davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (AR)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (MD)

Velocity Investments , LLC & XXXX, XXXX & XXXX is attempting to collect/sue for a debt that they have yet to validate or send any type of correspondence. They have yet to respond to ANY request of for validation. Two letters were sent to Velocity via USPS priority XX/XX/XXXX and XX/XX/XXXX. VelocityXXXX, XXXX & XXXX has sent a letter threatening to garnish wages on a debt again they have not validated or sent any kind of documentation about. They have been trying to sue since 2020 and in that time still have not validated the debt. Nothing regarding this debt was received before that time.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..
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: EQUIFAX, INC. (CA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

Ally is continously refusing to send me my payoff documents, my lease payoff amount and my payment history.. 

It has been close to 5 months and this is the 5th complaint ( possibly the 6th ) I have filed in a week on Ally. 

They sent the same woman to call me twice, and she just hangs up on me when I tell her to stop calling me and send me my documents. 

I am awaiting signing a retainer with an attorney to file a legal suit against ALLY for refusing to send me these documents and engaging in fraud and decpetive business practices. 

I have read hundreds of online complaints about ALLY doing this to thousands of consumers. This is their actual business model, to extort money fraudulently from consumers for no reason at all, when the consumer is TRYING TO PURCHASE THE CAR AND GET AWAY FROM ALLY This is costing me {$500.00} a month in garage fees, {$300.00} a month in car insurance and {$580.00} a month in the lease payment for a total of {$1400.00} OUT OF POCKET EVERY SINGLE MONTH THAT I DO NOT LEGALLY HAVE TO PAY IF ALLY FOLLOWED THE LAW. 

{$1400.00} x 7 ( total ) months that ALLY has been refusing to send me documents = {$9800.00} so far in unnecessary payments out of my pocket, countless hours lost of wages at {$1200.00} a day trying to force this corporation to abide by the laws. They refuse. The losses and damages in this case will be in excess of {$100000.00} at this point due to how severely Ally has harmed me, my corporation, and impacted my ability to survive.
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: Experian Information Solutions Inc. (CA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-23
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. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-10-22
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. (PA)

I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY! 
According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
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. (GA)

I was never late on the paid off account listed above. Please show me documentation showing proof of the transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from credit report.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

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 XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX have violated my rights. 


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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I/Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX, the undersigned affiant, a living XXXX declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsy misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on XX/XX/2023 another on XX/XX/2023 and the last one was sent on XX/XX/2023. I will attach all the documents that were sent to this corporation below upon request as I have already sent them.
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. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MD)

no matter how many times I've requested this information after having provided them with my name, date of birth, routing and account number with XXXX XXXX  they reply nothing in on their records regarding this information but as early as today {$2000.00} was taken out of my account. I called the family member involved who I authorized a onetime transaction because she was low on funds and out of town and she advised me she had updated their records ( cash app ) with her bank information. I believe she failed to delete my info which is a possibility as well. As noted she does have health problems. At any rate I just want my personal bank account information purged from cash app records.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called XXXX XXXX and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe XXXX XXXX anymore money.
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Accounts have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( TRANSUNION, XXXX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.