davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (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 the 15 USC 1681. 

Account name : XXXX XXXX, Account ending in XXXX, Account Name : XXXX XXXX XXXX, Account ending in 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 crime 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 2024-09-09
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: Experian Information Solutions Inc. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXXXXXX XXXX XXXX XXXX XXXX  credit acceptance corp, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 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 2023-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am currently being sued by portfolio recovery for a debt that I have asked for validation on several times to no avail. They have yet to prove their right to collect on this debt. We have had 2 court dates in which Im not even sure if they showed up because they didnt speak but the judge keeps telling me he will continue the court case and that I should settle out of court. Even though I do not agree with the judge as I feel Portfolio Recovery is violating 15 USC 1681 I have tried to call and settle and spoke to a lady with a very nasty attitude. I offered to pay {$1700.00} that day in order to settle she said no and also said my account is not eligible for settlement. At the last court date I advised the judge again that Ive called and they refused to settle. No one spoke up on behalf of portfolio to confirm my account is not eligible for settlement in court. He then told me to try to call again! I feel as if they are not abiding by the judges orders in addition to never proving that they can even collect on this debt. My next court date is in XXXX and this time Ill be present with an attorney and a counter suit. I am in the process of buying a home and Im trying to put this behind me.Please help!
Consumer complaint received 2024-10-29
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. (NH)

My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXX ( XXXX ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B.

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law.

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report.

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Consumer complaint received 2024-09-27
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. (AR)

After carefully reviewing my most recent credit report, I noticed that there are several accounts that I have zero knowledge of. I did not give my signature to authorize any of these accounts. Here are said accounts that should not be on my report : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$550.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$410.00} {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} {$2500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$540.00} {$500.00} {$540.00} XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} {$18000.00} {$13000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$15000.00} {$28000.00} {$26000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$76.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$990.00} {$750.00} {$990.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$590.00} {$700.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$960.00} XX/XX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Consumer complaint received 2024-09-09
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-29
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. (PA)

I recently reviewed my credit report and noticed an account needing accurate reporting. I have two late payments on an account that I was paid on time. The consumer report agency needs to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ), I am now requesting you investigate this account and update this payment to pay on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XX/XX/year> Formal Complaint against Experian Non Compliance with FCRA Regulations. 
On XX/XX/year> spoke with your fraud Department I was informed that isnt Experian responsible to obtain any information from the Creditors and under FRCA the Creditor are deemed trustworthy. FCRA law clearly not being followed by Experian 1.Section 1681e ( b ) provides : 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. 15 U.S.C. 1681e ( b ).

2.Consumer have a right to send a method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 


3.The Fair Credit Reporting Act ( FCRA ) is a law that protects consumers from inaccurate credit reporting by requiring that consumer reporting agencies ( CRAs ) and furnishers provide accurate information : Consumers file several Methods of Verification for identify theft to XXXX XXXXXXXX no follow up from Experian. Consumer didnt receive any hard evidence or documentation within XXXX. 

Consumer file Method of Verification with Freedom Mortgage no response or documentation submitted within 15 days Consumer file Method of Verification for Flag Star bank no follow up or documentation submitted within 15 days.

Experian has shown complete disregard for law that are assigned to assist the Consumer and protect the Consumer Rights to fair and inaccurate reporting.

Im requesting Experian be held accountable for not following FCRA and Sanction to the full extent of the law. If Consumers cant trust the CRA to report accurate information than that what sense does it make to have law that governs according.

Im requesting the Following Experian deleting all negative from credit reports from the Creditors list in this letter.

I will be contacting an attorney if these issues arent addressed within 15 days of this and seek a lawsuit in court.

CC : Consumer Financial Protection, Federal Trade Commission, State Attorneys over Consumer Affairs Thank you XXXX XXXX
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (OH)

I paid off a loan in XXXX of 2022 and Omni keeps harassing me about a delinquent account. I just XXXX from the XXXX in XXXX of this year and they started harassing shortly after. Ive already disputed with them on this site about the SCRA lawsuit and I feel like this is retaliation by adding a ridiculous amount to an account that was closed.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

I never did business with this company or anyone connected to this company. It appeared on my account. I currently have XXXX. I never had any involvement with this company. This account is a fraud account or used my account without my consent. I will like this account to be removed from all three credit bureaus.
Consumer complaint received 2024-10-22
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (WA)

My money was stolen out of a XXXX atm on XX/XX/year> at XXXX in the amount of {$200.00}. I got the notification someone withdrew my money from my account at a XXXX atm location. I did not make this withdraw. I immediatley went onto my cash app and contacted cash app to put in a dispute for this transaction. They said they would investigate and get back to me. Same day they denied my dispute stating I gave someone my account information to make the withdraw, which I never did. I made another dispute and called the company stating my money was stolen from a XXXX atm and I asked them for the address of the XXXX atm and they denied my question stating they had no record of which specific atm my money was withdrawn from. I made another dispute. I have made XXXX disputes and each one of them have been denied to recieve my money back from being stolen. Again they stated I had given my card information to someone and that was why they denied my claim. Again, I have never given anyone my information for my account. I then found out by going to my local XXXX atm that anyone can use your information at their atms for you do not need a card to withdraw money. I made another dispute with cash app making sure they knew that someone stole my information ( XXXX atms are known to be used by fraudsters ) and I did not give anyone my information to use my account or card. Again they denied it. My card was in my possesion and so was my cell phone. I did not give anyone permission to use my account information and I do not know how the person who withdrew my funds got my information. Nor do i know the location of the atm the person used to steal my money from the XXXX atm. I want my money that was stolen from my account. Cash app did not investigate like they stated in the dispute because if they did they would have looked at the XXXX atm camera and not seen me withdrawing my money. I just want my money that was stolen. {$200.00} for I did not make this withdrawn transaction nor did I authorize anyone to use my information.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

on XX/XX/XXXX, XXXX I ordered a bike from XXXX. On XX/XX/year> I contacted XXXX to inquire as to when my bike would be shipped as I had only received an order confirmation and no timeline for the shipping date. They sent me an email stating that it would be shipped between XXXX XXXXXXXX XXXX XXXX. On XX/XX/year> after not receiving the bike or any type of shipping confirmation I emailed XXXX to request a refund. I was sent an email stating that there would be an 8 % fee for cancelling, which I agreed to. I was told the refund would be credited back to my account in 5-10 days. I never received the refund. 

In XX/XX/year> I initaited a dispute with the credit card I used to purchase the bike, Pay Pal Mastercard/ Sychrony Bank . I was issued a credit on XX/XX/year>. On XX/XX/year> my dispute was denied and the charge for the amount of {$1500.00} was placed back on my credit card. 

As of today I have not received the bike ( XXXX ackowledges it was never shipped ) or the refund.
Consumer complaint received 2024-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC (AZ)

I have 2 second lien loans for my solar project. One is a little over {$40000.00} with Mosaic and the other is about {$20000.00} with Dividend ( XXXX XXXX XXXX ). This complaint is for Mosaic. I submitted the same exact complaint for XXXX XXXX XXXX  ( Dividend ) already. During the process, we spoke at length about how much I could afford for a payment. I wanted to make sure the monthly payment worked for my budget and allowed me to save money by going with solar for my home. Unfortunately, neither company explained that the payment I agreed to doesn't even pay the minimum monthly interest on the loan. Mosaic which is a highly deceptive lender since there should be no option for a borrower to increase the principal amount of your loan every month. They both game me negative amortization loans and I have not paid 1 penny of principal on either loan. 

Honestly, I thought this was illegal so it never occurred to me to make sure I read the details for negative amortization on the loan. The truth is that this loan will never pay off until I massively increase my payment to cover the missing interest and an additional principal payment. I can't believe this is happening to me and I don't know what to do. Both companies said in an uncaring matter-of-fact way, " check the agreement ''. I agreed to the terms of the loan including the very high interest rate, but I didn't understand the negative amortization feature of this loan and they did not make any attempt to let me know that was happening. I figured this out on my own. 

I need this company to stop deceiving the public. They need to make certain that borrowers know making a minimum agreed upon payment means they will not even pay the monthly interest and never pay off the loan. Borrowers for this type of loan will wake up some day once they realize what happened to a massive increase in the principal amount of the loan.
Consumer complaint received 2024-09-27
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Inquiry date : XX/XX/year> PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.