davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (CA)

Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. XXXX seeking XXXX. The inquiries are unauthorized and fraudulent. Please delete the items at once.
Consumer complaint received 2024-10-21
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. (PA)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2023-01-26
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
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. (GA)

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Pursuant to FCRA 15USC 1681a ( 2 ) a consumer report does not contain or include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The law states that it is illegal to report Transaction history. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. In your agreement with consumers you agreed to follow the law.

I demand that the following transaction history be removed immediately : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX LIST OF INACCURACIES FOUND ON XXXX CREDIT REPORT : payment history days late history
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (FL)

On XX/XX/XXXX, I logged into my bank and saw that my direct deposit from my employer was not present. I went to my XXXX account where my payroll is managed and saw that someone changed my banking information. I took a picture of the banking information and looked up the bank. ( XXXX XXXX XXXX XXXX XXXX The customer service rep confirmed that they received a direct deposit in my name in a MoneyLion bank acct. I contacted moneylion because I don't have an open account with them. After waiting on hold for over 30 minutes they confirmed that I had previously opened an account on XX/XX/XXXX but immediately closed it. I never received any monies from them at all and I never gave them authorization to change my banking information on my XXXX account. Their representative ( supervisor ) named XXXX stated that since my account was closed my deposit would be sent back to my employer and that they have NO idea how my banking information was changed, which is a lie! Not only did they change my banking information violating my privacy, but they also stopped the email that I would get when they made that change. Today is day 4 and I still have NOT received my paycheck.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES GREENVILLE, SC XXXX Reported : XXXX  Amount : {$2800.00} I do not know anything about this collection. I sent a letter to the company and got no response. I have disputed multiple times with XXXX and XXXX. It was never cleared off my credit report. The collection agency has never tried to contact me in any form ( telephone, email or mail ). Please help me. Thank you
Consumer complaint received 2022-07-13
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NJ)

I lost my job in XX/XX/XXXX due to XXXX and was unemployed until XX/XX/XXXX. During that time I was on unemployment which was far less than my normal income and struggling to pay bills. I kept in close contact with you guys every step of the way and got repossessed XXXX. Furthermore you refused to let me defer even XXXX payment despite you saying youd accommodate those impacted by XXXX. I was told by numerous employees as long as you pay even a little bit youll be fine. That turned out to be a lie as that didnt matter. I was also never informed or warned the first time you towed my car, and when I did call the person I spoke to was shocked as my account wasnt even XXXX  days past due and I had a pending/scheduled payment AND the towing company damaged my car and nobody even got back to me. The XXXX  and final time you repossessed me I once again wasnt informed, nor were the police. My car got towed in and sent to an auction in less than XXXX hours and I never EVER received any type of notice in the mail before or even after. I was told my account was okay as I had just made a payment below the regular amount but it was all I could afford at the time and your customer service people didnt ever tell me those payments didnt count, nor did they tell me when i made extra payments which I did they didnt apply either. I was in constant contact with you sometimes calling XXXX or XXXX forms a week and I was even commended for being in touch and making payments and nobody ever told me I was about to be towed. You guys destroyed my credit, I had a perfect auto loan record and made me pay more than was left on my loan and lied to me. And lastly my title has the wrong address on it despite you confirming itd be accurate.
Consumer complaint received 2022-10-02
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)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # 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 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

After a total loss on a new car I financed through Mazda Financial Services, I received a letter dated XX/XX/year>, noting that after receiving a payment from State Farm, I owe {$290.00} to close out the account, and that it was due within 30 days of the date of the notice ( i.e., on or around XX/XX/XXXX ). I went and logged in to the Mazda Financial Services website to make the payment, and have no options to make a payment because Mazda removed all of those options which had previously existed ( i.e. Make a Payment, AutoPay, etc. ). Therefore, I need to mail a check in, which seems unreasonable since I had set up autopay for my car payments. However, today ( XX/XX/XXXX ) I was alerted by my credit card company that on XX/XX/year>, my credit report was hit with a delinquent account report by Mazda Financial Services. This is in direct disregard of their mailed notice giving me 30 days to pay {$290.00}, is unreasonable, predatory, and inappropriate. I have never had a delinquent payment on any account for well over a decade, and am not even delinquent on this account as Mazda Financial Services did not bother sending me a notice of the final balance due until 3 days before they hit me with a delinquent report. Meanwhile the website has not been allowing me to make a payment, and until recently was still reflecting the full car loan balance without the insurance company payment applied. Thank you very much in advance for your assistance.
Consumer complaint received 2022-08-22
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my numerous efforts to inform you that I am a victim of identity theft and I write to dispute certain account in my file causing from the crime. The account I am disputing do not relate to any dealings attaining any ownership of properties, facilities or money that I have made or approved. Please block the reporting of any information in my credit file that leads to an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

On or about XX/XX/year> a fraudulent account was open in my name with XXXX  XXXX which I had no knowledge of nor did I authorize anyone to open said account. As a result of this LVNV FUNDING LLC has put a collection on my credit report.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (MS)

I have a Target XXXX and added my daughter as an additional. The card limit is/was {$7000.00}. My daughter rented a car from XXXX XXXX XXXX in XXXX XXXX, AR and the charge showed on XX/XX/2022 as {$170.00} from XXXX XXXX XXXX. The Target XXXX reached it's limit at that time. While my daughter kept the car beyond the weekend of rental, XXXX XXXX XXXX never charged any interval amounts to my card and according to her call log never reached out to her, while the car was still in her possession. There was nothing showing from XXXX XXXX XXXX until, the car was returned XX/XX/2022, my statement showed someone at Target, instead of declining, paid the charge of {$13000.00} to XXXX XXXX XXXX, making my card over {$20000.00}. XXXX XXXX XXXX did not and will not send me an itemized bill of the charges and I asked Target and it was stated they didn't have one and I would have to go back to XXXX XXXX XXXX for a receipt. Never received one. As I stated my card was at its limit of {$7000.00} at that time. I did dispute this charge and Target gave me no resolution and didn't agree with me that negligence had been done from the employee of their company because the amount should have been declined. Target did not agree with me and stated to me its a valid charge because the charge was authorized, I didn't agree as I have never had that to happen to me before. When I have always reached my limit on a card, any charges over were declined. I need help with this situation as I'm an older woman, XXXX, and worked for the federal government all my working life until I retired. Feel free to contact me. Thank you in advance.
Consumer complaint received 2022-10-02
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account 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 crime which antedates the report by more than 7 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 2022-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX says the the cut off time for payment is XXXX. Every other store card or credit card, the end of the day is considered midnight. I do not understand that? Last time I was flying in, no internet and they said they can not remove the fees. The end of the day is midnight, so late fees should not be charge if the payment is made at XXXX on the same date. It really crazy!! 

Thanks, XXXX XXXX Any payments submitted after XXXXXXXX XXXX. XXXX on your due date will be applied to your account the following day, incurring a late fee. 
We have credited the late fee of {$41.00} to your account as a one-time courtesy. You can expect to see the credit applied to your account in XXXX business days. Please make sure that we receive your full minimum payment by your scheduled due date to avoid any further late fees.
Consumer complaint received 2022-07-11
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. (VA)

XXXX ; EQUIFAX ; XXXX ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Although displaying nearly identical information, my Experian XXXX  score is more than XXXX points less than XXXX  scores from XXXX and XXXX. The only differences are 1 month in average age of accounts and XXXX inquiries. Those minor differences should not create such a huge difference. There is something wrong with how Experian is calculating XXXX  scores.