davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.
Consumer complaint received 2024-07-10
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. (CA)

I am writing to bring to your attention an issue with my credit report. Upon reviewing my recent credit report, I noticed that my auto loan is not being reported on my files with your bureau, ( XXXX, Equifax, XXXX ). 

Details of the auto loan are as follows : Lender XXXX XXXX XXXX, XXXX Loan Account Number : XXXX Loan Amount : {$45000.00} Date of Loan : XX/XX/year> Date Paid in Full : XX/XX/year> I have attached documents from the lender that provide proof of the auto loan and confirm that it has been paid in full. These documents include the loan agreement and a letter from the lender confirming the final payment. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The absence of this auto loan from my credit report is a matter of concern as it does not accurately reflect my credit history and XXXX affect my creditworthiness. Under the FCRA, I have the right to dispute incomplete or inaccurate information in my credit report, and you are required to investigate my dispute within 30 days of receipt. 

I kindly request that you update my credit report to include the details of this auto loan. Please confirm receipt of this letter and the supporting documents, and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  is reporting to Experian that I still owe a debt for a car XXXX financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.
Consumer complaint received 2019-06-24
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: Real Time Group, Inc. (NY)

I previously submitted the following complaint : I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's  reporting from XXXX. However, RTR continues to report the loan to XXXX  who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions.

As noted in the complaint, I do not have a dispute with XXXX. RTR has for the second time responded that they believe they are reporting this properly, but once again fail to submit any documentation or other basis for their belief. When the loan was transferred to RTR the loan was properly listed as a charge off by XXXX. ( I HAVE NO COMPLAINT AGAINST SLS FOR THIS, and RTR 's ATTEMPT TO INCLUDE THAT IN THEIR RESPONSE IS TO MERELY SHIFT THE FOCUS AWAY FROM THEIR ACTIONS.

RTR is well aware that this loan was a charge off prior to their obtaining the service rights for this loan. That charge off was reported for more than 6 years. RTR did not start reporting this loan for many month after the acquisition, and their reporting of an old derogatory item that is ready to be removed from my credit history is patently unfair. THIS IS NOT THE FAULT OF XXXX, THIS IS SOLELY DUE TO THE ACTIONS OF RTR AND THEY MUST STOP THE REPORTING IMMEDIATELY. 

Thank you for you attention in this matter.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

I contacted National Credit Systems with both bureau disputes and a direct furnisher letter. NCS validated the bureau disputes, but never responded to my direct furnisher letter asking for itemized breakdown of all charges that amount to {$4400.00} reported on my credit. 

I also mailed a letter to apartment owner, no answer.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
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)

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 120 days late in XX/XX/XXXX, after you reported that it was in collection XX/XX/XXXX? You are also reporting 120 days late XXXX XXXX XXXX which is not possible. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. XXXX has deleted this account. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus.
Consumer complaint received 2023-07-05
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX
Consumer complaint received 2024-05-21
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from XXXX XXXX XXXX. They pulled my credit twice on Trans Union resulting in two credit inquiries. I only authorized one inquiry for the one account. Trans Union needs a letter from XXXX XXXX XXXX stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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Consumer complaint received 2019-06-24
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: CL Holdings LLC (KS)

XX/XX/2016 jefferson capitol for XXXX XXXX. {$300.00}. I applied for service on their website but was denied, and now they are treating me like I had service and didn't pay my bill. This was so long ago I have no supporting documents.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (PA)

XXXX XXXX XXXX I voluntary repossession to this creditor resulted in the car being sold far below market value the value I owed with interest is about {$12000.00} they sold the car at auction for {$800.00} they had my new address failed to inform me of any details or options
Consumer complaint received 2024-07-10
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. (CA)

I filed a complaint with equifax saying my identity had been stolen and loans and credit cards opened in my name before I turned XXXX and they removed them but now a loan is showing as closed on mh credit report, it was opened in XXXX but I was XXXX in XXXX  so this is not my loan and they removed it but now its showing as late payments and being charged off and lowered my credit score by XXXX points
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

** Screenshots of my account plus the 2 payment confirmation emails have been attached to.this complaint** Facts of complaint : Due date was XX/XX/XXXX with 10 day grace period which wouldnhave made rhe payment late as of XX/XX/XXXX. 
Payments were made on XXXX ( XXXX and XXXX ) for an amount greater than what was due. Customer service was contacted n i was assured ( per Conf # XXXX ) that the below would be waived However, I was charged a late fee of {$21.00} prior to the grace period closing as this bank highlighted in my retail contract that I signed with them. Also, I dont think there is an internal non disclosed citizens bank policy to violate terms of the contract and charge late fees where they shouldnt be charged due to their payment system takes 2 business days to process a payment and doesnt backdate payments to reflect the actual date they were made thereby making their inability to process payments making it appear the consumer is negligent. No bank nor cc company outside of here has this issue.
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

THEY CLOSED MY ACCOUNT AFTER I CALLED IN TO ENQUIRE ABOUT CREDIT PROTECTION, THAT PAYS PAYMENTS WHEN YOUR OUT OF WORK OR ON XXXX. I DID NOT AGREE TO A PAYMENT PLAN PROGRAM THAT CLOSES YOUR ACCOUNT WITH REDUCED PAYMENTS. I HAD AVAILABLE CREDIT AT THE TIME, SO THEIR WOULD BE NO REASON I WOULD REQUEST THE ACCOUNT TO BE CLOSED. PLEASE HAVE THEM RE-OPEN MY ACCOUNT, FOR THEY HAVE NOT BEEN ABLE TO PRODUCE ANY SIGNED PAPERWORK NOR THE ACTUAL RECORDED CALL. THEY HAVE CALL CENTERS OUT OF XXXX, AND THIS IS WHAT HAPPENS WHEN THERE IS A XXXX XXXX AND THEY DONT UNDERSTAND ALL THE FACTS. THE REP DIDNT DO THEIR DUE DILIGENCE.
Consumer complaint received 2024-07-10
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. (GA)

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> NCCINC/NISSAN OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> GLOBAL LENDING SERVICE XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-21
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. (CA)

The account of XXXX XXXX  XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.
Consumer complaint received 2023-07-05
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. (NY)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-24
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. (MS)

I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have had a Coinbase account for over 2 years now, I transferred bitcoins to a XXXX XXXX I had created at the beginning of the account, now I want to withdraw them but I keep being asked about a secondary e-mail that I obviously dont remember, Im trying to contact the company support for more than 3 weeks with not a single reply from them. I searched online and this is a common problem so I dont understand the delay.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (OH)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 


These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-05-21
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. (TX)

I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.