davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX LVNV Funding LLC RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. The listed account is also not XXXX  compliant.

Account ( s ) in question include : Account name : LVNV Funding Account number : XXXX I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to and documentation displaying full account numbers as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Additionally, it is my understanding that this debt was written off and filed as a loss on the original creditor 's business taxes. Therefore, the new classification for this debt is now reported as income by the original creditor. By law, income can not be reported on a consumer 's credit report. For this and other fraudulent reasons, I am strongly requesting deletion of this invalid, erroneous and fraudulent account. This is not a request for an investigation. Please delete. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

I looked on my credit report and seen this company i never even hear of on my report and requested a DEBT VALIDATION!!!!! these are the documentations I need. 
validation of the debt complies with the following stipulations. 
1. Documentary and evidentiary proof to claimant. 
2.in according with the fair debt Collection Practices Act ( 15 USC 1692 et seq ) provide Verification of the debt. as being true and correct, and authentic, sworn by oath or affirmation with wet -ink signature signed under the penalty of perjury or provide a copy of a judgment, sworn by wet ink signature signed under penalty of perjury that the forgoing is true and accurate copy of the original recorded with appropriate public and government offices against climate. 
3.produces all relative commercial instruments, including but not limited to applications, assigns, agreements. and /or contracts which contain exchange of benefit9s0 or contain the verified signature of claimant.

4.provides, verified copies of assigns, negotiations securities and /retransfers of rights, tittles ( s ) and /or interest ( s ) and the like, sworn by wet ink signature signed under the penalty of perjury that the foregoing copies is true correct, and not misleading which unambiguously delineates that NELNET is the current owner, assignee, holder, holder in due course and /or entitlement holder of the alleged debt including all supporting documentary evidence as proof.

5.produce all relative commercial instruments and/or notices, declarations, publications which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights . duties, obligations, liabilities cost, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a charged off account reporting to all thr CRA with eith no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.
Consumer complaint received 2023-05-17
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. (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 under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-07-17
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. (MO)

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 use 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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the bankruptcy information listed on my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). According to my credit report, there is an entry related to a bankruptcy that I believe to be incorrect. 

Please investigate the following bankruptcy information and remove or correct any inaccuracies : Bankruptcy Case Number : XXXX Filing Date : XX/XX/year> Court Location : XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and sharing credit information, I am requesting that you : Verify the bankruptcy information : Conduct a thorough investigation to verify the accuracy of the bankruptcy information listed on my credit report. 

Provide documentation : Provide me with copies of all documentation and records used to verify the bankruptcy information. 

Remove or correct inaccuracies : If the investigation reveals that the information is inaccurate or can not be verified, please remove or correct the bankruptcy entry from my credit report.
Consumer complaint received 2024-10-17
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: ALLY FINANCIAL INC. (NV)

Dear Consumer Financial Protection Bureau, This is a follow-up to my previous complaint regarding the fraudulent Ally Everyday Cash Back account ending in XXXX. Ally Bank 's response failed to address the specific details of my situation and the evidence I provided. I am requesting further investigation, as Ally Banks continued reporting of this account is causing harm to my credit and does not reflect the facts. 


-- - 1. Failure to Conduct a Thorough Investigation Ally Banks response appears to have been generic and did not consider the details surrounding the account in question. Despite the documentation I provided showing that I was incapacitated during the relevant period, Ally Banks investigation seems to have relied primarily on automated processes and basic identity verification, which does not adequately address the nuances of this case. 


-- - 2. Contradictory Findings from XXXX XXXX XXXX After Ally Bank sold the account to XXXX XXXX XXXX on XX/XX/2022, XXXX conducted an independent investigation and determined that the account was fraudulent. XXXX subsequently deleted the account. Despite this, Ally Bank continues to report the account as valid, creating a clear contradiction between the two entities findings.

-- - 3. Inadequate Explanation of Payment and Account Activity Ally Banks response referenced a payment of {$27.00} on XX/XX/2022, but no further investigation into the nature of this payment has been provided. The existence of such a payment does not necessarily validate the account, especially given the circumstances around the fraudulent activity. Without clear documentation, this payment only raises further questions about the unauthorized use of the account.

-- - 4. Initial Concerns Over Re-Aging Initially, I suspected this account might have been one of my XXXX accounts that had been re-aged. However, it has since become clear that this account was opened XXXX  and was the result of fraud. Therefore, the account should not be reported at all.
Consumer complaint received 2023-04-22
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. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MDXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2900.00}
Consumer complaint received 2024-10-14
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: ALLY FINANCIAL INC. (NC)

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved. The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report. If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OPORTUN FINANCIAL CORPORATION (TX)

I am submitting this complaint against Oportun for their unethical and unlawful practices. Not only is this company reporting inaccurate payment information on my credit report, Oportun 's business registration in Texas is currently inactive, and their right to conduct business has been forfeited. As such, they lack the legal authority to report debts to credit bureaus. Additionally, I have received no correspondence from them verifying this information. This makes their claim hearsay, further indicating unethical practices. Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies. Please see the attached XXXX XXXX and consider this complaint grounds to remedy your unlawful business procedures before I take legal action.
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. (SC)

My name is XXXX 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.
Consumer complaint received 2023-05-17
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. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

These are the accounts and their account numbers : 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. 

Account name- XXXX XXXX XXXX XXXX  Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN and XXXX REFUSE TO DELETE INQUIRIES, XXXX XXXX CAR LOAN, THAT I NEVER SIGNED FOR. THAT IS ON A JOINTED ACCOUNT. IN ADDITION THERE ARE FRAUDULENT ADDRESSES THAT DO NOT BELONG TO ME THAT ARE NOT VERIFIED THAT NEED TO BE DELETE ASAP
Consumer complaint received 2023-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

I have sent in numerous of dispute with this company showing them the form they filled out when I contacted them stating I owed XXXX balance and they would re rent to me also it states no late payments where ever made, I have sent the form in numerous times of time stating I contacted them to make payment an assistant manager stated there is no balance owed, This account has stopped me from getting into different rentals and its only showing up on only two of my credit reports and doesn't match the information I received on form. Also, I never received any documents stating what this is for or anything I was just hit with on my credit report.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act Capital One has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish an 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 any purpose
Consumer complaint received 2024-10-28
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: GOLDMAN SACHS BANK USA (WA)

I purchased a flight from XXXX to XXXX on XX/XX/year>, with XXXX XXXX, using my Apple Card ( XXXX XXXX ). XXXX XXXX canceled my ticket on XX/XX/year>, but never issued a refund. 

Since then, Ive attempted five separate times to file a dispute through Apple Card, each time providing all requested evidence to support my claim. To my disbelief, my dispute has been rejected every single time. Whenever I speak with Apple Card customer care, they acknowledge that I am owed a refund, yet within weeks, the charges are re-applied to my account. 

This process has been incredibly disappointing. I have tried reaching out to XXXX XXXX, but their phone lines are either unresponsive or non-functional, making it impossible to contact them for support. I expected Apple, as a trusted company, to assist me in resolving this matter, but I feel abandoned after multiple failed attempts to retrieve my money.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Credit reporting agencies transunion, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....