davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-17
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)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (CA)

On XX/XX/XXXX, my identity was stolen by representatives of XXXX XXXX, specifically Finance Manager XXXX XXXX, who secured a loan from Flagship Credit Acceptance without my consent for {$28000.00}. On that same day, I purchased a used XXXX XXXX XXXX, granting XXXX access to my credit for the transaction. However, they subsequently misused my identity to obtain a loan from Flagship and assigned my contract to them without my approval. Flagship, believing I owed them money, unlawfully repossessed my vehicle, despite never providing evidence of a legitimate loan. 

XXXX XXXX improperly classified my purchase as a motor vehicle transaction for XXXX tax purposes, without my consent or full disclosure. When I raised these issues with XXXX XXXX, he ignored me. Additionally, XXXX XXXX failed to provide the legally required notice of rescission, substituting it with a deceptive notice to cancel. This serves as my notice of rescission due to identity theft, fraud, and lack of full disclosure.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Although Portfolio Recovery Associates , LLC has been forwarded a request via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and per the USPS tracking information : " Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2023 in XXXX, VA XXXX. '' They continue to ignore the following letter : " XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, TN XXXX Portfolio Recovery Assoc. LLC. 
XXXX XXXX XXXX. 
XXXX, XXXX XXXX Mr./Ms. Collector and Portfolio Recovery. 
I am writing in response to your constant phone calls! 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing communication : You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location! 
In accordance with the federal FDCPA, now that you have received this " stop calling '' letter, you may only contact me to inform me that you : are terminating further collection efforts. 
Intend to continue your collection practices and processes, in According to the Fair Debt Collection Practices Act. 
intend to invoke a specified remedy. 
Please update all appropriate records that you are no longer authorized to call or contact me by phone ( s ). Furthermore, I will only accept collection activity in written form. Again, please update your records regarding no telephone collection calls on my account. Thank you for your cooperation. 
If you wish to further pursue collection activities, please forward Validation of Debt : copies of any original documents pertaining to original statements, accounts, letters, and any other original documents pertaining to the same. Also please provide proof that you are legally licensed and approved as a debt collector in the state of Tennessee. 
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805 ( b ) 2 of the FDCPA. Please advise any other collection agency, if that is how you received or learned of any accounts regarding me. 
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me, I will pursue all available legal actions to stop you from harassing me. 
Regards, XXXX XXXX XXXX "
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

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 2023-03-29
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (IL)

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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-29
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: EQUIFAX, INC. (CA)

This complaint is my follow-up to my previous letter to redispute these items : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was admitted into the hospital for the months of XXXX and XXXX of 2024. I did in fact make the payment ; however come to find out due to their website having a glitch or error the payment didn't go through. I called customer service and disputed it with them directly. Kohls customer service had to reset the portal and assist in resubmitting the payment. I was told it would not affect my credit score nor would it be reported to the bureaus due to it being an error on their end. The representative I spoke to reversed the late fee and stated I was in good standing and to get well soon. I am confused on why it is on my credit report especially if I did make the payment in XXXX.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (NV)

I HAVE TRIED DISPUTING THE FRAUDULENT BANKRUPTCY ON MY CREDIT REPORT, AND HAVE GOTTEN NO RESULTS! XXXX XXXX REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT HOWEVER IT SEEMS LIKE THIS COMPANY IS STILL SAYING ITS VERIFIED. IT HAS CAUSED ME TO LOSE OUT ON A HOME. THERE ARE ALSO FRAUDULENT COLLECTIONS AND INQUIRIES ON MY REPORT. THERE IS ALSO FRAUDULENT ADDRESSES ON MY REPORT THAT NEED TO BE REMOVED.
Consumer complaint received 2023-04-05
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2023-04-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-05
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. (IL)

On XX/XX/2022 I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the US Bankruptcy Court of Chicago that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including Equifax, XXXX and XXXX to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX AS WELL.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-28
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: Experian Information Solutions Inc. (LA)

I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX seperate companies had gift card purchased fraudulently with my debit card and several of my credit cards. I was able to get the issues with the credit cards resolved but USAA Federal Savings Bank refuses to refund the money that was taken out of my debit card account to pay for numerous gift cards. The merchants sent reports to my bank- and they clearly state that the XXXX address used to purchase the gift cards is located in XXXX XXXX XXXX Texas XXXX and NOT our IP address located in XXXX Texas XXXX This should be enough to prove that this was a fraud. The bank told me to take it up with the merchants, XXXX and XXXX and they would not consider someone STEALING my debit card credentials and using these credentials to purchased gift cards fraudulent activity. There is also supposed to be a " No Fault '' fraud policy that protects checking and savings accounts with USAA. Which is NOT true. They don't honor this policy and don't honor the fact that we've been members for over 30 years! There is CLEAR EVIDENCE ( IP Address, names of fraudsters on merchant reports ) that we are not fraudsters nor have we run our personal business in the last 30 years like scammers! I believe the bank should honor their " no-fault '' policy and look at the FACTS presented by the merchants and refund our money ASAP!
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Here is brief summary of main events coverings my car lease experience, wrongful automated system generatedrepossession order, report to credit bureaus and collection calls by NMAC agents : 1. On XX/XX/XXXX, Nissan XXXX  XXXX dealership paid off the car I had leased from them in full by mistake so my Nissan Motor Acceptance Corporation " NMAC " car lease account was closed ... no futher payments could be made. 

2. Dealership went to arbitration to correct it and have my NMAC lease account reopened. 

3. I filled a complaint against the dealership with NCDOJ and XXXX but the dealership did not respond to either of them. 

4. Dealership executive manager accepted their error in XX/XX/XXXX and agreed : - to make my car payments for XX/XX/XXXX and XX/XX/XXXX when NMAC reopens my lease account - to an additional refund of {$680.00} 5. No contacts were made by NMAC or the dealership with me ... no bills, explaination, notifications about a closed ornew account, warnings, repossession notice, etc. 

6. XXXX XXXX, NMAC opened a new lease account for the same car ( my prior account was still closed ), but did not inform me. 

7. On XX/XX/XXXX, I checked my NMAC account and found they had created a new account for the same car ... I checked my account status several times a week, and occationally, kept screen shots for my records. 

8. I attempted to make a payment via NMAC online app but it was rejected ... account not found. it appears the new account was not ready/fully functional to accept payments! 

9. On XX/XX/XXXX, I decided to make a payment via my own bank to my new NMAC account instead. 

10. On XXXX, XXXX, I received a call from NMAC to inform me that they had initiated to repossess my car as I had not made any payments for more than 91 days! 

11. The general manger of the dealership was also on the call so he attempted to make a payment while we were on the call ( via moneygram - as the only available option according to the NMAC agent ). The payment was not accepted as the new account was not found. 

12. The NMAC agent noticed the problem but said he could not stop the system generated automatic repossession untillMonday, XX/XX/XXXX. The agent also stated that my car may be repossessed over the weekend since the repossession order has already been sent out and reported to credit bureaus! 

I have now made all of my car lease payments, even up to XX/XX/XXXX, via my bank account. 

For the records, I understand thatNMAC had recently ( in XXXX ), paid $ XXXX in fines and agreed to submit a plan for CFPB approval that outlines how it will overhaul internal checks on repossessions, identify future wrongful repossessions and improve board oversight ... clearly they still have issues with their account opening and automated repossession system and procedures that should have been addressed by their compliance department.