davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/XXXX, I spoke with a collections representative and set up a payment of {$310.00} to be auto debited from my checking account on the next day. This was after I attempted to make a payment online and was given an error. The arranged payment was never taken out and the company proceeded to call and call and call. I answered the call today and when I was informed that my payment had not been made, I inquired as to why not when I made an arrangement. I did not get a complete answer and I was told that I could make a payment today ( XX/XX/24 ) via phone. I had made another attempt to use the website and I was given an error. When I made the payment, I was charged a fee to make a payment by phone. I then requested to speak with someone about my inability to make an online payment. Upon speaking with someone ( XXXX ), I was informed that the site was down. I then asked that I either be reimbursed the {$3.00} fee I was charged to make a phone payment or be able to take it off my next payment. The agent said that it could not be done and if I chose to pay less than my monthly payment ( if I removed the {$3.00} ) then that would be on me. So I asked to speak with a manager and I was only rerouted to another collection agent ( I dont recall the name ), who placed me on hold and came back to tell me he inquired with someone and that the website was indeed not down. So after asking why I was unable to make the payment and if I could speak to a manager because of being given the run around and conflicting responses, the agent said he would transfer me again. At this point, I was frustrated and informed him of the bad business practices and that I would be reporting this company. He then wanted to try to talk to me and I said no, Im done, goodbye.
Consumer complaint received 2024-01-08
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. (GA)

XXXX XXXX  Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing this email to inform you of a distressing situation I find myself in, and to seek immediate assistance in resolving it.

I had a friend who, at one point, seemed to genuinely care for me and was willing to help me when I was going through a difficult period in my life. This friend, along with her older boyfriend who was financially well-off, offered to assist me in getting a car. They proposed a plan where I would have XXXX  cars in my name, with the understanding that I would not be responsible for any payments or insurance for one year. I agreed to this
arrangement, believing it to be a much-needed opportunity to improve my circumstances.

However, after some time, my connection with this friend deteriorated, and she abruptly cut off all communication with me. As a result, I am now in a precarious situation where both cars are in their possession, but I am being held accountable for tolls and facing the consequences of their actions.
Furthermore, one of the cars was involved in an accident, leading to additional complications for me.

I have reached out to report the cars as stolen, but I am struggling with the repercussions of this situation, including a suspended license and the impending repossession of the vehicles. I am now in debt and urgently require assistance to rectify this unfortunate turn of events.

I realize now that I have been taken advantage of, and I am in desperate need of guidance and support to navigate through this challenging time. Any help or advice you can offer would be greatly appreciated as I work towards finding a resolution to this distressing situation.

Thank you for your attention and understanding. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/2000 XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have already reported to Experian that some of my personal information is incorrect. If you would kindly delete this inaccurate information from my credit profile within the next 15 days, I would greatly appreciate it. I have listed the details of my personal information once again, which you are inaccurately reporting and must remove immediately. Please see below : - Name : XXXX XXXX. I do NOT have any other names or aliases, and I do NOT want any other names or aliases to be retained or reported. 
- Address : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any other current addresses, and I do NOT want any other addresses to be retained or reported. You are infringing on my consumer rights. 
- Social Security Number : You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my Social Security Number on my credit report poses a safety issue and exposes me to potential identity theft. I have already informed you about this issue, and it still remains inaccurate. 
- Date of Birth : XX/XX/1988. I do NOT have any other dates of birth, and I do NOT want any other dates of birth to be retained or reported. 
- Contact Information : My cell phone number is XXXX, and my residential number is XXXX. My employer is XXXX XXXX XXXX 
- Spouses, Roommates, and Co-applicants : I do NOT have any spouses, roommates, or co-applicants, and I do NOT want any spouses, roommates, or co-applicants to be retained or reported. If there are any, please delete them immediately or provide proof of your legitimate authority to retain or report without infringing on my consumer rights. 

Once you have removed the inaccurate information, I would like my fully completed and corrected credit report, reflecting these changes, to be mailed to XXXX XXXX. Due to these clear violations of 15 USC 1611, USC 1681n, and USC 1640, I need to be compensated {$6000.00} for each violation.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 

XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

The incorrect status of your credit reporting agency records is unacceptable and is impeding my ability to secure necessary financing. In accordance with Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence related to my account : 1 ) A summary of all account activities, including payments made, late charges, interest, dates of payments received and posted, as well as charges made and dates of charges posted.

2 ) Copies of all documents and financial instruments utilized for the disputed late payments.

3 ) Copies of all charge slips, invoices, promissory notes, and any other documents verifying the existence of debt.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and update ALL TO PAID ON TIME or remove them from my credit report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.
Consumer complaint received 2024-04-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-01-08
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'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 2018-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (MO)

Im am unable to withdraw money from my account. In order to withdraw funds they require a photo of me holding my ID and a sign. I have sent in multiple versions and they keep denying it. This is an absurd way to verify and then do not offer alternatives to verify, they wont even speak to me on the phone. I cant withdraw my funds!
Consumer complaint received 2024-01-08
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2024-07-23
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In XXXXXXXX XXXX XXXX My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been severalfraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, and Idont know what elese. I have fi led a police report as well. I would like for all of these items to be deleted from my credit profile. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2024-01-08
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 


Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. 

Thank you for your swift attention to this matter.
Consumer complaint received 2024-01-08
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: NAVY FEDERAL CREDIT UNION (TX)

I recently discovered that NAVY FCU has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the XXXX XXXX XXXX XXXX, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. NAVY FCU has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

NAVY FCU has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By XXXX XXXX IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 

Furthermore, I have not received a Form XXXX from NAVY FCU XXXX which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines XXXX This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Consumer complaint received 2024-01-08
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. (NY)

I DID NOT SIGN A CONTRACT WITH EXPERIAN TO FURNISH THIS ON MY CONSUMER REPORT. EXPERIAN VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE of consumer reports, THE LAW CLEARLY STATES that : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you, Experian written instructions to furnish this on my credit report? 

I never gave Experian any written or verbal consent to report anything on my consumer report. THIS DISPUTE IS COMING DIRECTLY FROM MEEE!!!! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as the transactions or experiences between the consumer and the person making the report ; I AM DEMANDNG EXPERIAN TO DELETE/REMOVE THE FOLLOWNG ACCOUNTS LISTED BELOW FROM MY CONSUMER REPORT. 

1. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number XXXX XXXX As a consumer by law this account must be deleted immediately 2. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-08
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. (MN)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-08
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. (NY)

I have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX