davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per XXXX XXXX XXXX this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (AZ)

CKS PRIME INVESTMENTS LLC Account : for {$670.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CKS PRIME INVESTMENTS LLC and do not have a contract with CKS PRIME INVESTMENTS LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CKS PRIME INVESTMENTS LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information XXXX have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Army and Air Force Exchange Service (VA)

I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.
Consumer complaint received 2023-05-01
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. (IN)

Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy. 15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Consumer complaint received 2016-02-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC (TN)

On or about XX/XX/2023 I received a notificaton from XXXX XXXX that a company called ARS  XXXX XXXX XXXX XXXXXXXX Tennessee XXXXXXXX had added a debt to my XXXX Credit Report in the amount of {$8300.00}. I immediately disputed this debt with the credit bureaus as I had no knowledge what it was for or about. 

XXXX credit reporting agency still added this debt to my account with no opportunity to dispute, resolve or even be notified of what the debt was, in researching i found the collect rent debt, I reached out to the previous rental company XXXX XXXX XXXX Tennessee for verification or clarity and received no reply. 

I sent a letter to ARS company as well requesting information on what this debt is and what for. No response to either letter I have sent twice Since XX/XX/2023. 

I have to date not received any communication about the debt, no validation, no requested contract between the company and myself. No form of verification or explanation of the debt whatsoever. No responses to letters to validate and verify or delete have been honored by ARS  Company ( Absolute Recovery Services ) or XXXX XXXX has been received by me or sent to me. 

The Consumer Credit Bureau XXXX being made aware of this refuses to remove the debt as well. XXXX has responded and advised they show no record of the debt. XXXX has yet to respond to my request. I would like this debt removed from my Consumer Credit Report as it is false and has already caused me the loss of a mortgage loan. 

This is not fair as a consumer for a debt collector to just add derogatory unfounded items to my report causing a detrimental blemish on my history. 

I want this removed or validated and a printout of charges is not a validation before that is sent i need a legal and binding agreement and proof of this debt.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (AZ)

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

CREDENCE RESOURCE MANAGE Account : for {$1300.00}, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CREDENCE RESOURCE MANAGE and do not have a contract with CREDENCE RESOURCE MANAGE They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CREDENCE RESOURCE MANAGE continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I received a notice to pay a collection from Jefferson Capital Systems. I responded to the letter in a timely manner and was sent by certified mail responding to the validation of the debt as not mine, I believe this was done through identity theft. After many months of trying to get information I have not received any correspondence from Jefferson Capital Systems about the debt or any proof that it was opened in my name with my SSN. I never had a contract with Jefferson Capital Systems or XXXX XXXX XXXX as they claim in their notice. I would like an investigation and feel that if I am not assisted with their company I have a right to take them to court for false statements and damages to my credit report.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TX)

Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (NC)

I am having a house built by XXXX XXXX and using their preferred in-house lender NVR Mortgage to be able to take advantage of the closing cost credit they are offering of {$10000.00}. This company has done nothing but shady stuff the entire mortgage process, such as telling me they'd beat or match an offer from another company and then I literally had to work my way up the ladder to managers to get them to beat that offer. Now the latest shady thing, probably unethical and predatory thing they've done is for the past 7 months, the property taxes on all my loan estimates have been {$180.00}. 1 week before closing they issue a new loan estimate with property taxes of {$290.00}. That is a 61.1 % increase in property taxes. When I reached out to my loan officer, XXXX XXXX XXXX, he advised that the county increased their taxes. I said OK, I will contact the county and see if they did. I contact the XXXX XXXX tax collector 's office and they advised me of the opposite. They had lowered taxes from XXXX to .XXXX, and the city tax for XXXX of XXXX had not changed recently at all. When I spoke to XXXX about this last Thursday, he said that their attorneys provide them with this tax information and that they were using that information. But when you do the math out ( ( XXXX [ original tax amount ] x 12 [ months ] ) XXXX [ price of the home ] ) x 100 [ to get the percentage or mill rate = XXXX. That mill rate is very close to the previous mill rate of the COUNTY alone which was XXXX in XXXX. This is very deceptive of them to be doing when I have fought like XXXX  to get my payment down to where it was and then a week before closing they issue new loan estimates with a payment now {$110.00} more than it was. This makes no sense to me. The tax rates have been the same since XXXX, the home building process started in XXXX of XXXX. A lender should not be able to do this. This is deceptive lending and unethical at the least. They've stated that, on the loan estimates it says this amount can change, which yes it can, and I understand that. However, I don't think when that text was put there that they meant it can go up by 61 %. Furthermore, they now want me to be paying the property taxes of {$290.00} a month for the rest of the year even after I've CONFIRMED with XXXX from the XXXX XXXX tax assessors office that the remaining taxes for this year are set at {$730.00} and that they will reassess the property either in XXXX of this year of XXXX of XXXX. Once the property is reassessed my taxes will then go up. In the meantime though, the seller/builder is trying to force me to pay an amount that hasn't even been decided yet, because a new assessment has not even been done yet. If the house is reassessed in XXXX, the taxes for XXXX through XXXX will be due in XXXX. Which if I'm making monthly payments to my escrow account, then common logic would dictate that there is enough in the account for the taxes that are due in XXXX
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XX/XX/2023 I contacted Capital One credit card customer service and requested to have my credit report updated as a courtesy due to late payment reported. I advised them I was out of the country due to a death in the family and was unable to make my payment, they asked that I mail a letter to them explaining the same and it would be removed but to avail. I then disputed this via credit bureaus and no help. At this point I want to validate the credit card account in question.

Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-01
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. (IA)

XXXX XXXX  and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!