davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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: R & B Corporation of Virginia (VA)

n accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX Credit Control Corp XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  was reported since XX/XX/XXXX after sold XXXX XXXX XXXX ( Original Creditor ) XXXX account shows twist and should be scheduled for depiction after 7 years which is XX/XX/XXXX. They still didnt schedule it
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

SYNCHRONY BANK XXXX XXXX XXXX XXXX BEWARE! 

Back in XXXX, I purchased a new bed with a XXXX XXXX XXXX XXXX credit card from SYNCHRONY Bank. I made ABOVE and beyond the minimum payments, the total financed amount was {$6000.00} I recently looked at my statement and saw that a " promotional '' interest rate had expired which I was NOT made aware of. 

My balance as of XX/XX/XXXX was {$1800.00}. 

In XXXX - I was charged {$3000.00} interest, which brings me back to the beginning of the loan after 3 years. 

I was not made aware of this high-interest rate and feel extremely taken advantage of as a consumer. Customer Service said there was nothing they could do because I was over their " one month '' grace period to dispute the interest. 

This brings my new balance to {$4700.00} after 3 years and FULL ON-TIME PAYMENTS There should be NO REASON a credit card should charge triple the amount owed. 

Beware of this scam to hurt the middle class!
Consumer complaint received 2022-06-19
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: KeyBridge Medical Revenue Management (VA)

XXXX accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Bridge XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2024 I sent the below instruction to Experian at this " reply to '' email address : XXXX Quote In the event my personal information on file with Experian is lost , misused or altered I expect to be immediately notified by email. Apart from that single exception, I hereby opt out of receiving emails, push notifications or texts ( SMS ) from Experian. 
Unquote In spite of those very explicit instructions, Experian continues to send me unsolicited emails. 

I ask that the CFPB instruct Experian to honor my instructions which conform to the Experian privacy policy. 

Thank you.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX XXXX : XXXX XXXX Account # : XXXX Duplicated twice on credit report XXXX XXXX Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with Equifax and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Equifax : Equifax Acct : XXXX
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-16
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. (NC)

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to Transunion in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to Transunion acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

I was unable to pay the total monthly payments from XX/XX/2020 - XX/XX/2020 the agent assured me that if I made a partial payment that the car would not be repossessed which was made at the time or a few days after, however, the vehicle was removed from my parking spot, and was towed to an impound lot where I was informed that in order to get the car back I would have to make a payment of XXXX + which I could not provide at the time. and thus I was forced to surrender the vehicle.
Consumer complaint received 2022-03-05
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)

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 with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

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.

has violated my rights. Or list of inquiries 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 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (FL)

On XX/XX/2024 I applied for a loan for painting services. 
On XX/XX/2024 I tried to cancel the loan as it was still in processing mode. I also canceled the sale through XXXX XXXX XXXX that day. 
Both XXXX and Affirm said they couldn't help me. 
I disputed through Affirm on XXXX Affirm ruled for XXXX XX/XX/XXXX started new dispute with evidence company in breach of contract. 

AFFIRM has just been giving me canned answers and they don't bother to look at the entire file. But the bottom line is, Affirm is siding with the company that is in breach of contract, and expecting me to pay back the loan when they should be going after the company that gave me " no services. '' If they would have stopped processing when I asked, none of this would have ever happened. But they said they could not stop processing and we all know that's not true.
Consumer complaint received 2022-03-05
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. (NY)

They keep disputing the wrong account! I called to dispute the XXXX account and they removed my XXXX XXXX  credit card by mistake. I called them to fix this and they then dispute 3 of my XXXX accounts instead of the 1 I asked to be disputed! Today I got a notification saying the wrong XXXX account was removed!!! Im going to attach a picture of the account that was suppose to be disputed and removed! The XXXX account thats suppose to be removed has the date of XX/XX/2018!
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (NH)

Calls started on XX/XX/XXXX. I stated that I did not want to be contacted. This is a utility bill that was placed in my name by a family member in XX/XX/XXXX. I have stated multiple times that I can not pay it and I can not file charges against my family member. They left the property in XX/XX/XXXX but, they never cancelled services and the landlord did not change it until XX/XX/XXXX. I tried to dispute this with the original debtor and they refused to work with me and stated that I would just have to deal with it. This new debt collections company has begun calling me again and demanding payment. I asked the first gentleman to stop calling me and hung up. Ever since, I have received missed calls on both my work cell phone and my personal cell phone. I have answered and received dead noise or another person on the line. I have again repeated and asked them to stop contacting me. I have since emailed them with copies of the missed calls as well as my call records and asked them to stop contacting me. They have never sent me anything in the mail. They have never confirmed any debts and have been unable to provide me with any sort of break down of the charges. Only continue to tell me that I am responsible.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (MD)

this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and Experience, XXXX and XXXX XXXX is not reporting both cards
Consumer complaint received 2022-03-05
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (AZ)

I was talking with XXXX XXXX for many months, we were gon na get married, get a house together, the whole being together, she needed money to get home and with the promise to pay it back in two weeks I wired {$10000.00} to an account in name of XXXX XXXX, I learned I was romance scammed, because I'm now XXXX  and she won't gove me my back, it's been 6 months. I have reported to all agencies that I know to report and nobody has gotten back to me.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CT)

Dear CFPB, I am writing to file a formal complaint against SoFi Banking regarding the unjustified restriction of my account on XX/XX/year>. My account was restricted without any valid reason provided, and despite my inquiries, SoFi has not provided a timeframe for the investigation into this matter.

This lack of transparency and communication is unacceptable and has caused significant inconvenience and concern on my part. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) previously closed my claim because SoFi " responded, '' but their response contained the same misleading information and failed to address the issue satisfactorily.

I am requesting immediate resolution by allowing me to close my account with SoFi and facilitate the transfer of my funds out of the restricted account. It is imperative that the CFPB does not close this claim until SoFi Bank has closed my account and returned my funds. According to the law, a bank can not withhold my funds for over 30 days, and it has now been over a month. SoFi 's customer service continues to make excuses, claiming there is no available timeframe for the account closure.

I urge you to address this issue promptly as I can not conduct my business or access my funds due to this unjustified account restriction by SoFi Banking. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX reduces my credit score and failed to prove why. I have not applied fir any credit. I paid off a debt. My score should have increased instead of decreasing. Where do I report XXXX because it appears that the CFPB is useless. 

I have always been told that creditors and reporting agencys target XXXX I feel XXXX decreases my credit score in an effort to prevent me from having a good score when Portfolio Recovery falls off. 

It appears to me that this company is unfairly tampering with the credit scores of consumers with poor credit to make money. I personally think this is how this company makes money. 

Due to the fact that the CFPB takes no action against them and allows them to govern themselves and the outcome is the reason so many people are homeless age without transportation. 

Portfolio recovery us illegally coming after me fir a debt that has been discharged years ago. Portfolio recovery is not being honest about the open date.
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

I am XXXX XXXX the natural person. Im disputing this matter on my own behalf. Commonwealth Financial Systems Inc is reporting a collection for a medical bill on my consumer credit reports. I never did any business them. I do not know how they got my personal private information.
Consumer complaint received 2022-03-05
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. (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 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-19
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)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at XXXX XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice. 
15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately. 
Please see attached