davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (AZ)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 
XXXX XXXX
Consumer complaint received 2023-06-06
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 an 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. Also, this inaccurate personal informations : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Please delete these items ASAP.
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: Experian Information Solutions Inc. (TN)

I have multiple inaccurate and unauthorized names and inquiries that I did not initiate or utilize on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX Everything else is unauthorized.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (NC)

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 2023-10-21
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)

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 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
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: Experian Information Solutions Inc. (FL)

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 U.S.C. 1681. 

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. 


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 : States a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-06-06
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. (SC)

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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # 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
Consumer complaint received 2023-10-21
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. (CA)

After disputing a medical collection through XXXX, Experian and XXXX I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.
Consumer complaint received 2023-10-22
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

During XXXX of XXXX I was offered a discount to open a charge card at the store XXXX. The card is offered by Commenity bank where I have another regular charge card. On a balance of about {$120.00} I first made a payment of about {$25.00} and then paid the balance in full before the due date on the next cycle in XXXX. Since I had a XXXX balance, I assumed I did not owe them any more money ( and was having a hard time accessing the account online as I was having medical issues to deal with ). When I finally accessed the account a few months later, they had charged something {$2.00} in interest, then charged me late fees for not paying it. When I called them they cited a 'minimum interest charge '' they had a right to charge. While they removed all the charges, by then I had 3 over 30 day late payments on my credit report, causing multiple other credit cards to increase their interest rates. When I called to ask them to remove the late payments, they restated they had a right to charge me this and that it was in the fine print on the disclosures. I read ALL the fine print, on line and on the credit card statement and could only find that if you paid on time there was no additional interest. As of now, I still have the late fees on my credit report, which has gone down at least 100 points if not more at times as a result and at least one credit card reduced my credit line on the one card I kept money available for vehicle emergencies leaving me with no recourse for emergencies. I mailed a request to have the reporting reversed this spring ( XX/XX/XXXX ) and they refused. I ran into the same problem with my XXXX XXXX card held by XXXX but at least I knew to look for it and just paid the extra XXXX even though I had paid the card in full and on time. I spoke with someone today at another company who said they had been in the business 20 years and never heard of such a thing. So, maybe YOU can get them to take the erroneous reporting off my credit report. I've attached the first statments showing the balance, the second statement showing I paid in full AND that they then charged {$2.00} interest on the XXXX balance, and then the statement where they wrote off the then {$100.00} dollars in late fees and owed me {$2.00} which they did pay me via check.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX, XXXX. XXXX
Consumer complaint received 2023-10-21
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. (TX)

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
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)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I extended my 24 month lease with Nissan. I had called them to extend the lease in XXXX as the due date was approaching. We agreed on a 3 month extension. Late XXXX comes I get a new car- I tried to have the dealership where I purchased my new car return the Nissan, they weren't able to and the car could not be returned to a Nissan dealership without an inspection. I called XXXX, the inspection company in early XXXX to make an appointment to return the Nissan, they said they couldn't come inspect it until XX/XX/XXXX which was past the XX/XX/XXXX due date with Nissan. Once I found this out, I called Nissan to advise them it couldn't be inspected until after the cars anticipated due date. They said no problem they would make NOTE of it in their system and there wouldnt be any issues. Now we're in XXXX and they send me a bill, which I expected for not getting another Nissan, a disposition fee. Nissan has decided to bill me for an additional 4TH payment bc the car was returned after the due date which is exactly why I had originally called to communicate to them. I promptly called Nissan customer service to clear up the additional one months payment they were charging me. When I finally spoke to someone at NMAC they told me, well too bad you should have made the inspection appointment sooner. I gave them ample time to schedule an inspection and actually got stuck with this car for 3 weeks longer than I had anticipated bc I was awaiting the inspection. I had responsibly communicated with all parties so I would not run into any issues.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

I have had a horrible experience with venmo. My account was hacked and money was taken and put in a XXXX  account that does not belong to me nor do I know who it belongs to. I don't even have XXXX  myself to be quite honest with you. I have contacted XXXX  regarding the matter and gave them all the information that I know. I gave them the make and model of my device, the state I'm located in, the name of the person that was on my venmo transactions. When I noticed that my account was hacked I immediately contacted venmo and upon talk with a venmo representative she agreed that my account was hacked so I took the proper steps necessary to gain access back in my account. I provided all the proper documents that were asked of me. I was then able to get access to my account that's when upon looking I noticed the unauthorized transactions. I filed the disputes and with in two hours my venmo account was frozen permanently. Venmo would not give me any kind of reason why it happened either. I know I personally did not do anything to go against the user agreement. I do have a tax Id that venmo verified so I could make business transactions so I know I didn't violate anything by that. I finally was able to talk to someone through venmo and they finally told me that my account was frozen permanently due to the fact I filed the unauthorized transactions. I had every legal right to file the disputes without getting my account frozen especially when it was proven that my account was hacked. I had a little over {$1300.00} taken from me. I followed the right steps and let the right people know that it was hacked. I feel like I got punished for going about this situation in the right way. I still have money on my account as well. I didn't do anything wrong. I just want to get my account back and my money asap. The freeze was placed on XX/XX/23
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management Inc. Has stolen my personal information. I have no contract with Midland Credit Management inc. and I have never given them any personal information of mines. How did they obtain my personal information? Midland credit Management Inc is reporting illegal and unauthorize personal information on my credit report. Midland credit Management Inc is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given midland credit management Inc. Notice letters of dispute, Opportunity to cure and opt-out request. Midland Credit Management refuse to perform based on law. Midland Credit Management Inc. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling.Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue tobe harass with illegal reportting and court casses that i never agreed to or authorize this use of my personal information
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (NY)

I want to alert you to Ollo Card 's shady business practices. They only allow you to pay via debit card once the account is past due. I tried to pay ahead of the due date but don't wish to make it via bank transfer for various reasons. After escalating several times, I was advised only collections can take debit cards. When I asked to be transferred to collections, I was told they don't accept payments on current accounts.

By not allowing flexibility in payment methods, Ollo Card is intentionally causing low-income people to default on their bills resulting in more money.

These are shameful practices and should be stopped!!