davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-09-05
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year>, I applied for a line of credit with Barclays Bank. A hard pull on my report was made and I did not receive the credit line. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.
Consumer complaint received 2024-10-03
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. (ID)

I have accounts with XXXX, and XXXX XXXXXXXX, and other accounts as well that I've never heen given credit for paying on time and paying off. My oldest account is XXXX XXXX XXXX it is child support and I've paid off almost {$30000.00}. My XXXX  account is not past due it is paid up to date. My XXXX XXXXXXXX account is paid off completely. With no late payments, I had XXXX XXXX  accounts both are paid in full. I have never been late on anything. This should give me a perfect score. My score does not reflect this or any of my efforts. XXXX was supposed to update my credit to reflect these issues but never did. Transition will not even give me mt credit score without giving them money. And will not give me a copy of my report at all.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Giact Systems, LLC ()

After a router charger blew up and fried my XXXX, ( last XXXX ) I lost all my passwords and had to set up a new account with XXXX XXXX. I use XXXX to send money to my caregiver in XXXX because the XXXX XXXX XXXX doesn't accept XXXX debit cards and the local money exchange, XXXX- where XXXX XXXX is, doesn't accept XXXX at all. I have used XXXX successfully for four or five years until I had to change my email / registration and immediately after changing my XXXX account access, my transactions were blocked and XXXX said GIACT was responsible for that intervention. 

I don't understand because XXXX and my credit union have a security contract that detects fraud very efficiently. Why is GIACT interfering with my banking?

I was finally able to speak with a GIACT rep today and they said they only file reports, they don't block access. That's nice, but they were wrong to file a report on my old bank acct and the new bank acct I set up recently trying to work around their stupidity. I never had any problems with sending money for my needs until GIACT intervened. According to their website, they partnered with XXXX, a XXXX financial security organization. There are so many things wrong with this situation. I filed a complaint against GACT with the XXXX and have asked my US representative for a referral to someone on a banking regulations committee.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Requested the verification of all addresses listed on my report and the removal of addresses listed on my report. The only address that should be listed on my report is my current address which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

For over a year I've been disputing the validity of this account all three reporting agencies investigated although none have provided nor required actual proof of ownership all parties refuse to provide any information. The original creditor claims to have no access to the account and the collections agency refuses to provide any contract agreement as well show any statement of transactions charges only claiming they've sent a validation letter to address that is not even my own. I've filed identity theft with the FTC. I've complained and have had contact with collector disputing the account as fraudulent activity with original creditor XXXX  XXXX as they claimed to have taken note and removed their derogatory account from my report however LVLN Funding LLC continues to report account as all investigations are mishandled taking the word for granted instead of requiring documents to confirm fcra requirements. Claiming to meet fcra requirements by deceit and treacherous immoral business practices. Claiming account opening on XX/XX/XXXX with a balance of {$570.00}. As of XXXX XXXX The collection account now is listing LVNV as original creditor and XXXX XXXX is no longer the original creditor. As well other collection companies resurgent have been emailing me with claims of handling the account. The collection account has caused great harm from inability to borrow along with work opportunities passed over due to identity theft life has become unaffordable with Insurance rates doubling having to take high interest loan to balance monetary losses. My complaint should hopefully open the eyes of the FTC to the fact that nobody is actually investigating disputes nor are collection agencies providing actual proof of ownership instead of somehow slipping by ai or whatever algorithms a so called investigation process program allows to let slip through. Please help as the only thing I see left is to file suit against all parties involved and even that is unaffordable due to credit worthiness from collections left in a spiraling decline of continued abuse
Consumer complaint received 2024-10-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NY)

The school was shut down and I was informed that my loans will be forgiven and it hasnt and my credit is being affected because I cant afford to pay it back Im struggling to just keep my head above water. I constantly depressed because I cant do anything because of creditors calling. I wish I could pay it off and my credit will be better but I simply cant afford it and I been getting calls sailing it can be removed but then they want money I dont have to start the process to have it forgiven
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OR)

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; 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. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc. (NY)

They have asked me to provided documentation and when i asked what documentation they stated they could not tell me due to everyones account is different ave there reporting to my credit bureaus late payments when i have no knowledge of this account. Its fraudulent
Consumer complaint received 2024-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SOFI TECHNOLOGIES, INC. (IL)

On XX/XX/2024, my retirement savings funds transferred into my account in the amount of {$4400.00}. Then, On XX/XX/XXXX, my account became restricted for no reason. I just recently opened this account due to fraudulent activity with another online banking. I am past due in my car note, rent, and etc bills. I called numerous of times since then and the responses i always get are Theres a representative from the internal review department that is specifically handling your account and will provide you an update with the next steps. At this moment, there isnt a specific timeframe when this investigation will be done but check your Sofi app time to time for updates revolving your account restriction. These people are full of it and i just want my funds and i will no longer want to bank with them. This is a poor banking system.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I filed a ftc affidavit report in XXXX XXXX because I found this account : XXXX XXXX XXXX reporting on my credit report as a charge off that does not belong to me. I have submitted this claim to ( CFPB ) several times and called the XXXX XXXX on the phone about this account not belonging to me. I was told the account number # XXXX that is reporting on Equifax is incorrect and that correct account number in their system is XXXX. I was also told to email them directly to handle this matter and yet nobody has responded back. 

I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a **1099-C ( Cancellation of Debt ) ** form to legally consider the debt canceled or paid in full. I have not received any type of correspondence.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (GA)

I purchased my vehicle from CarMax Auto XXXX XXXX XXXX under a retail installment agreement. The financing of the vehicle was subsequently transferred to CarMax Business Services, LLC whose XXXX number is XXXX, which sold the account to CarMax Auto Funding, LLC whose XXXX number is XXXX, and then to XXXX XXXX XXXX XXXX, which now holds the loan as trustee for the CarMax XXXX XXXX XXXX XXXX whose XXXX number is XXXX refer to Exhibit A the assignment, bill of sale Exhibit B, also pages XXXX, XXXX, and XXXX of your {>= $1,000,000} ( XXXX ) CarMax XXXX XXXX XXXX XXXX Issuing Entity or Trust ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Prospectus form refer to Exhibit G. 
Ownership of debt? As evidenced by the UCC Financing Statement filed in Delaware ( XXXX Filing No. XXXX XXXX ) XXXX CarMax Business Services , LLC relinquished its ownership rights to the CarMax XXXX XXXX XXXX XXXX on XX/XX/XXXX. Therefore, CarMax XXXX XXXX XXXX XXXX and its affiliated entities have lost their rights to collect on the alleged debt and pursue legal actions against me regarding this account refer to Exhibit C for a copy of the UCC financing statement recorded XX/XX/XXXX between the XXXX affiliated entities above. Also they refer to my retail installment agreement as a receivable which is sold on stock exchange as asset backed securities, in which I have not received disclosure or compensation for. 
At the time of my vehicle purchase, I was unaware of any defect in title, as shown by the UCC filings. These filings demonstrate that the lien on my title was between the involved entities and not with me as the purchaser refer to Exhibit C. Therefore as the bona fide purchaser I have legal right to the vehicle.

I have a copy of the 1099-A Form, sent to me by the CFO of CarMax XXXX XXXX XXXX which indicates my liability for the debt ended on XX/XX/XXXX, when the debt was transferred to CarMax XXXX Services, LLC refer to Exhibit D. In addition, I have a certified UCC XXXX stating that there XXXX no lien against me refer to Exhibit XXXX. 
The retail installment agreement I signed contains a mandatory Arbitration Provision stating that ALL claims must be decided in Arbitration refer to Exhibit F the Arbitration Provision. I initiated arbitration with the XXXX XXXX XXXX, and a case number ( XXXX ) has been assigned. I will suffer irreparable harm! I rely on my vehicle to commute to work and have already missed two days of employment. I am an operating room nurse at a public hospital and every day I miss is also harmful to the community. The potential loss of my vehicle could jeopardize my job, leading to financial distress and emotional pain due to the ongoing defamatory claims regarding my account that directly affect my livelihood. The emotional and physical distress I have endured because of the actions has been overwhelming. Lastly I have a lien on the vehicle FILED AND RECORED XX/XX/XXXX refer to Exhibit H.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I tried to get a loan they They held the funds they werent supposed to be released till the XXXX  then they returned the phones and froze up our accounts saying it was fraud. My mom Social Security goes in there and paycheck. Theyre not giving us access to one of them and I have bills to pay and Im gon na be overdraft on bills so I need to figure this out otherwise Im gon na have to try to sue them.