davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

NOTICE TO PRINCIPLE ( 2 ) " YOUR ARE BEING ASKED TO COMPLETE ARBITRATION '' " YOU ARE OFFICIALLY NOTICE OF A CIVIL SUIT '' Case Number XXXX ( XXXX  ) " United States District Court ''
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.
Consumer complaint received 2023-05-05
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)

I am in receipt of the re-investigation results conducted by Experian, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!
Consumer complaint received 2021-05-31
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. (CA)

I have attached the previous complaint with Experian where I disputed a bankruptcy and two accounts ( XXXX # XXXX and XXXX  # XXXX ) According to my previous complaint the results that Experian stated that would take place is that the bankruptcy would be deleted ( which is was XXXX and that the accounts ( XXXX  # XXXX and XXXX # XXXX ) would reflect paid and closed which is not true! 
Those two accounts ( XXXX # XXXX AND XXXX  # XXXX ) are showing incorrect paid date of XX/XX/2021. I did not pay either of those accounts. They really both showing multiple lates of 30, 60 and 90 days which is not what was stated would take place from their non monetary relief. Lastly, why was I punished by worse inaccurate reporting as oppose to close the accounts and not reflecting they were included in bankruptcy that they had to remove because they could not prove there inaccurate reporting of the bankruptcy. 
How can these accounts which are tied to a inaccurate bankruptcy being reported then deleted from my credit report be reporting included in a bankruptcy they deleted due to inaccurate reporting?
Consumer complaint received 2022-08-01
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. (NY)

In accordance with the fair credit reporting at XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the rights to privacy, 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

That will be violating my rights according to the fair credit reporting act.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (MO)

I was out of work for a month and needed enough to pay some bills. I got a loan in XX/XX/2022 of {$1800.00}. When I was selecting payoff time the only options were long term pay off. I choose the 39 payments which is twice a month at {$250.00} meaning Im paying {$500.00} a month. When I look on the website to see how much I owe, my payments are not making a dent! After further looking into the situation I realize that Im paying {$7000.00} plus what I owe which is absolutely insane!
Consumer complaint received 2023-08-18
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted from my credit report.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

Cardinal Financial Company has reported an account as delinquent for the period in which the account was enrolled in and authorized COVID-19 forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXXXXXX XXXX XXXX.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I spoke with 3 different associates at GM Financial, then spoke with a manager. They informed me that they have not been reporting to the credit bureau 's since XX/XX/2020, when Covid hit and they told me even today XX/XX/2020 when I spoke to the manager that they still are not reporting. I assured them that someone is because it shows up on, my report and delinquent past 30 days for both XXXX and XX/XX/2020 with 3 different credit bureau 's. 

I am in the process of trying to adjust my finances and this is affecting my score a lot. They told me that they could not call the credit bureau 's to fix the problem. 


Bottom line I need it to reflect on my credit report that I am not delinquent with GM Financial and am in  good standing. I have attached supporting documents as well.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXk XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX- money was stolen from our small business account. We notified Bank of America within minutes and a police report was filed. There is an electronic transaction that Bank of America has all the information about, so there is a party that has {$9300.00} that was taken as a THEFT. Bank of America claims it has zero responsibility, and we are unsure of how to prevent this sort of theft in the future. We don't know how this happened and how to avoid it, and believe Bank of America should have some kind of responsibility for this theft. This is a lot of money for a small business especially with shutting down for the pandemic afterwards, and we are looking for the bank to reinstate the money that was stolen from their banking system.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WALL STREET MORTGAGE BANKERS (NJ)

multiple accounts was open my credit score went down from XXXX to XXXX I called XXXX XXXX and I they mediately close the accounts they told me to contact you guys
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 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 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. ''
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thrift Investment Corp. (NJ)

Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report.

THRIFT INVESTMENT Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give any written instructions to furnish this account on my consumer report?!
Consumer complaint received 2023-05-05
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. (MD)

I have submitted disputes to Experian, XXXX, and XXXX for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX  XXXX XXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX XXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where Experian, XXXX, and XXXX have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, Experian, XXXX, and XXXX have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that Experian and XXXX are reporting a 30 day late payment but XXXX is reporting a 60 day late payment for the same account during the same timeframe, XXXX of 2021. It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) 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 I expect for the inaccurate late payment that's reporting on my credit report from XXXX  XXXX XXXX be removed immediately
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records. 
see attachments
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stenger & Stenger, P.C (GA)

Not familiar who this company is and shouldnt be contacted me about a inaccurate information. 

15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes State Regulations prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

( Pub. L. 90321, title VIII, 802, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 874. )