davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

EQUIFAX WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EQUIFAX IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EQUIFAX, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions has been harassing me for a while now. I have asked these XXXX XXXX to stop calling my phone. They have violated my rights as a consumer. At this point I have the right to file a lawsuit and I will be filing a lawsuit against Radius Global Soultions. I dont owe them any money never did business with them at all. This company is a junk debt buying business that needs to be stopped on their tracks. I never one have anyone permission to share my private information with Radius Global Solutions. If anything appears on my credit report will only add to my lawsuit. I do not owe any debts. Please stop harassing me
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I went to XXXX XXXX XXXX XXXX, in Florida when online distance learning was brand new. I recently found out that the school is closed, as of 2017. Navient is charging an absurd amount of interest rate on top of still charging me the fee that the school charged when they were open. 

It's to my understanding that the loan, both of the loans from XXXX XXXX XXXX, can be XXXX if the school is closed. I've uploaded documentation stating that the article shows the school is closed, it's a legitimate article and how much Navient is charging as of to date. These two loans need to be XXXX or I will seek legal arbitration. They are already charging me an asininely crazy interest rate, which I know is set by congress. It's hard when you're pay check to pay check, then no one tells you that your school closed. That's unethical and immoral. And yet to still charge fee 's for that loan. Navient should not be allowing to charge consumers, on a loan where a school is closed. Thanks XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (WA)

This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with XXXX and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.
Consumer complaint received 2021-10-08
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. (OH)

I've asked TransUnion to remove the hard inquires below from my credit report. They are not mine and I do not know why they are on my credit report Creditor : Date : ____ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

All debts are prepared for XXXX : TITLE 18 ( S ) 8 : TITLE 31-3123, Title 12-411 they are commiting fraudulent behavior I don't know these people they are commiting fraudulent Acts
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

Hello, I filed a transaction dispute for the transaction of {$45.00} XXXX XXXX XX/XX/2022. Discover first resolved the transaction in my favor but later reopened the dispute and resolved it in the merchant 's favor. The transaction was unauthorized because I made a valid transaction with the merchant on the same day for {$64.00} but the waitress charged my card for a further {$45.00} without my knowledge. I did not sign a receipt for {$45.00} and if they have evidence of this I would ask them to show it. When I called, the agent advised me to submit proof of the {$64.00} purchase, but why would that even be relevant if I'm not disputing that transaction? It makes no sense.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

This appears to be a case of fraud. My brother XXXX purchased the gift card to reimburse me for some tickets that I purchased for him. Per the receipt, he purchased the card at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) in XXXX, UT. XXXX 's is part of the XXXX family of stores. 

Card purchased on XX/XX/2023. I received the card from my brother on XX/XX/2023 and attempted to activate the card on XX/XX/2023 at www.prepaidgiftbalance.com. The original amount on the gift card was {$120.00}. Apparently, the card had already been activated, because I could not register my information online. Called the number on the back of card : XXXX, entered the 16-digit card number ( XXXX gift card ) and then security number. The automated response offered an option to hear the current balance. Balance was {$28.00}. Could not get a live person on the line. 

Called the number again this morning, got a rep, gave them the card Information and my name, only to be told that the name on record did not match my name. Clearly a fraudster. Pretty sure that I will not be able to recover anything, but wanted to report this. 

Store location is : XXXX 's, XXXX XXXX XXXX, XXXX, UT. XXXX. I work in the banking regulatory arena, so I know that it helps to report these instances to protect the next unwitting consumer/customer. 

XXXX XXXX, XXXX XXXX, FDIC
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER XXXX  ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX  Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX BANK XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRSTBANK PUERTO RICO (PR)

This is in reference to a XXXX credit card i have from First Bank. 
Various charges were done to my card during XX/XX/XXXX in the amount of {$1100.00} and XX/XX/XXXX in the amount of {$2300.00} plus finance charges, international transactions charges and XXXX XXXX, XXXX currency. I submitted a claim to the bank via telephone on XX/XX/XXXX on this issue. I had not reported the issue sooner to the bank because just when these charges were done, I stopped receiving my credit card statements via regular mail. I visited the bank on various occasions to report the issue with my statements personally, nevertheless I continued making my payments straight with the bank teller. It wasn't until XX/XX/XXXX when I finally started receiving my credit card statements and notice the charges done. On XX/XX/XXXX I submitted my claim. Since then, I have called to follow up on my claim on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I talked to XXXX different people this day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I have not received a resolution on this matter. I must mention that on XX/XX/XXXX I received a letter from the bank stating that the charges that I claim were not posted to my account. This letter must have been another mistake done by the bank because the charges were done to my account without my authorization and copies of the statements proves it. I can provide all the information that your agency requests on this issue.
Consumer complaint received 2024-01-22
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. (WI)

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

This company continues to call me everyday and leave text messages stating that I owe a debt to them. Ive gotten several call daily and several text messages daily. Ive blocked there number and they still continue to call me from the same number and several others
Consumer complaint received 2021-07-01
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. (GA)

Experian has decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after Experian recently completed a dispute investigation I filed a months ago. The account in question is XXXX XXXX for an auto loan. Experian credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that Experian can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

Experian will not let me dispute this error because they just updated the information incorrectly.
Consumer complaint received 2022-11-21
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: United PanAm Financial Corp. (OH)

On XX/XX/2022 United Auto Credit Co ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX was another company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I was notice bye a letter in the mail that my personal information was stolen from a job I use to work after doing they investigation so after I contact to credited repair to found out what my information was used on after reviewing I found that a credit card two card with same company was open up and also a bank account then my credit was ran multiple times
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

Theft call my credit card like wells XXXX, Best BuyXXXX XXXX XXXX requests new and used it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BestBuy 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 theft call XXXX XXXX  unlock and used it again XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Pending XXXX XXXX XXXX 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX. 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX {$480.00} XX/XX/XXXX Pending XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (AR)

I have a boat loan with Yamaha financial services. I have an automatic payment on this load and have delivered the loan payment on time ( XX/XX/XXXX of every month ). The loan has been serviced correctly for 15 months. I received a letter on XX/XX/XXXX state my bill was passed due. I contacted the company and they said that they processed my XX/XX/XXXX and XX/XX/XXXX and I owe {$100.00} in late fees. 

I spoke with XXXX XXXX he would not give me his employee number and refused to let me speak to a supervisor stating he was in a meeting. 

He said there is no one at the company capable of removing the late fee.
Consumer complaint received 2024-01-22
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (MO)

My vehicle was repo'ed by exeter finance llc. i sent notices and demanded the return of the vehicle. 
they are stealing what belongs to me. As a Consumer i entered into a credit transaction were XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX. They failed to tell me full disclosure of the contract and failed to let me know my rights as a consumer. We were told we were approved for financing but had to put down {$1800.00} under 15 usc 1605 no down payment is required under a consumer credit transaction. So we had to turn over {$1800.00} ( Highlighted in a picture ). Then we were told we can't get our keys until we buy our own insurance. But federal law says if there is a Finance Charge everything should be covered including insurance. Now exeter finance is the institution that stole my vehicle. having my XXXX XXXXXXXX XXXX repo 'd when they should have applied the finance amount to cover the XXXX. They have no rights to my vehicle and i told them this. 
I've sent 2 rounds of notices to them that i will upload. Both notices have federal laws in them demanding my property back. I want them to return my XXXX and cover the tow lot fees. Or they will be liable for the finance amount times 2 according to federal law for the violations on the contract. 
Financed amount is {$20000.00} so doubled is {$41000.00}
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Closed a XXXX XXXX account that had a credit balance of {$150.00}. My overpayment ( refund ) was returned in the form of a XXXX  debit card that expires XX/XX/2023. The paperwork accompanying the card states it is a prepaid XXXX managed by XXXX XXXX XXXX and that it is issued by Fifth Third Bank, NA. 

Complaint : The aforementioned Mastercard can not be activated for use rendering it if no value as evidenced by : 1 ) Call to activate number- The decal affixed to the face of the card states you must call ( XXXX ) to activate the card for use and to obtain a PIN code. The XXXX number disconnects immediately regardless of time of day or phone from which its called. 2 ) The call in support number ( XXXX ) also doesnt work similar to # 1. 3 ) A means of managing the card via a website is also listed as an option : ( XXXXXXXX ). The site requests the card number, the CVV #, and the zip code associated with the account. Accurate entry of the information yields a not recognized response.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-14
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. (TX)

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, Experian, and XXXX. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me one amount, and then after reviewing the paperwork the company is charging almost 3 x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX a.m. or after XXXX p.m. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.