davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (FL)

I am XXXX XXXX. I am submitting this complaint for myself. I obtained my Experian Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Experian any written consent to report or furnish my Bankruptcy public records. A Consumer has a right to privacy. 

I wrote Experian and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent experian a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a XXXX interest APR with Bank of America that expires XXXX. I paid the balance owed ( XXXX ) on the statement due XX/XX/XXXX. They have not provided my any other bills or statements showing any additional charges owed at this time. 

I called to confirm I met the APR terms and they told me I'd be charged in full for the previous amount paid plus new charges I have not even been billed on XX/XX/XXXX at 23 %. 

I have paid all statements due and have not received a bill for any other fees charged that they are saying are due to prevent fees. This is not an ethical practice. Not fair to the consumer to penalize them for fees they have not even been made aware of or sent a statement for. In addition to make me pay fees on monies I've already paid ... the XXXX if another XXXX is not paid by the XXXX.
Consumer complaint received 2020-07-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc. (TX)

Have been trying to dispute this account with credit bureaus for over a year. This account was opened over 10 years ago. I stopped paying the account after 1 year because it had issues and they repo it. They are still reporting this on the credit report after asking them to send proof of this account.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-07-17
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: CORELOGIC INC (NY)

Good afternoon, I received a notification from XXXX XXXX and XXXX  stating that I had a hard inquiry on my credit report. When I checked, the inquiry was from Credco. I have not requested any lines of credit or anything that requires a hard inquiry to be performed. I've read that this can be a sign of identity theft.
Consumer complaint received 2020-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

I was a victim of Identity Theft and Fraud. Because of this an auto loan was taken out in my name with my personal information. When i noticed the account on my credit report, I took the steps to address it including, filing a police report, filing a FTC Fraud Affidavit, contacting the credit reporting agencies, and contacting the creditor. I sent all this documentation to the credit reporting agencies and Santander Consumer. 

Quickly I discovered that the credit reporting agencies, will not do anything when it comes to identity theft. Even though I have disputed the account, explained to them that i was a victim of identity theft, sent them the police report, the fraud affidavit, they refuse to remove it from my credit report. This is really frustrating because I did extensive research and there are Federal Laws that are supposed to protect my rights as a consumer yet the credit reporting agencies completely ignore them and do not comply. 

I also sent all the information to Santander on XX/XX/2020 only to get a response for more information, the exact information I sent, so I sent it all again, my driver 's license, the police report, the fraud affidavit and their ID theft forms they wanted me to fill out on XX/XX/2020. Then a few weeks later I get the same exact letter again asking for the same information again! So, again I send everything they are asking for a THIRD TIME, my driver 's license, the police report, the fraud affidavit, and their ID Theft Victim report again on XX/XX/2020. Then on XX/XX/2020 I get the exact same letter again asking me to send all of the information again. It's clear they do not care either about Identity Theft or Fraud. 

I thought the laws would help me, protect me and my rights, that if I was a victim of Identity Theft and Fraud that the laws would force these companies to investigate and correct the inaccurate information remove this fraudulent account from my credit yet I find out that these companies simply don't care about me, my situation or complying with the Federal Law that is supposed to be protecting me. My last and only hope is that you will investigate and hold them accountable for their negligence and non-compliance of the Federal Law.
Consumer complaint received 2023-01-11
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. (NY)

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below.

15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Consumer complaint received 2020-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

A loan for {$1000.00} Agreed payback of $ XXXX the rate of {$130.00} for 10 consecutive weeks. 

I look on the website, and it says {$4300.00}. 

That's {$3300.00} of interest on a {$1000.00} payday loan. So far, I've made 5 payments of {$130.00} each -- all on time
Consumer complaint received 2020-11-26
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. (VA)

On XX/XX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the XXXX  data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.
Consumer complaint received 2020-07-16
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-16
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. (MI)

Have tried unsuccessfully to have my bankruptcy removed ; it has hindered my entire young adult years and I am unable to do conventional things like obtain a credit card and get a mortgage when I already own a house. I have filed multiple disputes with all bureaus and nothing happens with this bankruptcy.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I learned that Portfolio Recovery had inserted a negative tradeline in my credit file in XXXX. I contacted them in XXXX to fins out what it was for. Once they sent me a sheet with not much information I responded and ask for validation of the debt on XX/XX/20 to date they have not responded with any sort of proof and they ignore my requests for information about this debt yet they still have this reported on all of my credit files. Enclosed are the proofs.
Consumer complaint received 2020-07-16
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. (NC)

Experian is refusing to investigate my dispute properly, im simply explaining that XXXX at XXXX XXXX has not sold this debt and XXXX XXXX XXXX. 

*XXXX  at XXXX XXXX XXXX no longer in existence. 
*This can not be labeled as ( accurate ) if the company is not a real company. 
*Experian only validates one side of the complaint with out investigating any of my facts *I never received validation of ownership about this account that is a lie. 


i think it is pretty simple to investigate but they ( Experian ) refuses to due so every time i will be looking into legal action for discrimination against me after this request. Experian has not done a fair investigation on this matter. Experian is being bias in this situation by only choosing to listen to one side of the dispute.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Consumers need to be protected against the lack of transparency by Capitol One, XXXX XXXX XXXX, XXXX UT XXXX for the following : Unlike other major credit cards firms such as XXXX, XXXX, etc : Capitol One refuses to print on cardholder 's statements the expiration date of the promotion offer ( s ) that are in effect. Moreover, this expiration information can not be found on any online account. 

Their customer service supervisor makes no apologies for this lack of transparency and informs cardholders that expiration dates of accepted offer ( s ) was mailed in the initial " Welcome Package ''. 

This unfair policy by Capitol One is merely to keep the cardholder off-guard to the upcoming higher interest rates which is also unlisted. 

Capitol One must be forced to be more transparent to their cardholders.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

on the XX/XX/2020 i've applied for a XXXX  credit card offered by Synchrom bank which they approve me immediately. they send me a letter on XX/XX/2020 telling me that my credit score is XXXX, which is false, because of my credit history obtain from transunion witch i made a request for a copy of that report where it states that my credit is XXXX. this is my first esue my second problem is that tis bank fraudulent opened in my name an other account and registered in my XXXX  account as automatic billing witch the last 4 digits of that credit car is completely different from the one i receive from them. 

Please i need assistance in this illegal matter. 

Thank you Regards XXXX XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NJ)

Hello I have a XXXX XXXX on y credit. I never went to college or co signed. This company threatened to ruin my credit if I didn't pay and they did. I don't understand XXXX. Please help im a immigrant trying to survive in XXXX. I cant even speak XXXX well. I had to ask someone to help me with this because I don't know what to do please help
Consumer complaint received 2021-08-18
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. (CT)

This is actually the consumer XXXX XXXX, I am submitting THIS request because I recently looked at my credit report and noticed so many inaccurate information being reported. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. I feel the inaccurate information that is being reported in regards to my name on ( MY CONSUMER CREDIT PROFILE AND THIS IS> is adversely affecting my credit report and costing me thousands of dollars in interest every year. I am requesting an investigation into the inaccurate information on my credit report by writing a letter to Experian. The information below is inaccurate and needs to be deleted immediately. 

child support enforcement Account Info Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Child Support Balance on XX/XX/XXXX Loan Amount
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I tried reaching out to the creditors ( XXXX/XXXX & XXXX/XXXX ) in addition to the credit bureaus ( XXXX, XXXX, and XXXX ). To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}
Consumer complaint received 2020-07-16
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. (TX)

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} million without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (LA)

This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this 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 XXXXtransunion has me at a score around XXXX. 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 n 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.