davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-17
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I successfully applied for a credit card at the Bank of America in XX/XX/XXXX. At that time I was a non-resident alien and didn't have an SSN. Later I got my SSN. I reported my SSN to Bank of America in XX/XX/XXXX. 

After that, the Bank of America closed my credit card without any notification. I noticed that I can no longer use my credit card, so I made a phone call to the customer service at the Bank of America. The customer service operator told me that I should wait for a letter that requested additional information. But I never received the letter. 

Since then, I contacted the Bank of America multiple times, yet no one told me what I can do, or should do, or whether they can re-send the letter. In XXXX, my credit card was closed, which also resulted in a huge drop in my credit score. In my later conversations with Bank of America, they do not acknowledge any responsibility nor do they provide any feasible solutions, except convincing me to submit new applications that were denied again and again because of multiple reasons including that identity can not be verified, which is due to that I did not reply " the letter ''.
Consumer complaint received 2021-11-03
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: Upstart Holdings, Inc. (NC)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2024-10-17
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
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. (GA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : 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 2021-11-02
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LendingPoint Holdings LLC (TX)

On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent LendingPoint a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have not received any communication by mail providing any validation information for this alleged debt. On XX/XX/2021 LendingPoint withdrew {$620.00} violating 15 U.S. Code 1692g and 15 U.S. Code 1692c. On XX/XX/2021 LendingPoint contacted me again via mail with a letter Dated XX/XX/2021 violating 15 U.S. Code 1692c, 15 U.S. Code 1692d and 15 U.S. Code 1692b - Acquisition of location information. LendingPoint is harassing, using profane and obscene language toward a federally protected consumer. LendingPoint operates as if they are above the law and continue to show this with there continuous violations of the law. If LendingPoint does have a promissory note it is a negotiable instrument and according to the law 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, the alleged debt is paid in full.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 7. XXXX XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (TN)

My checking had no fees for payments to oversees merchants, but after making international payment and incurring {$58.00} fee, I found out about updates to the fee schedule on my Visa Debit Card. Upon complaint to the branch manager XXXX XXXX, I am told that the new update was allegedly disclosed to me last year. I found no such information using means of communication available to me, including email, postal and mobile banking application.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

On XX/XX/XXXX I placed an order for XXXX on Coinbase XXXX. The amount was for XXXX. There was a glitch that caused my money to be placed on " Hold '' within their system on an " order ''. Money is typically reserved on hold so you can't inadvertenly trade more than you have. The only problem is this money was placed on hold and I had no active limit order which I could see. This means I couldn't cancel it. I couldn't see if it executed. I couldn't see if it's stuck. Now, the problem on top of this is that the money is still on hold within their system and I can't access it. There was an outage previous to my order placement in which a number of people have reported a lot of different issues including the one i have now. I opened a ticket that night and another the next morning as you don't get a ticket number until they first process your ticket. 

The two tickets are : XXXX and XXXX XXXX was first replied to on Saturday XXXX XXXX at XXXX XXXX EST Looks like an automated message I replied a few minutes later at XXXX XXXX. XX/XX/XXXX Next response was today XX/XX/2021 at XXXX XXXX. EST. Letting me know I could file a complaint, but they considered the matter resolved. 

I've had a running Direct Message on XXXX with their Coinbase Support team and they keep redirecting me to the Customer Care team who quite frankly does not care. 

I've filled a formal complaint with them via case XXXX and with case XXXX there hasn't been another response to it since i opened it. 

My formal complaint number is Complaint # XXXX. 

In order to see that the issue is impacting my account all you have to do is go to my portfolio page and see orders on hold and see that there is XXXX on hold. Next go to the orders tab and see that there is no orders active. Essentially they have XXXX on an orphaned/ghost order that their system lost. It's traded through my limit buy price atleast twice. At this point in time I'm considering sueing them in small claims to get my money back as they do not seem to care about people investments.
Consumer complaint received 2021-11-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner...
Consumer complaint received 2024-10-17
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)

Upon reviewing my credit report, I discovered the following unauthorized inquires on my credit report XXXXXXXX XXXX XXXX  - non specific XX/XX/XXXX Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX other than XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the FAIR CREDIT REPORTING ( FCRA ). I am requesting immediate removal of these fraudulently inquiries from my credit reports.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2021 @ approximately XXXX, our small 2 person mobile repair company received a call from a truck owner who had a driver in distress on the interstate. Our mobile mechanic was dispatched and found the customers issue, in which he repaired. The customer was billed, the invoice sent via square text services and he then paid the invoice in full using his American Express Card. And the driver was on his way. 

The owner called back shortly after to advise the driver was pulled over about 30 miles from the original site with another issue. Our mechanic returned to the truck and found another issue in which we advised required a part in which our parts vendor wasnt able to provide until next day after noon. As an alternative, the mechanic repaired the truck enough for the driver to return to home where we advised it would need to be seen immediately by the customers mechanic. As a courtesy, the customer was not charged for the return back to the truck. A message notating the visit was sent which documented the encounter. 


Later that afternoon, the owner called a third time to advise the driver never left and they wanted us to get the part and repair the truck. This was done and billed. The customer paid agin using XXXX and the driver was on his way. 

We later received an email from square stating the customer never received the first charge we of course disputed and they still ruled in the customers favor as if they did not receive the repairs.
Consumer complaint received 2021-11-03
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: Receivables Management Partners, LLC (TX)

This company RMP Services LLC is using my information without my permission which is Identity theft. I have never done business with this company before. This company is reporting information on my credit report that is false. I demand they take off this slender to my credit file.