davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: General Motors Financial Company, Inc. (IL)

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: MECHANICS BANK (NV)

This complaint is a continuation of the complaint I submitted beginning with XXXX XXXX XXXXXXXX. I had fraud on my checking account and what appeared to have happened is that these fraudsters call and make fraudulent dispute claims on legitimate charges of which the bank credits your account back and they attempt to scam the funds. XXXX XXXX XXXXXXXX did freeze my account but processed the claims until I was informed of this and said I never made these disputes. I still can't believe these disputes were done with no confirmation from me. Never the less, last Monday morning XX/XX/XXXX the son went out to use my car and lo and behold my car is gone. I will never forget his words, Ma where's your car? I was going to call the police thinking my car was stolen but something told me to me to call my auto finance bank. They informed me that I had a payment returned which was for XXXX payments and I had a payment that was 20 days past due now making it 93 days past due of which they repossessed it in the middle of the night Sunday. No word, no forewarning. I knew I was not past dues 93 days. I spoke to XXXX XXXX XXXXXXXX and it turned out XXXX of the fraudulent dispute payments was the payment to the auto bank. I attempted to explain this to the bank and at first I was informed I needed to pay the entire balance off to get the car. And today I was informed that the auto finance bank never returned my payment back to XXXX XXXX XXXXXXXX. They still have my payments. And these payments were made in XXXX and cleared the bank. I've been calling the auto finance bank and have been shuffled from the department that deals with the car being repossessed who referred me to the collections department who I was told today will not speak to me because the car is not in my possession. Please help, This has been an ongoing nightmare. Thankfully I was on vacation last week and really didn't need the car but this week I am back to work and spending over {$40.00} a day in XXXX rides. I need help. They repossessed my car and should not have.
Consumer complaint received 2024-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have been sending in checks every month. No return. Just recently got a letter showing inovice showing nothing taken off. Sent check paying all fees on statment by certified letter. Got check back requiring certified funds. Sent complaint letter with certified checks attached to old that was sent certified mail. This imcluded current month as well now. Declined wanting lawyer fees following first check i sent certified. XXXX hr time zone and i cant get XXXX on phone. Reps text her as well. Site i get errors opening statments and cant email. I habe pictires and recodings with errors. Trying to make every effort to figure out why i cant view online and where everything is going and why i cant pay when i can prove funds have been there.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MA)

This debt was removed with the database at XXXX when I called and made a new account. Which needs to be removed from the collection agencie as well. I have a whole new account with XXXX due this being handled and deleted already. This debt is not owed anymore. You cant open a new account if you owe a debt.
Consumer complaint received 2024-09-25
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: Debt Recovery Solutions, LLC (TX)

I am filing a formal complaint against Debt Recovery Solutions for attempting to collect an alleged debt that the original creditor has already confirmed is not owed. Despite this confirmation, DRS has continued to pursue collection efforts, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, DRS has failed to provide a valid license to collect debts in the state of Texas. After conducting a search with the Texas Comptroller, I have found that Debt Recovery Solutions is not registered to operate within the state. Moreover, their business transactions in Texas have been forfeited, indicating that they are engaging in illegal business practices. 

Attached to this complaint are supporting documents, including an invoice for damages, proof that DRS is not licensed in TX, and a copy of the account in dispute.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD XXXX .... & JPMCB CARD XXXX ....
Consumer complaint received 2024-08-18
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. (SC)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (GA)

XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XX/XX/year> DRS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Fraudulent Collection - Account Amount {$1300.00} Dear DRS, I am writing to formally dispute a collection effort related to an account that I believe to be fraudulent. According to my records, I have no obligation to pay the amount of {$1300.00} that has been claimed by your company. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide me with verification of this debt, including documentation that proves the validity of the account and its rightful ownership. I believe this collection is erroneous and may be affecting my credit report.

Please provide the following information : 1. Proof of the debt, including the original account number and the original creditors name.

2. A detailed statement of the charges leading to the claimed amount.

3. Any relevant documentation that demonstrates my responsibility for this debt. 
Additionally, I request that you cease all collection efforts until this matter is resolved. 
I appreciate your prompt attention to this issue. Please respond to me in writing at the address provided above within 30 days. 
Sincerely,
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

XX/XX/year> requested cashiers check. XX/XX/year> confirmation of cashiers check and sent to receipient via XXXX XXXX. XX/XX/year> Received email from fraud protection to call them. Spoke with fraud protection, verified all of the information and then was informed I was too late because a stop payment was put on the check and I should inform the receipient to not attempt to cash the check and to destroy it. The funds would be replaced in 3 business days. XX/XX/year> Called to find out the status of replacing the funds and was told it should be by XX/XX/year>. She asked me about the physical check and I informed her it had been destroyed as requested. XX/XX/year> Received email requesting an an affidavit be notorized and returned to them before my funds would be retstored. Called to find out what was going on as I had followed all of the instructions and was told this is what i have to do to get my funds back and it will take an additional 5-7 Business days after receipt of the affidavit, which means they will have had my money for over two weeks
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to address an issue with my account, where an old address and incorrect names are being reported. I no longer reside at the listed address, and the names associated with my account do not belong to me.The credit reporting agencies are violating my rights and failing to comply with FCRA laws by inaccurately reporting incorrect names and addresses on my credit report. 
Here are the following errors I found as per the FCRA : XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 




XXXX XXXX This is not the correct spelling of my name. 






XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my mom 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is my father 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my sister 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


You are still reporting an old address that I no longer reside at. I attracted my Social Security card, a recent utility bill, and an updated copy of my drivers license as proof of my current address. I kindly request that you update my account with this accurate information to ensure my credit report reflects where I actually live XXXX XXXX XXXX XXXX, NY XXXX and my name XXXX XXXX XXXX is not the correct spelling of my name.
Consumer complaint received 2024-09-24
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. (TX)

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 15USC 1681. 
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 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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
Consumer complaint received 2024-09-24
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. (OH)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injuries to my credit score. 

XXXX XXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

I cancelled my membership with XXXX XXXX XXXX XXXX in XXXX  after discovering months of fraudulent activity related to my account at a location in XXXX  ( I lived in XXXX  at the time ). I had been a member for over a year at the time of cancellation and should have been able to cancel without issue. 

I spoke with XXXX XXXX who identified herself as the Manager via Phone and email and she confirmed that our memberships were cancelled. 

XXXX then sold this debt to a collections agency called Aldous and Associates who then reported this information to a credit reporting agency.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

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 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CA)

I had a monthly membership with XXXX XXXX in XXXX XXXX. I canceled my membership with 30 days notice on XX/XX/2024. They replied confirming the cancellation, and said theyd charge me a full extra month on XX/XX/XXXX, rather than a prorated amount for one week of membership. When I replied inquiring about this, they claimed that no proration would happen and a full month would be charged. I looked at the contract that i signed and the only statements about cancellation on the contract said that the last month would be prorated. I asked them about this and they claimed that proration doesnt apply to month-to-month contracts. I asked where on the contract it said this and they showed me nothing. i read the contract and it said nothing about this. They sent me a screenshot from a COMPETITOR gym contract showing the policy, but not their own! It is NOT in my contract. I would be happy to pay the prorated amount but they refused and stopped responding to my emails. They then repeatedly attempted to charge my card the extra charge, so I blocked them as fraud with my bank. Now, Aldous and Associates is calling me repeatedly for the baseless debt and saying they will send a report to the credit bureau! Over a charge that is not even under contract!!! This is unlawful.
Consumer complaint received 2024-09-28
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. (NY)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

BANK XXXX XXXX Account number XXXX {$10000.00} in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.