davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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. (NC)

I looked at my credit report and was shocked to find, my personal transactions were broadcasted on it as if that was legal. that is a violation, My transactions were listed on my report, thus hurting my ability to obtain my right to credit. I did not agree to this. 
I only have 1 address, all other addresses are not deliverable and should not be on my report. I have several inquiries that are unrecognizable and are not permitted. by way of 15 usc 1681 ss 604 ( 1 ) a-d No PERMISSIBLE PURPOSE. illegal and another violation per the FCRA. 
As a consumer, I have the right to privacy per the FCRA, which governs the CREDIT REPORTING AGENCY. The CRA has a duty to make sure that my credit report is fair and 100 % accurate at all times. per 15 usc 1681 ss 602 ( a ) ( 1 ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and respect for the consumers right to privacy '' My credit report contains many inaccuracies and outdated information, I attempted to resolve this with the CRA 's I was ignored. furthermore, I have never given the CRA 's written permission to furnish my consumer credit transactions with 3rd parties or anyone. 15 usc 1681 ss603 ( 2 ) ( iii ) they never gave me opportunity to state if that was ok to do so, per the FCRA. The CRA 's are expected to follow the law, they do not get to break the law at will. The banking system counts on the consumers in order to thrive. unfair reports will only impair the difficiency of the consumer, thus commerce can not thrive and the banking system will cease to exist. unless I give you written consent or you extend me the courtesy of knowing what will go on my report in advance per the FCRA. I want all of my accounts transactions from. utilization to inquiries that are all unknown and have no permissible purpose to be erased from my credit at once. I want my name to be Spelled correctly with no variations or alias. My address should only be one address not 2 or 3. that's violating my consumer rights under the fcra
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (CO)

I asked XXXX for a declaration of Debit. Showed proof that I was not the person who owned the debit. They then decided to give me a derogatory remark followed by sending the debit I contested back to the XXXX XXXX after I disputed it.
Consumer complaint received 2024-07-30
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. (NY)

I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

I've had a private student loan since XXXX I borrowed {$4000.00}. XXXX yrs later, I still owe {$1200.00}. 
Something is not right about that. I've contacted the company. They bought the loan from XXXX XXXX. The solution they gave me was to pay it off. I can't do that. I've paid more than triple the original amount borrowed. My loan is accruing XXXXXXXX XXXX a day. That just can't be correct.
Consumer complaint received 2024-07-30
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. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC (ID)

To the Consumer Financial Protection Bureau : I am filing a complaint against Westlake Portfolio Management XXXX XXXX XXXX regarding an alleged debt that I believe is invalid and potentially related to a scam. 

Key points of my complaint : 1. The debt is associated with a program that I now believe was fraudulent, a service from a company called XXXX XXXX, which a group of people are currently organizing a class action against. 
XXXX. I have previously disputed this debt, but Westlake Portfolio Management XXXX XXXX XXXX claims to have verified it without providing adequate documentation. 
XXXX. The company has not provided me with a copy of the original loan agreement or detailed account statements. 
XXXX. They have locked me out of my online account, preventing me from accessing loan details. 
XXXX. The company has been contacting me 5-6 times daily via phone and email, which may constitute harassment under the FDCPA. 
XXXX. The company has contacted me under XXXX names throughout this experience, including " Covered Care, '' " XXXX XXXX, '' and " Westlake Portfolio Management. '' This indicates a lack of transparency. 

I am requesting that the CFPB : XXXX. Investigate the validity of this debt associated with fraud and the practices of Westlake Portfolio Management XXXX XXXX XXXX. 
XXXX. Ensure that the company provides full documentation of the alleged debt. 
XXXX Review their debt collection practices for compliance with the FDCPA. 
XXXX. Assist in resolving this dispute and protecting my consumer rights. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-30
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. (GA)

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

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

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-30
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. (VA)

Dear Experian I am writing to bring to your attention certain inaccuracies that are on my credit report These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX acct XXXX Please remove the addresses I dont live there or never did XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX kindly XXXX an immediate investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law.

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.

Thank you in advance for your immediate attention to this matter. 

I have attached the proof of identification and address
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (SC)

This was American express response. 
We comply with laws and regulations We are committed to making sure all credit worthy customers have equal access to credit. 

That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. It is against our policy and our culture to make credit decisions or service an application on a prohibited basis. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. 
Please response to these Laws and Regulations since American Express follow 's all laws 15 USC 1691 ( c ) 15 USC 1692 ( k ) 15 USC 1642, 15 USC 1681 ( m ), 12 CFR 1002 I the consumer made an application in good faith but credit was not issued.

15 USC 1602 ( i ) mY SOCIAL SECURITY NUMBER WHICH ACCORDING TO 15 USC 1602 ( i ) is defined as a credit card was used and i received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) 15 USC 1681 ( n ) 15 USC 1681 ( O )
Consumer complaint received 2024-07-30
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

PLEASE BLOCK AND REMOVE I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Arivo Acceptance, LLC (KS)

I have disputed the info in regards to this car loan an the information about this car an me arivo acceptance is the original holder of loan. balance of XXXX The original balance of XXXX account # XXXX. I was not notified of car being sold or when or the amount car was sold for. As well as inaccurate information an incomplete information on my credit report a violation of 15USC 1681 ( b ) as well as 15USC 1681 ( a ) & ( b ) and 15 USC 1681i ( 5 ) ( a ) ( I ) at this point I BELEAVE they are doing this on purpose!

According to 15 USC1681e ( b ) whom ever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to maximum possible accuracy of the information about whom the report relates. Also under 15USC6801 AS WELL AS 15USC6802 ( b ) ( c ) I never gave permission to to give this information or release this information to anyone. No one has shown me where I did give my written permission. 
I want this removed off an an all credit reports
Consumer complaint received 2024-10-09
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: Collection Bureau of Fort Walton Beach, Inc (NC)

In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a. 

The specific information needs to be provided : : XXXX. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature. 
XXXX. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied. 
XXXX. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt. 

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-30
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. (AL)

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, Account name : XXXX XXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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 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 notity the furnisher of that that the information has been modified or deleted from the file of the consumer.

In accordance to 15 USC 1681s-2 they are suppose to 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 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

Sequium ( Account # XXXX ) is attempting to collect on behalf of XXXX XXXX. XXXX admitted the debt was in error and the equipment was returned and it was a system error improperly logging that return. I also spoke to XXXX and they verbally stated it was an error and nothing was owed to them. In an effort to preserve our XXXX XXXX and report, we paid XXXX directly {$XXXX}, despite their admission that there was an error. Sequium is still reporting a collection to both XXXX and XXXX. This is in clear violation of the Fair Credit Reporting Act. Our request is IMMEDIATE removal of Sequium from the reporting agencies.
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (OK)

CAC Financial Corp is stating I owe a medical bill and did not originally provide any information where the bill originated from when requested. A letter was sent for collections which also did not state who the debt originated from and requested payment. CAC Financial Corp proceeded to submit the issue to my credit report without any clarification to me. I disputed the claim with XXXX because the XXXX XXXX did not look like an office I visited. CAC came back and finally updated it to a clear office which I visited. I went through all my statements submitted on here and they have been in good standing and it shows I was on an automatic payment plan that was then paid in full. The medical office shows that I do not owe anything and I have all the statements from XXXX  added to prove.
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. (IL)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-24
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. (IL)

As of XXXX XXXX XX/XX/year> there has been many hard inquiries placed on my credit report. I didnt authorize these companies to pull my credit, nor did I apply for any loans with these companies. There is XXXX inquiry I do recognize and thats XXXX XXXX  thats my current bank, but as for the others in XXXX  in XXXX and XXXX those arent my responsibility I didnt apply to these companies nor did I give them permission to access my credit/ Credit report. We have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I didnt authorize any of these.