davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2024-07-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-19
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and Navy Federal Credit Union. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: North State Acceptance, LLC (VA)

I recently reached out to North State Acceptance to cancel both my Gap Insurance and Service Contract as I wanted to pay off my vehicle, a XXXX XXXX XXXX. I spoke with a Few different people at this location concerning the cancellation of the GAP and Service Contract as well as receiving the payoff for the vehicle. I was told on XXXX separate occasions that the payoff amount was {$7400.00} and that the amount was good until XX/XX/XXXX. 
I submitted a cashiers check for the amount and it was delivered to ther po box , the billing address that I found on their website on XX/XX/XXXX. 
I received a phone call from XXXX of the ladies at your office on XX/XX/XXXX and was told that the check that I had mailed wasnt enough to cover the amount owed. She said that the mail wasnt checked until XX/XX/XXXX and went further to state that the number that was provided by the company ( on XXXX different occasions as we wrote the same number down XXXX  ) wasnt the amount that I was provided. 
She also said that she was holding the certified check, drawn from my bank and wasnt sure what she wanted me to do with the payment but then also later said that if the account wasnt paid that it would go into repo status soon as she had the {$7400.00} check in her possession. 
The check for {$7400.00} is in fact the number that was provided to me on XXXX separate occasions, spanning XXXX different days. I asked her numerous times how she came up with the number that she was saying that I owed, and never got a straight answer. I speculate a few different ways in which she came up with the number that she said, and since she couldnt or wouldnt tell me. 
I purchased the automobile in XXXX of XXXX, under the contract it states for a term of XXXX  months, BEGINNING in XXXX. They even mailed a coupon printout payment book. They received on XX/XX/XXXX the payment that was due on XX/XX/XXXX. I was also charged interest on a cancelled gap and extended warranty that I cancelled within the free look period.. 
I also am aware how the Rule of XXXX works in financing as well, and having an understanding of this practice - the numbers don't equate to what I was charged, given the contract, removal of optional insurance, payment begin date, etc. 
Looking at my credit report, I purchased the car on XX/XX/XXXX, - I made a {$3000.00} down payment and their reporting I had come due a payment of {$340.00}
Consumer complaint received 2024-05-17
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE. I noticed on my Experian credit report this week that you ( experian ) have reported a charge off, which is that has been XXXX and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a XXXX so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form XXXX, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP and legal board doesn't want to go to court over this. Companies violating any of the XXXX codes in the FCRA are entitled to actual damages and monetary compensation. The accounts that are Charged off and hindering my financial health are listed, XXXX XXXXXXXX XXXX XXXX I sent you Certified mail That XXXX XXXX  could not validate the debt they say I owed them here is the tracking number XXXX. Since your company or the company mentioned above can not validate this CHARGE OFF I want it removed from my credit report. Once again you are committing XXXX fraud and should take this matter seriously.
Consumer complaint received 2023-09-15
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. (NY)

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

This loan is a deferred interest loan that is reporting my balance incorrectly. It is not reflecting my payoff balance it is reporting my balance with deferred interest. This is negatively impacting my credit score and has been since we took out the loan. The original amount was {$13000.00} and our balance is {$8500.00}. However, the financial institution is reporting {$12000.00} as they are including deferred interest. Deferred interest is due only if I do not pay off by the time of the promotion period ending on XX/XX/year>. I am requesting they change their reporting practice to report the actual balance due during the promotion period.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-25
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. (MS)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX
Consumer complaint received 2023-10-25
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent the credit agencies a document to support there investigation results FORWHICH I HAVNT GOT A RESPONSE ITS BEEN LONGER THAN 30 DAYS I WAS concern about the validity of there investigation on all the accounts on my credit report that they said came back verified I requested for them to explain to me how there investigation was conducted and provide me complete copy of all information that was transmitted as part of there investigation and what did it cost them to obtain the documents and who did they speak to directly that was reporting the accuracy of accounts please provide any certified documents and ask them to provide any documents of communication and who they spoken with, the dates and times also I requested a notarized affidavit confirmation provided is true and correct as per my civil rights under federal laws
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am victim of Identity Theft and inaccurate and incomplete information being reported by TRANSUNION. After reviewing my credit report, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from TRANSUNION credit report. XXXX XXXX XXXX XXXX also reported this same XXXX account XXXX and it was deleted from my TRANSUNION credit report. XXXX XXXX XXXX is in violation of 12 CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt.
Consumer complaint received 2024-05-17
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-17
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. (NY)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grow Credit Inc (MO)

Cease and Desist Communication Regarding Collections/Charge off Account Grow Credit Inc- XXXX XXXX am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2024-05-19
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. (PA)

Equifax illegally reinserted XXXX XXXX XXXX  XXXX on my credit report after I submitted my dispute via CFPB # XXXX on XX/XX/year> and received the results via CFPB portal on XX/XX/year>. ( See Screenshots ) I initially disputed this account because my privacy rights were violated. FCRA Section 602 states I have a right to privacy.FCRA Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish information without written instructions from the consumer.

Equifax is in violation of the FCRA because the agency did not follow reasonable procedures when they illegally reinserted this information that should not have been reporting in the first place.

At this time my rights as a federally protected consumer have been violated further due to the reinsertion of this account. Remove XXXX XXXX XXXX  from my credit report again or I will seek legal advice.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-25
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: GOLDMAN SACHS BANK USA (VA)

I was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX  ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX  a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX  and reported for duty on XXXX XX/XX/XXXXXXXX  ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX  On the same day of XX/XX/XXXXXXXX  I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MedPlan Credit, LLC (IL)

I sent extra payments in an effort to pay the loan off early. The payments were not consistently processed in a timely fashion. The interest/principal allocation does not appear to be consistent with the loan agreement. I have asked for my account to be reviewed to ensure proper allocation of ALL of my payments. On or around XX/XX/2023, my credit card was no longer being charged the monthly payment. I have been receiving paper payment requests via USPS even though the loan agreement REQUIRED automatic payments. I even received at least one telephone call attempting to collect on the debt. Dates for phone calls include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The call attempting to collect on the debt was on XX/XX/XXXX XXXX XXXX When I asked for the account review, there was a third party contractor working for Medplan Credit I was speaking with. I was told that my concerns would be forwarded to senior management and I could expect a call. I received no such call. There was even one month when the payment was refunded to my credit card for some unknown reason.