davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

Name : XXXX XXXX XXXX Company : EXETER FINANCE Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount : {$6400.00} Account : XXXX XXXX Status : CHARGE OFF The company has violated the following : 15 USC 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


1. Lack of Proper Notification : As per the Uniform Commercial Code ( UCC ), Section 9-610, a creditor must provide a debtor with proper notice prior to repossessing a vehicle. I have not received any prior notice regarding the repossession, which raises doubts about the validity of this entry.

3. Violation of Reporting Guidelines : The repossession entry fails to comply with the reporting requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. Please provide documentation that demonstrates adherence to these guidelines.

Reference Laws : - 18 U.S.C. 1028 ( a ) : Aggravated Identity Theft under the Fair and Accurate Credit Transactions Act ( FACTA ) - F.D.C.P.A. : Fair Debt Collection Practices Act - Privacy Act of 1974 - Fair Debt Collection Practices Act ( FDCPA ) They have violated the FDCPA 1006.3a and its new rule by parking this alleged debt on my consumer reports.

In light of the above reasons, I kindly request that they promptly investigate this matter and take all of the necessary steps to remove the repossession entry from my credit report. It is my expectation that you will resolve this dispute within the timeframe as stipulated by the FCRA, generally 15-30 days.
Consumer complaint received 2023-08-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}
Consumer complaint received 2023-08-18
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I called Bank of America on XX/XX/XXXX once a credit report pulled from XXXX XXXX XXXX XXXX showed that a bank account was opened up in my name while I was XXXX XXXX XXXX XXXX. The account was opened up in XXXX. I was in XXXX from XXXX to XXXX
Consumer complaint received 2023-08-18
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. (WI)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-17
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: SECURITY FINANCE CORP (AK)

12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

You ( XXXX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is SECURITY FINANCE CORPORATION. Thank you!
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I have bought clothes from XXXXXXXX XXXX on XX/XX/2023 for XXXX dollars and I paid using PayPal for this transaction. I then returned all the items back to XXXXXXXX XXXXXXXX using XXXX and the TRACKING NUMBER IS XXXX and XXXX XXXX received the returns on XX/XX/2023. But until now I NEVER received my refund for the returns. I filed a case with PayPal case number XXXX until today XX/XX/2023 PayPal is refusing to refund me my money and PayPal is refusing to decide this case in my favor and refund me my money of XXXX dollars. I have proof that XXXXXXXX XXXX received the items back and they sent me a confirmation for that but NO REFUND YET from either PayPal or XXXXXXXX XXXX. I have RETURNED THE ITEMS BACK TO XXXX XXXX  so they should refund me my money and PayPal should refund me my money but until now PayPal is refusing to refund me my money. They are both bunch of thieves and they are stealing my money
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

Continuation of complaint : XXXX Company claimed a monetary relief amount of {$2800.00} was sent out - no monetary relief was received Company received returned funds from a merchant due to a dispute being filed- they never returned those funds. Furthermore the account that those funds wouldve been returned to was closed before the dispute was finalized. The account wasnt correlated with any other account therefore returned funds couldnt be used to offset any debt/negative amount owed to the bank - XXXX Company also claims to have mailed out another check for received funds from a processed dispute of {$160.00} - PNC DID NOT RETURN THOSE FUNDS NOR HAS A CHECK BEEN RECEIVED
Consumer complaint received 2023-08-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC (FL)

I received an email from my boss regarding wage garnishments, when i saw from whom I contacted them and asked from what company, the account was one I had disputed due to me being unemployed during XXXX. they insisted that i pay the XXXX immediately, money I do not have and that since I can not pay the amount they will move forward with wage garnishments. My employment is the only way i pay my bills and rent I can not afford to have wage garnishments when the account was disputed.
Consumer complaint received 2023-08-18
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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. (SC)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2023-09-19
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)

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION (MI)

I purchased this vehicle in XXXX of XXXX. I had good payment history up until XXXX of XXXX. The account was charged off officially in XXXX of XXXX. All collection efforts stopped due to XXXX. In XXXX of XXXX, I updated all my personal information through the credit bureaus, including my address and phone number. I then contacted the lienholder, Regional XXXX, in XXXX to inquire about how to pay off the entirety of my balance. I received no response or direction. My vehicle was repossessed by Regional Acceptance  on XX/XX/XXXX. I had to call them to figure out the next steps and to get my personal belongings. 
I called in XXXX, XXXX, and XXXX of XXXX to try to redeem the vehicle. Each time I called I was transferred around or hung up on. I called again in XXXX and asked to speak with managers and supervisors only. I was advised that the vehicle was going to be auctioned off. I told them that I wanted to still redeem the vehicle, as this is my right as the owner of the vehicle. I was still advising them that I wanted to pay off the entirety of the loan in exchange for my vehicle back. I never received any notice about the status of the vehicle. I called again in XXXX ; I was told that the vehicle was being put up for auction. I told the agent I spoke with that I would need something in writing to be able to still have a chance to redeem the vehicle. Yet again, I received no documentation. The vehicle was auctioned off in XXXX. 
I am complaining based on the fact that I never received proper notifications before or after the repossession pursuant to the FCRA laws on the matter. I was never given a fair opportunity to redeem the vehicle. The lienholder had my updated address to take possession of the vehicle yet would not update my address on file to mail the notices to my address in timely matter.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. XXXX filed for bankruptcy XXXX  XXXX paid the loan, have receipts from the trustee payments went out to fedloan servicing in XXXX PA. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made but they still show as not being paid in my account and my sons account? 

I have all the paperwork. I need assistance. Im now retired XXXX with minimum income coming in. 

Thank you XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/23 I contacted JPMorgan Chase auto which directed me to XXXX XXXX XXXX. I settled a charged off debt in the amount of {$4300.00}. My credit report needs to be updated correctly or this account removed all together immediately.
Consumer complaint received 2024-08-13
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. (CA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
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. (VA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance Owed : {$690.00} ; Medical XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$5300.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX amount {$4600.00} XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX amount {$850.00} XXXXXXXX XXXX  {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$890.00} Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I pay {$2600.00} per month on student loans. They just doubled my payment to {$5300.00} in error. There is a 4 hour wait for a return call and I have done this 3 times. Their email does not work. The online chat disconnects me each time. 

This treatment is illegal. Please assist.