davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

Transunion reporting information without my written consent, XXXX reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX  reporting collection inaccuracy and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXXXXXX XXXX XXXX  innacurayly reported XXXX XXXX XXXX  XXXX negative payments reported inaccuratly JXXXX XXXX XXXX XXXX reporting late payments inaccurate XXXX  Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I have multiple company credit cards that are managed by Citi card services, including retailers and gas company cards. Recently I have noticed that when you sign on to any credit card site with the Citi logo to make a payment, there is no " Payment Due Date '' shown on the main account summary page. There is a " Make a Payment '' option but that choice doesn't give you the date due either. The words " Payment Due Date '' does appear on the summary, but no date is ever given. You must search for the payment due date by clicking the " Payments '' history. The " payment due date '' was always displayed with the " make a payment '' option, and had an actual date given. This new lack of a " payment due date '' is misleading in that it makes it look as if your payment isn't due yet or has not yet been calculated. I have multiple examples of a payment being due within days and no notice that a payment is due. I don't know the reasons for this change, I have reached out to Citi and have only received automated response that doesn't address the issue. This change will also lead to customers unknowingly missing payment deadlines and potentially hurting their credit.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 Name : XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX  XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-03-30
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. (LA)

I paided the things on my credit report and I did a dispute for them and it shows that they are paired in full but they still want remove them off my credit report
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

After reviewing a copy of my credit report and I realize that as a consumer Portfolio Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
Consumer complaint received 2022-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (NY)

Exeter Finance claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
Consumer complaint received 2022-04-25
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 report act XXXX XXXX  Account number 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 a account without my written instructions.
Consumer complaint received 2021-07-02
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. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and XXXXXXXX XXXX XXXX along with XXXX plus days of no response.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NV)

In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point. 

When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since. 

I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this. 

I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2022 I noticed two unauthorized inquiries being reported to all three credit bureaus by Capital One Auto Finance dated XXXX and XXXX. I did not authorize any dealership to submit an application to Capital One nor did I myself submit an application to them. On the same day I mailed by certified mail a request that they investigate these inquiries and remove them as they were fraudulent. 

On XX/XX/XXXX I received two of the same response stating that they would need more information to investigate this matter. On XX/XX/2022 I responded with a letter including all the information they asked for. On XX/XX/XXXX I received the same letter ( dated XX/XX/2022 ) asking for more information. On XX/XX/XXXX I mailed by certified mail another letter including the information they requested. On XX/XX/XXXX I received two of the exact same letters from them requesting information before they could investigate this matter! 

I mailed all my responses with certified mail and have proof that they were received, however Capital One Auto Finance is seemingly refusing to investigate these inquiries. I have included copies of all my correspondence with them and the certified mail slips. I believe these responses were sent to me as a stall tactic to avoid dealing with this issue. I then escalated the issue further and filed an FTC complaint reporting these fraudulent inquiries. Capital One refuses to investigate and cease reporting fraudulent inquiries.
Consumer complaint received 2023-03-30
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)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-11-21
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. (TX)

This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I noticed that my American Express credit card is charging me 28.49 % APR. 

It is definitely my fault for not having paid attention to this sooner. I contacted the company on XX/XX/XXXX at about XXXX XXXX Pacific time. I spoke with customer service rep " XXXX '' ( based in XXXX ) who told me there was not a lower rate possible. I then spoke with supervisor " XXXX '' ( XXXX ) who told me the same thing. XXXX said the rate is based upon " credit rating, history, other balances and the like. '' ( the usual filler response. ) I asked if there was an appeal process ( as I have encountered with other financial institutions ) and XXXX said no. However, XXXX mentioned that my account would be " reviewed again '' in XXXX. I doubt seriously they will lower the interest rate. 

I have had a relationship with American Express since XXXX and have never defaulted or behaved poorly with my accounts. I have not always carried balances. I have a credit score of XXXX and yes I do have other balances with other banks as I am trying to start a business. But I have always handled my credit obligations beyond reproach. 

This rate is Usurious. It's like a loan shark. American Express should be ashamed of themselves. It is NO WONDER some people are never able to get out of debt!!
Consumer complaint received 2023-06-21
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (KS)

I am reporting this company, known as Chime, because there has been a fraudulent account opened in my name with these people, to which has negatively impacted my life and is completely fraudulent. I just saw on my credit reports that there was a fraudulent trade line from Chime/XXXX? With a balance owing to which I vehemently deny ever opening. I never even knew who these people were until I saw this negative trade line on my reports, as Ive never even done business with these people ever. Ive seen thousands of separate reviews of accounts being opened in peoples names, and not being able to close accounts, nor being able to contact anyone from their organization. And considering all my personal, identifying information, such as Social Security Cards, IDs, etc were all stolen back in XXXX and in XXXX, I know this is another fraudulent account I have to address. As per advice from my attorney, I am allowing this one and final attempt to rectify this situation, by closing this account with a balance of {$500.00} and deleting their trade line from all my credit reports ( XXXX, XXXX, & XXXX ) immediately. Or formal litigation will commence against Chime and all its subsidiaries. This is a clear sign of fraud and identity theft, and I expect Chime to view it as such as well, and remove their trade line.
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OH)

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, hasviolated 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.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate accurate.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OK)

They will not stop calling even though I have asked for written consent that they can have my account. They said we are able to have whatever they want on my credit report. I asked them to send everything on my reports and I verified my address. They wanted me to verify my SSN and more saying they cant just send things if I dont verify who I am. I verified everything for them but I refused my SSN. They said we will keep calling tell you tell us everything. I told them I guess I will not be paying my stuff cause I dont even think you have the right to have it as you are not the same company I had the contact with. They said you will pay no matter what. I asked them to stop calling me until they send me something in the mail. They keep calling from XXXX or XXXX I will block them but they just find another number to call from. Said they are from midland something and the other XXXX I think.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Tothis day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theXXXX XXXX XXXX and may have gotten into the hands of the wrong person ( XXXX ).
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC (NC)

Revco Solutions have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre sending illegal mail stating I owe a debt. How can I owe someone I dont know? How can pay something in a positive balance? I want the harassment to stop.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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.

has violated my rights. Or a 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.