davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (NY)

I received a letter from Velocity Investment LLC stating that I am being summoned to appear in court because I am being sued by this debt collector stated above, regarding an alleged debt that I owe. I have never previously been contacted by this company and I am not aware of what alleged debt this is, or in regards to. Apparently, Velocity Investment LLC purchased this loan from XXXX XXXX XXXX and I am disputing owing any and all alleged debt to your company. If you think I owe any debt to your company send me proof in writing only of this alleged debt under the Fair Debt Collection Practices ( FDCP ) and 15 USC 1692. I agree to pay any financial obligation which I might lawfully owe to Velocity Investment LLC on the condition that you provide me in written proof of this alleged debt to ensure full transparency and resolve this matter. 
I require the following : 1. Validation of the original note that is the actual accounting break down of the amount owed to Velocity Investment LLC.

2. The original contract binding both parties ( mine and Velocity Investment LLC ) in a letter by ''certified mailed ' so that there is an independent witness to it having been delivered.

3. The original contract with my wet signature because I did not sign a contract with this company. 
This alleged debt you bought was charge off so, I would like you to provide me with my 1099 C, so that I can file my taxes properly. And according to the Privacy Act of 1974, I did not give Velocity Investment LLC authorization nor permission for you to check my private credit report.
Consumer complaint received 2022-09-27
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day, Ive been working tirelessly for months to fix errors on my credit report, and its been incredibly draining. Having a strong credit profile matters a lot to me, yet these mistakes have seriously damaged my financial prospects and peace of mind. Despite all my efforts to get this resolved, the issues continue to be overlooked, adding even more stress to my personal life and affecting my credit standing.
Consumer complaint received 2022-09-16
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. (FL)

the accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have discovered that my credit report was accessed or furnished without my explicit authorization. This unauthorized action is a blatant infringement on my rights, and I will not tolerate the mishandling of my sensitive information. This serves as a formal and urgent demand for the immediate rectification of an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referencing 15 U.S.C. 1681b, which clearly dictates that a consumers credit report may only be furnished under specific, lawful circumstancesone of which is written consent from the consumer. Let me make this clear : I never provided your agency with any such consent to access, furnish, or distribute my personal credit information.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

I have an account with consumers portfolio, three months ago I called to tell them that I was having some hardship issues, I was off work because I was sick and my hour had been reduced. During the pandemic. I continued to make payments but I couldnt make the whole payment at once, three months has pass and I hear nothing from them, I kept sending text through their portal and no response, I always sent a messages letting them know how much I was paying and the date and when I would pay the difference. I got a email from them in stating that my car was going to be repossessed, I was puzzled because no one called or texted me, for months. I ask for help again and told they couldnt help me, I asked for a lower payment and was told no that they couldnt help me. 
I need help. I dont understand why the car dealership placed my car loan with a debt collector, when I traded my vehicle in for this one. I believe Im being taken advantage of my this company and the dealership.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Upon checking with the furnisher Chrysler Capital it appears there are several inaccuracies reporting on my credit reports between the bureaus. 

The inaccuracies are as follows : The date opened shows XX/XX/XXXX. However on 2 of the bureaus it is reporting XX/XX/XXXX ( I had not even inquired at this time ) The date last active do not match up as well The date of last payment shows XX/XX/XXXX on two bureaus and XX/XX/XXXX ( Which is correct? ) XXXX of XXXX XXXX bureaus are reporting 30 days late and one is reporting ok XX/XX/XXXX bureaus are reporting ok and one is reporting 30 days late XX/XX/XXXX XXXX bureaus report 30 days late one reports ok XXXX of XXXX 2 bureaus report 60 days late one reports 30 days late
Consumer complaint received 2022-09-21
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Consumer complaint received 2022-09-21
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: LEXISNEXIS (GA)

My identity was stolen me and my family of 7 will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

I have made several complaints regarding the unauthorized account in my in name by XXXX. It was removed from my credit on experian several years ago and reappeared in XXXX. I have been complaining and asking for proof. I submitted a police report. I have now contacted XXXX who told me they have no contract signed by me or any verifiable information. They still refuse to remove from my credit. Please help me as I have asked for your help several times. This is illegal to continue to put a fraud account on my credit without being able to verify.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was approved for a Chase Amazon XXXX Rewards Card. In the 5 years that I have had the card, I have used it legally and consistently ( the card is linked to my Amazon XXXX membership, which I use extensively ). Copies of the card statements show that there was never any problem with repayments or any aspect of the account. Any credit is currently paid off and I owe {$0.00}. My credit limit was increased by Chase Bank over the years ( because of my proper use and credit history ), and currently is {$13000.00}. [ I am attaching copy of my credit card statements ] On XX/XX/XXXX ( over four years after having been approved for the credit card ) I received a letter from Chase Bank ( written XX/XX/XXXX ) stating : " After careful consideration, we have decided to close your credit card account because of your association with a Chase credit card, deposit or investment account that was previously closed. '' ( and specified the last 4 digits of my Chase Amazon XXXX Rewards card ). I am not aware of any accounts that I have had at Chase, or why closing them would affect the standing of my credit card. I had a mortgage loan at Chase over several years, and it was fully paid off in XX/XX/XXXX. [ I am attaching copy of the letter ] I immediately called the customer service telephone number on the back of my card, and was told that the only way to obtain more information was to write a letter to the Chase Bank Executive Office at XXXX XXXX XXXX XXXX XXXX, OH XXXX. It was the weekend, so I waited until Monday to see if I could receive additional information through my local Chase Bank branch. 

I drafted a letter to the Chase Bank Executive Office and sent it. I have not received a response. [ I am attaching copy of my letter ] On Monday XX/XX/XXXX I went to the XXXX XXXX branch of Chase Bank and spoke with XXXX XXXX ( Private Client Banker ). He could not see any additional details or notes on his computer, so he asked for some time to contact other departments of Chase Bank. 

I returned to the branch on XX/XX/XXXX and XXXX XXXX had not been able to obtain any additional information. But he expressed surprise that my credit card would be closed, since my record looked perfect in all the time since I was approved for the credit card.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MN)

I have initiated several transfers from XXXX XXXX XXXX from my joint banking account with Ally Bank. This has been an ongoing situation since XXXX, and I keep getting the run around from both banks. I have called several times and completed all requested inquiries to try and receive the funds back to the joint account. I have worked with over a dozen representatives at Ally bank, finally working with a lady who had directed me to file this complaint to receive the funds back. The lady at XXXX XXXX said the ACH department is doing an investigation and is not getting a response from Ally bank. I was given the following unique transaction codes from XXXX at XXXX XXXX which I then relayed over to Ally Bank, who then, in turn, keeps telling me that this is a XXXX XXXX XXXX problem. They are the ones holding the fund for {$9500.00}.
Consumer complaint received 2022-09-19
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. (FL)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX