davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (TX)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/XXXX I sent a {$34000.00} check to XXXX XXXX, my daughter in law. She endorsed the check over to her investment account at XXXX and mailed it. The endorsement on the check was covered with " white out '' and fraudulently endorsed over to an XXXX account in a different name on XX/XX/XXXX. The money was paid out by FNB Omaha XXXX. We have reported this theft to XXXX ( our bank ), the USPS, and the XXXX XXXX XXXXXXXX has told us that we have submitted all the required information and documentation. 

XXXX has been working on this and has been in communication with the Bank of Omaha in an effort to recover the {$34000.00}. They tell me that the Bank of Omaha has been unresponsive. It have been over 6 months!!! 

XXXX XXXX XXXX XXXX Executive Client Relations, has been working on this case. Her phone number is ( XXXX ) XXXX. For reference, my XXXX checking account number is XXXX.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (IL)

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Consumer complaint received 2023-09-18
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)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC (OH)

On XX/XX/2022 I paid the vehicle off and innovate owes me money for overpayment and paperwork related to my loan payoff. They continue to refuse to do anything they say they will do and have resorted to saying that they might find a way to make me owe more money instead of sending what they owe.
Consumer complaint received 2023-08-17
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. (MI)

RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Experian ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, Experian and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has my credit score according from XXXX XXXXXXXX XXXX print out as of XX/XX/2018 was ( XXXX ) As of XX/XX/2018 showing ( XXXX ) as by XXXX XXXX XXXX. The issue I have there has been a lot of wrong information that was on my credit report by TransUnion such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 2 BY XXXX XXXX XXXX in which has been all removed and some that was court papers as to why they was on there. TransUnion has since lowered my credit due to what I see all these company 's been removed by them. My credit score should not have gone down by ( 34 ) points. I have no late credit cards- student loans or revolving credit cards-car payments etc there is no justifications for this on TransUnion/ XXXX XXXXXXXX XXXX
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (FL)

Hello, Contacted XXXX XXXX XXXX XXXX XXXX   after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. 


Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

So on XX/XX/2018 I made a transaction over PayPal with XXXX XXXX for XXXX or {$120.00}. I have my transaction ID for it in hand. 

It was for a digital service however a few weeks past after that and I have heard nothing from him. I have repeatedly tried to get my money back but with no successful attempts. If I could get help in this matter I would appreciate it.
Consumer complaint received 2023-08-17
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: NAVY FEDERAL CREDIT UNION (TX)

I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.
Consumer complaint received 2024-01-28
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: EdFinancial Services (FL)

This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and XXXX added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by EdFinancial totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (MN)

on XX/XX/XXXX Upstart company reported my personal loan payment as 30 days delinquent and 60 days delinquent with XXXX. I contacted them and asked for this to be removed from my credit report as my payment was made on time. I received an email communication from Upstart stating that After completing an internal investigation, the have determined that the delinquent status reported to the credit bureaus as of XX/XX/XXXX, is not accurate. And promise to make correction. 

The correction was never made and the delinquent status still shown on my credit file as of today XX/XX/XXXXXXXX  Due to the inaccurate reporting and failure to make adjustments for more than 10 months I was denied multiple personal loans to pay my debts.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection bureau of a has violated my rights. 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.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX 2 accounts {$14000.00} & {$3000.00} XXXX XXXX XXXX  {$3000.00} XXXX XXXX {$500.00} Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX  is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (AZ)

XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! 

XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX  XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. 

Please investigate XXXX XXXX and A.R.M Solutions!!!! 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2018-09-11
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. (SC)

Experian continues to perform and report inaccurate and unverified data on my credit report. Having looked at Public Records, against Experian, This company continues to Report unverified data from automated systems by the agency. I requested Experian to investigate items on my credit report that I believe is mixed data with my son. Ive sent certified letters requesting names and phone numbers of individuals from the Agency who verified my account without success. CFPB please assist me with the information I requested from Experian I have copies of the certified letters I sent them upon request.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

On XX/XX/XXXX I paid off my XXXX XXXX bill {$92.00} and the service was disconnected on XX/XX/XXXX which was my last day at the apartment where the charges were billed to. On XX/XX/XXXX I received my last bill which shows no forward balances and no further owed amounts on the account. I attached my bank statement which shows consecutive payments to XXXX   XXXX Less than a year later in XX/XX/XXXX I found a charge off from XXXX  XXXX for {$410.00}. Since then, I have attempted to settle the dispute directly with XXXX XXXX and was unsuccessful, I then contacted the collection agency directly, however they could not provide back up which proved that the {$410.00} charge sent to them from XXXX  XXXX was a valid charge. I have made numerous calls, explaining the situation and have provided back up to prove what I have stated in emails but my emails are never answered and the issue has yet to be resolved. I will be in the process of purchasing a house soon and this charge is seriously impacting my and my husbands credit.
Consumer complaint received 2019-02-13
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. (CA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had a checking account with Bank of America, and in the period from XXXX to XXXX Bank of America charged my checking account unfairly with multiple overdraft protection fees to cover their monthly maintenance fees of {$12.00}. 
I had never over-drafted my checking account myself. Bank of America used to withdraw an amount of {$100.00} from my credit account and transfer it to my checking account when it was over withdrawn without consent to cover their monthly maintenance fees of {$12.00} plus {$35.00} overdraft protection fees. 

Bank of America, used to withdraw from my credit account a higher amount than the maintenance fee amount with the intent of maximizing the charged interest and transfer fee per transaction. This is an unfair and deceptive practice because it increased my monthly payment due over time, and has damaged my credit score at the three credit bureaus XXXX, XXXX, and XXXX by reporting inaccurate information. 

Bank of America breached its contract and improperly assessed and collected overdraft fees and interest. Furthermore, the practice itself violated the Fair Credit Reporting Act ( FCRA ). FCRA allows consumers to seek damages of $ XXXX {$1000.00} per violation. The violations occurred multiple times between XXXX and XXXX. I reserve my right to take all necessary steps to protect my rights and recoup damages. 

In addition, I demand Bank of America perform accounting and produce bank statements of my checking account. I request as well a refund of all the improper fees, reverse any improperly charged interests and correct any miscalculations.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.