davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA (GA)

Account number XXXX I recently pulled my credit report and seen that Hyundai Motor Finance has this on my credit report as charge off. However I have never received a 1099 C Form. Since this account was reported to the IRS as a loss. I never received the Cancellation of debt notice .Therefore, this account is inaccurate and has to be removed off my credit report.

This dispute is according to law 15usc 6802.

Please consider this letter as a formal dispute of debt of XXXX by Hyundai Motor Finance and needs to be removed immediately I kindly request that you respond to this Failure to do this removal is and will be considered a violation of the FDCPA.
Consumer complaint received 2023-04-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX  XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 
Account names : 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 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

The items listed below are reported on my credit file and were found in my reports with XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-07-19
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. (NM)

Of the three credit companies, Experian is the only one reporting a debt from XXXX XXXX XXXX ( XXXX ) that isnt mine. I filed a complaint using this platform, and XXXX XXXX XXXX ( XXXX ) responded that, to review my claim, their client requires a copy of the full police report and a completed fraud claim at identitytheft.gov, along with the necessary information, which I am submitting through this channel.

I kindly ask Experian to review the attached documents and take action to remove this from my credit, as they are the only company reporting it. 

Thank you very much.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was alerted by a credit reporting agency that a new hard inquiry was on my account. I also received emails from Bank of America saying thank you for your application, your application has been approved and welcome to online and mobile banking. The emails were disturbing because I had placed a freeze and had locked all of the credit reporting agencies since someone had tried to open an account in XX/XX/2023 in my name. 

I phoned XXXX to ask about the alert I received and they told me to call Bank of America to ask if they had an application in my name. So I called Bank of America and they said yes there was an application in my name. ( After I had to give them personal information ) I explained that it wasn't me who initiated the application and they told me they would close the account and remove the hard inquiry. They wouldn't tell me what type of account it was because I didn't open it?! After I spoke to them I had new emails from Bank of America saying your digital debit card is here, and another one that said your digital debit card was recently viewed. 

My problem with the entire situation is why did Bank of America approve the account without reaching out to me for approval since I had my credit frozen and locked at all the reporting agencies since XXXX?! That is what is most disturbing to me.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

On XX/XX/XXXX, I discovered that a collection account was posted by Waypoint Resource Group ( Waypoint ) to my XXXX and XXXX consumer credit reports ( Enclosures 7 and 8 : Account number XXXX ). The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from Waypoint regarding this collection account. However, based on the information ( amount and original creditor ) provided by Waypoint to XXXX and XXXX on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted disputes regarding the collection account referenced above to all three credit bureaus via certified mail. I also filed complaints against XXXX and all three credit bureaus with CFPB on XX/XX/XXXX ( Complaint XXXX XXXX, XXXX, XXXX, and XXXX ), which ultimately resulted in removal of that collection account. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and refraining from submitting any communication to the collector ( Waypoint Reource Group ) independently out of concerns for my privacy. 

As a physician supporting public health responses in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WI)

Since XXXX of 2020 I been charged for services NOT being approved by myself as the card owner. I been attempting to locate the phone I sold with no luck with my wallet. The wallet has been used since last year XXXX and I have not been approving it. Ive asked apple for assistance over 100 times with no luck. My bill is now {$7500.00} I owe a lot of money that I did not approve, I have been asking for apple to reach out to me and investigate this and ask for assistance with no luck.
Consumer complaint received 2023-04-29
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. (GA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-19
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

3RD COMPLAINT!!!!!!! 
PENFED CREDIT UNION AS PER THE LAST REQUEST FROM THIS COMPANY, PENFED, I TRIED TO CONTACT XXXX XXXX VIA THE TELEPHONE NUMBER PROVIDED, SEVERAL TIMES. 
HOWEVER, THIS XXXX XXXX, NEVER, EVER RESPONSED, NOT ONE TIME. 
I LEFT A PLETHORA OF MESSAGES ON HIS ANSWERING MACHINE, AND EVEN CONTACTED THE COMPANY REQUESTING TO SPEAK WITH HIM, TO NO AVAIL. 

CURRENTLY, I SENT AN EMAIL, AGAIN, WITH MY INFORMATION TO AMEND MY ADDRESS AND THESE PENFED REPRESENTATIVES ARE ASKING FOR DOCUMENTATION ( ID, SOCIAL SECURITY CARD AND UTILITY BILL ) THAT WERE ALREADY PROVIDED ON SEVERAL OCCASIONS VIA PENFED 'S PORTAL. 
I HAVE SUBMITTED EVERY AND ANY DOCUMENT, PENFED REQUESTED. 

THIS COMPANY, PENFED HAS KIDNAPPED MY FUNDS AND CONTINUOUSLY ASKING FOR A RANDOM. 
SO WHAT CAN YOU GUYS ( CFPB ) DO TO ASSIST ME. 

I HAVE SUBMITTED TO ALL PENFED 'S ASININE REQUESTS AND STILL GETTING THE SAME RESULT ..... NOTHING!!!!! 

AFTER CONSULTING WITH AN ATTORNEY WHO ALSO STIPULATED THAT PENFED IS BEING ABSOLUTELY UNETHICAL EGOTISTICAL IN THERE BEHAVIOR. 
WHAT NOW? 
YOU INFORM ME, AS I AM LITERALLY AT MY WITS END. 

THANK YOU????
Consumer complaint received 2023-04-02
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. (NC)

Submitted a request to investigate collection account XXXX XXXXXXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TN)

I previously reported this with you all and XXXX updated my report after I filed a complaint saying that the account, LVNV Funding, meets FCRA requirements. Not only have they not validated the debt, they are now inaccurately reporting Date last active. I have never made a payment on this account as I have been trying to get this company to verify the date for years and they have failed to do so and the credit reporting companies XXXX and XXXX has failed to hold them accountable. I have asked the credit bureaus and the collection agency, LVNV Funding, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from LVNV funding.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX XXXX XXXX LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$6400.00} View Details 3 XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX LOAN Repayment {$2100.00} View Details 2 XX/XX/XXXX XXXX XXXXXXXX LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXXXXXX XXXX XXXXXXXX LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.
Consumer complaint received 2023-04-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CT)

I am a user of Google Pay, an online wallet for credit cards to make payments through apps or other online transactions. Last XXXX someone hacked into my Google account and used my Google Pay account to purchase 12 Google XXXX  phones. The fraudulent charges totaled {$11000.00}. This was done using a stored XXXX issued credit card. Once I learned about this I immediately reported it to XXXX and I filed a police report with my local police department. XXXX took almost three months to resolve the issue and I had called them many times to get the fraudulent charges removed. In the meantime, Google kept suspending my Google Pay account and I had to keep calling them to get it reinstated ( which is very difficult to do since they make it hard to find a phone number call ). Now they have suspended my account and although I have called, they still haven't reinstated it and it has been over a month.
Consumer complaint received 2023-04-02
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 (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX NAVY FEDERAL CREDIT UNION Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.