davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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)

I was in a car accident and the vehicle from XXXX was deemed as a total loss. After I surrendered the vehicle to XXXX XXXX I did not receive any information regarding once the vehicle was resold, what was the remaining balance. I also attempted to send in a certificated security to take care of the remaining balance. Stated in their XXXX reports, they use our contracts/applications and sell them as asset-back securities. I have attempted to discharge the debt after my hardship and have not received my security back nor have I been contacted with up to date information on the vehicle. 

The XXXX XXXX XXXX XXXX XXXX now owns all debt belonging to XXXX XXXX. Per XXXX XXXX, any information and property belonging to XXXX XXXX, is liened is at {>= $1,000,000}, XXXX XXXX dollars. ( First in line, first in time ) I also rescind my contract from all security interest in said contract. 
15 USC 6802-6805 Obligations with respect to disclosures of personal information 16 CFR 313.7 Form of opt out to consumers 15 USC 1681 Congressional findings and statement of purpose 16 CFR 433.1 Definitions ( Debt collection practices ) 17 CFR 230.424 Filing of Prospectuses, number of copies 15 USC 1681 ( b ) Permissible purposes of consumer reports 5 USC 522 ( a ) Records maintained on individuals
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-28
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. (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college  studies with a full-time job has added the role of a full-time XXXX  manager to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Payment never late. The amount paid was incorrect by a few dollars, because of an error when paying. I was out of town and my wife made the payment ; she accidentally made the payment for a nominal amount lower than what was due. 
When the error was discovered, it was corrected immediately. Never late before or since. 
GAAP and SEC rules state that Capital One can correct this, just as I did upon learning the amount was wrong, and update my credit report to say never late.
Consumer complaint received 2024-01-28
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: SYNCHRONY FINANCIAL (OR)

in XX/XX/year> i won a bid on XXXX for a XXXX genuine gold bar, after testing it, XXXX said return it [ all documented ] and seller receieved it, XXXX refused to correspond, so i contacted pay pal, the credit card thru syncrony bank, .they said they sided w seller, go talk to syncrony bank XXXX back XXXX forth it went blaming each other .unresolved..pay pal clearly states full refund if not satisfied. this has not happened .i am a senior with cognitive impairments XXXX  XXXX they have defrauded me XXXX will not respond further but to contnue to send bills for XXXX even tho iv disputed this 5x.i have entire documentation from XXXX site they can NOT justify a XXXX credit as a refund on a XXXX returned item, this is full blown ludicricy, comtemt, ignorance, malice with the intent to commit fraud on a senior XXXX does not represent a refund for a XXXX item that XXXX allowed a fraud to occure .and why m i just now doing this is due to my ADA qualifying conditions of intractable chronic XXXX, limititing my daily life and my cognitive impairments XXXX  XXXX. but not limited to other issues in my life.Syncrony bank has every document faxed to them but are cluless they are wrong, in their ignorant determination
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I sent NOTICE to Experian on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX, Experian received NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX AM XXXX, TX, and NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX AM XXXX, TX Distribution Center Out for Delivery still in transit ( View details on USPS ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Experian response did not remove the information as required by the FACT Act and sent a reply stating that Experian verified the account to be valid. I at no time gave Experian any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying XXXX same requirements of XXXX XXXX. See attached documents I sent NOTICE to Experian on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Experian received NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, TX, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, TX Distribution Center Out for Delivery still in transit ( View details on USPS ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) 2003 that Credit reports for Child Support, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Experian response did not remove the information as required by the FACT Act and sent a reply stating that Experian verified the account to be valid. I at no time gave Experian any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents, I have attached a letter from Child Support company office stating child support is by no means ANY SORT OF LOAN
Consumer complaint received 2024-04-11
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. (FL)

I am writing to dispute the inclusion of certain transactions in my consumer report, as governed by the rules of construction exclusions outlined in 15 USC 1681A. According to this statute, transactions are explicitly excluded from the definition of consumer report. Upon reviewing my report I have noticed transactions have been inaccurately included in the report, which is in direct violation of aforementioned law. I noticed that the transactions was erroneously included, which has adversely affected my credit standing.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Per XXXX ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in XXXX, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.
Consumer complaint received 2024-04-11
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)

This is my second time writing them to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX with new & updated information about my recent complaint XXXX. Upon discovery after reviewing Equifax re-investigation results I see that the information they used to conduct their investigation was factual information obtained directly from a creditor which can not be used pursuant to 15 USC 1681a ( e ).
Consumer complaint received 2024-04-11
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. (MO)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees
Consumer complaint received 2024-02-02
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 understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 
The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (NJ)

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

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
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX  for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it XXXX  years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NC)

I have received a copy of my credit report and it shows company LVNV FUNDING LLC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-08-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (GA)

Transfinancial is open on credit report for {$5900.00}. I called Transfinanacial to check balance on account, I was told my account was open and theres no balance. They stated that they wasnt reporting the account. I called XXXXXXXX XXXX, I was told the same as well. I can not get another property in my name due to this reporting being inaccurate. The communication with both parties happened in XX/XX/2023.
Consumer complaint received 2024-01-27
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. (OH)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  XXXX Balance : {$34.00}.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Consumer complaint received 2023-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

After notification of a collection debt on my records, I sent a debt validation Letter to Transworld Sys Inc I sent this letter through mail and they received it on XX/XX/. It has been over 30 days and they have failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.