davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my mental health. I need you to fix this problem right away because my scores are also being affected.
Consumer complaint received 2024-09-30
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: EQUIFAX, 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 unde

r 15 USC 1681. 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 2024-11-01
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. (MN)

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer right 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 State, I have right to privacy 15 U.S.C 1681 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.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-30
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. (IL)

I have tried to have these improper items that are negatively reporting on my credit report removed due to violation of my privacy rights, defamation of character, and the main reason, which is I never gave consent to report these items on my report. 

The following late payments are a part of the hinderance on my personal reports. 

XXXX XXXX - XXXX - {$25.00} XXXX XXXX - XXXX - {$60.00} XXXX XXXX  - XXXX - {$530.00}
Consumer complaint received 2024-09-11
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 noticed a fraudulent collections accout on my credit report in XX/XX/year>. I've reached out to Experian, the original creditor, the collections agency, the local authorities, and the FTC to files a claim against the fraud. All the agencies I've reached out to have provided reports to me and Experian stating this was fraud and should be expunged from my credit. The original creditor and the collections agency have contacted Experian directly. I have uploaded NUMEROUS files per their request to demonstrate that this is due to identity theft. After over 6 weeks of constant attempt at jumping through hoops for their ludicrous requests, Experian continues to send me emails refusing to expunge the fraudulent account from my credit. The last email, sent this morning, says it was denied for the following reasons : and then had nothing provided. I've attached this email here. it also asks for a copy of my identity theft report, which I've already provided them. They then asked for me to create a police case with the identity theft report, which I did & then provided to them. They then inaccurately said the report did not show it was submitted, in which I pointed out the area where it does state this and gave additional documentation proving it was submitted. I've spoken on the phone to XXXX separate agents who were not able to provide any insight as to why it is still on my account. I want this removed from my account and I want it noted that Experian perpetuates fraud. They have consumed no less than XXXX hours of time having to track down the various reports they're requesting, then refusing to accept the reports, then furthermore refusing to acknowledge that the original creditor and collection 's agency admitted to it being fraud. I feel that I should be compensated for my time, but at this point I just want it removed from my credit.
Consumer complaint received 2024-09-11
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. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-17
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-16
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. (AZ)

" I received an update from XXXX XXXX XXXX  regarding missed payments on my credit report. This should be updated to reflect 'Paid as Agreed. " & NEVER LATE Additionally, I have attached a document from XXXX XXXX XXXX  for your reference. ''
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

I.C System Inc, account # this company is trying to collect money from me and also leave a mark on my credit report for {$100.00} that i do not owe them i ask them to remove it and no one responded over a year to this date.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-01
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. (WI)

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (GA)

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and courtdocuments.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Westlake Services, LLC (MD)

Around XXXX, I ordered a business accelerator course from XXXX XXXX. I can not afford outright. Applied for loan thru XXXX XXXX who referred by to Covered Care. I bought the course for {$7500.00}. When I received the so called course, it was not as expected. I immediately inquired about a refund/reversal of the loan XXXX XXXX refused . Covered Care refused without merchant permission.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

DEBT VALIDATION CLAIM 15USC 1692G allows me the right to request debt validation claim I am requesting the following ; 1. Send me a full detail list of payment history for this account.

2. Send me the original signed contract that I agreed too for this creditor.

3. Has there been any insurance claim found on this debt?

4. Please provide the chain of title that you have to collect on this debt.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX XXXX i received money from a friend into my personal PayPal account. 
PayPal immediately red flagged my account and requested for some information regarding my identity. I provided my National ID documents and an explanation of the transactions of which i did write " from a friend '' I didn't in any way violate their User Agreement since my account is a new account and am referring to the first transaction ever on that account. 

I ask PayPal to do a thorough review on my account because i don't see an apparent reason to limit a new account that has no records violations in whatever way. 
This is what i believe after multiple request to reach out but no help till date ; XXXX. Paypal has failed to provide a full & proper explanation for my account permanent limitation XXXX. Paypal has failed to respond to our written requests asking for an explanation & immediate return of funds within a reasonable period of time ( I believe 3-5 days ) Details of previous National Identification ( ID ) XXXX. I believe PayPal has no legal authority to make judgments about the guilt or innocence of any party without following a formal & legal process where customers can challenge decisions. 

XXXX. In failing to provide me the specifics of why my account was permanently limited or the ability to challenge my account limitations I believe they have illegally applied the terms & caused damage to my daily activities for which I seek remedy & reasonable compensation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (WI)

I have an investment account with Sofi. Due to my bank account being compromised, I went to sofi and update my new bank account. I even called sofi to delete my old account. After multiple attempts to transfer money into my account without success, I manually entered my routing and account number. I called sofi multiple time to resolve the transferring issue, but it still didn't work. Sofi started to sold some of my stock to cover the deficit. Then a few days later, sofi liquidated my whole account positions and restricted my account. Initially I didn't know why I can't move or use my fund in the account and after many calls and run around, I was told my account was restricted. Sofi started to liquidate my account on XX/XX/XXXX and put a restriction on my fund. I called multiple time and spoke to supervisors without resolve the restriction. If sofi closed my account, they should let me withdraw my fund by either send a check to my address on file or send it to my bank account on file. They did neither of these and just held on my fund. I file a complaint with consumer bureau protection and a person contacted me XXXX days later. We have a constructive conversation, which he told me that he would unrestricted the account on the spot. On the same day, XX/XX/year> I transferred some money from Sofi to my bank and account and again it was frozen in review status. Again I called sofi, after a long conversation, the agent was able to confirm my fund would be available in XXXX business days. XXXX business days later, I checked my sofi account and it still in review status. My fund has been held by sofi for over XXXX weeks, which has caused liquidation crisis for me. I'm behind of my credit card bills and have to pay interests on loan. XXXX has been lacked in communication. They liquidated my whole positions, put a restriction my account and held my fund without alerting me. Sofi has put multiple road blocks for me to withdraw my fund. There is an inconsistency with information given by customer agents and what really occur with my account.
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (OK)

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.

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 2024-08-16
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. 

I demand that you take the following actions immediately : XXXX. Cease and desist any further unauthorized disclosure of my nonpublic personal information. 
XXXX. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
XXXX. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records. 
XXXX. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (MI)

I am trying to dispute credit inquiries that I am unfamiliar with and did not authorize. Reached out to Equifax several times to dispute and provided them my ftc report to report identity theft and they are refusing to remove unauthorized inquiries. They claim the did an investigation but can not tell me in what particular way these accounts were verified. If its not attached to an open account and I didnt authorize the inquiry is should be removed. Also they just keep providing me the same report and not investigating every time I put in a new dispute. Not to mention the name on my Equifax credit report is XXXX XXXX and the inquiries are for XXXX XXXX, so technically this is another reason they should be removed.
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MI)

For one thing by the law I was not supposed to be charged XXXX for a down payment on a car that was told to me was only XXXX by 15 usc 1662B TRUTH OF LENDING ACT no cash should not been involved in my consumer transaction BUT XXXX  XXXX AND SANTANDER DID SOME TYPE OF BUSINESS WITH MY INFORMATION WITH OUT MY SOLE PERMISSION TO GET ME THE HIGHEST Interest rate they could come up with its unfair and against the law Truth
Consumer complaint received 2024-09-30
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. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"