davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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)

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) Experian, XXXX, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/year>, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to CRAs.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX XXXX 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (TX)

I purchased a home in XX/XX/XXXX, and I wanted solar panels. At that time ( XXXX  ) I began working with XXXX XXXX who was going to install the solar panels. They said they have a finance company that can finance the project. I agreed to the financing. However, as of today, I do not have solar panels and the project has been canceled. I canceled it ( XX/XX/XXXXXXXX  ) due to the lack of communication and no installation date. It is now over a year and I am still trying ( since XX/XX/XXXX ) to get the loan out of my name. XXXX canceled the project as requested and now Mosaic is requesting payment on the loan and I have no product. They keep telling me that they need to get permission from XXXX to cancel the loan. No one is talking to each other and no one is listening to me. Neither one will communicate any of the information via email or in the form of a written letter. As if they don't want to admit that the project has not and will not go forward. Mosaic states that XXXX says the project is still moving forward but when I login to the customer portal for XXXX it says the project is canceled.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IN)

Fortiva credit card started charging me a maintenance fee without my knowledge. It wasn't in the annual fee or anything not sure when it was even snuck into my billing. I paid the credit card off over a month ago and I get a statement today saying that I have to pay them a maintenance fee!! For what there is no balance! I then told them I will be cancelling the card because I will not pay for something I'm not using! Which in turn will hurt my credit because of cancelling the card.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am writing to file a formal complaint against Resurgent Capital Service regarding their violation of my consumer rights as outlined in various provisions of the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Despite repeated attempts to resolve this matter directly with Resurgent Capital Service, they have failed to address my concerns and have continued to engage in practices that are in clear violation of federal consumer protection laws. 

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Resurgent Capital Service is required to provide validation information upon request. However, despite my request for validation information, they have failed to provide any such documentation. Despite this, they have placed a collection on my credit report, which has adversely affected my credit standing. 

Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute any inaccuracies in the information provided by a collection agency. However, I have not been given a chance to dispute the collection placed on my credit report by Resurgent Capital Service. 

Use of False and Misleading Representation : Resurgent Capital Service has engaged in false, misleading, and deceptive practices in their attempts to collect a debt from me. These practices include but are not limited to providing inaccurate information and misrepresenting their authority to collect the debt. 

Failure to Provide Required Disclosures : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Resurgent Capital Service is required to provide certain disclosures before furnishing any account to a consumer reporting agency. However, they have failed to provide these disclosures, thereby violating federal law. 

I am deeply concerned about the impact of Resurgent Capital Service 's actions on my financial well-being and credit standing. Their failure to comply with federal consumer protection laws has caused undue stress and inconvenience. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Resurgent Capital Service for its violations of consumer rights. Additionally, I urge the bureau to ensure that Resurgent Capital Service takes corrective measures to rectify the harm caused to me and to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-04-18
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I reported a fraud claim to Chase Bank on XXXX charges, XXXX for the amount of {$520.00} at XXXX XXXX. The XXXX called me and rudely insinuated I had benefited from the charge and that my statements were inconsistent, even though when I followed up with XXXX XXXX to find out more details, the investigator had key details wrong like that the person had used the card in-person -- they had, in fact, used my information online and picked up the order through curbside carryout. I reported the incident to my local police department so that XXXX XXXX can obtain security footage to verify the fraud claim.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (IL)

World Finance Corporation continues to allege I owe a debt that I do not. The debt has been canceled and reported to the IRS as income. Since this is now income it can not be reported to the credit bureaus. World Finance Corporation is engaged in securities fraud per their sec filing their transfer agent is XXXX which transferred my security deposited it for profits and World Finance Corporation failed to disclose the contract is the security that is being used to trade for profits. According to their sec filing submitted to the SEC the debt incurred by consumers are backed by insurance in case of default so World Finance Corporation never incurs a loss. I have attached their 10-K form that outlines their security and business practices.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

- XXXX XXXX XXXX I opened the XXXX XXXX XXXX XXXX after an offer was presented while purchasing a ticket on XXXX XXXX. 
- The AMEX credit card offered {$300.00} statement credit after spending {$1000.00} in the first 60 days. - - I was instantly approved and I applied the card to purchase the airline ticket. 
- The requirements needed for the {$300.00} bonus were met. 
- XXXX XXXX, I checked for the bonus and the representative stated the waiting period of 60 days. 
- Today, XX/XX/XXXX, I contacted AMEX customer representative via chat on the mobile application ( copy of screenshot is available ). He stated that the offer is declined. When asked why, he stated There is no specific reason. 
- I also inquired about interest charges of {$12.00}. I paid my statement balance in full. The representative answered I can see you paid in full, but the system wont let me refund it - When asked if he can fix the system, seek help from a supervisor, he stated that a supervisor would state the same. Its the system that wont let him fix it.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion, XXXX, XXXX continues to incorrectly report the accounts listed as XXXX XXXX  XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-03-11
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: EQUIFAX, INC. (IL)

XXXX, XXXX, Equifax continues to incorrectly report the accounts listed as WORLD FIN, XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Consumer complaint received 2023-08-08
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 is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-04-23
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: VEROS CREDIT, LLC. (CA)

I bought a truck XXXX, the truck was having lots of issues, it was sold to me as a clean title but the truck was a Lemon, I tried contacting the dealership yet I got no response, spoke to the creditor to return the vehicle, and I did, they marked it as a repossession, they sold the vehicle at auction as a clean title, and I never got any information, I found out about everything till I checked my credit report and there was a charge off and a closed account, I tried contacting the company and filed a complaint with the XXXX XXXX XXXX, their response was just false allegations including a response letter referring to me with a different name, I responded to that stating that all of the information was false, including the name on the letter therefore they lost credibility with their records, their response was just that it was a typo, being a professional company I find it unethical, they didnt not resolve the issue in any way, all they say is that I dont have any new information and I dont because I never received anything I believe they are doing fraud, their reviews on XXXX  are all the same they have done the same to many people, my account was closed and charged off in XXXX and they have updated the balance on the account since I have made these complaints, I see this as retaliation all I ask is for them to remove this charge off off of my credit report and the response I get is them just wanting money, and false allegations.
Consumer complaint received 2023-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION (AL)

I received record of late payment in XXXX, along with several harassing phone calls, after checking our bank records we confirmed that we had never been late and in fact had been forced to pay future payments. Ive filed XXXX claims so far and explained to WSFS bank reps that the payments have never been late. The reps acknowledge this but say they will have someone call me back. They have never reached out to try to resolve this and my credit has been impacted by over XXXX points, which inhibits new credit with other creditors.
Consumer complaint received 2024-04-18
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. (LA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the company related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 

I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 
The following accounts in question are : XXXX XXXX XXXX and payments. XXXX XXXX  XXXX.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MN)

Received a {$900.00} email offer from Chase to open a new checking and savings account with the bank. 

{$300.00} of this offer was to open the checking account and set up direct deposit. Another {$200.00} was to open the savings account and deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. An additional {$400.00} would be provided if both of the above requirements were met. 

After opening both the checking and savings account on XX/XX/year>, {$1500.00} was deposited into the checking account and {$15000.00} was deposited into the savings account on XX/XX/year>. On XX/XX/year>, a direct deposit was made into the checking account, and the requirement for the initial {$300.00} offer was met. However, I noticed that this {$300.00} amount was not honored by Chase, so I called the company and inquired as to why the bonus was not applied. I was informed that a {$900.00} offer coupon was never applied to my account, even though I clicked on a portion of the email offer that stated, Coupon code applied when you click [ the ] Open both accounts button. Since then ( XX/XX/year> ) I have had my issue escalated several times within Chases customer service, marketing, and coupon team to no resolve. I especially worry that I Chase is not going to honor the {$200.00} and {$400.00} bonuses for the {$150000.00} I have had sitting in the new savings account for over a month, when that money could be yielding much more in a high yield savings account or CD.