establishes a continuing relationship with the consumer; and ( iii ) Regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of address discrepancy relating to the consumer was obtained. 

( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; ( ii ) Reviewing its own records to verify the address of the consumer ; ( iii ) Verifying the address through third-party sources; or ( iv ) Using other reasonable means. 

( 3 ) Timing. The policies and procedures developed in accordance with paragraph ( d ) ( 1 ) of this section must provide that the user will furnish the consumer 's address that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) as part of the information it regularly furnishes for the reporting period in which it establishes a relationship with the consumer. 


The address of XXXX XXXX XXXX XXXX XXXX GA has never been my address nor am I associated with that address in any way.
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/XXXX ), Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2019-10-09
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. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 3 ) bureaus to remove the lates however, I have not been successful.