davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # XXXX ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I reached out to the original creditors as well as the debt collectors to verify the dates and the debt was never verified. Therefore, I would like to have this agency removed from my credit report immediately. I also reached out to all three bureaus and there was no resolution.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX  Inaccurate inquiries that I did not authorize.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

AidVantage keeps reversing my payments without any notification or explanation. Several attempts were made this month with no progress, on XX/XX/XXXX, XXXX, and XXXX. All three times it said the payment was accepted but since there was never any change to the amount in my bank account, I checked the repayment website and found the status had changed from " accepted '' to " payment reversal ''. Again, no notification whatsoever. AidVantage also does not seem to accept requests for autopayments, and I could not reach anyone via phone call about this. This is not helping my credit score at all, and I know I am not alone in having this issue with the lender.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

I received a letter from an alleged credit reporting company that I have never heard of that says it is getting information from the well known credit reporting agencies and is soliciting information from me. 

The alleged company is Innovis and when I called I spoke with someone in the XXXX that requested additional information from me in order to provide me with their " report. '' I have two credit cards and one car loan. My credit reports accounts are frozen with all the well known reporting agencies. 

The phone # is XXXX The company address is per their letter to me : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-03-13
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: OPORTUN FINANCIAL CORPORATION (SC)

Path Forward/ XXXX showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my XXXX XXXX.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (OH)

This account doesn't belong to me .it 's reporting inaccurate and missing information such DATE OF LAST ACTIVITY WHO THIS ACCOUNT WAS SOLD TO NOT REPORTING CHARGE OFF AMOUNT, NOT REPORTING LATE OR PAYMENT HISTORY IF ANY INCOMPLETE AND INACCURATE INFORMATION AND MUST BE DELETED
Consumer complaint received 2023-12-27
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. (MD)

TO WHOM IT MAY CONCERN I recently received a copy of my Experian and XXXX credit report, and I noticed some late payments posted on my credit report. 

Department of ED/XXXX- Account XXXX XXXX XXXXXXXX Date of Late Payment XX/XX/2019 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( 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 permission to furnish this account on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a 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 to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

I have consistently contacted the company pertaining to the matter at hand. They have continued to using threatening tactics and even have stated that they do not and will not remove the debt thats not mine. I do not of the vendor that has hired the company nor where is it even located as I have never even been in the State of reference.
Consumer complaint received 2024-01-11
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: MISSION FINANCIAL SERVICES CORPORATION (IL)

I have seen information about XXXX XXXX XXXX XXXX being investigated for fraud on Loans to Minorities and I want to know where I can get information about how to proceed with filing a complaint
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I called XXXX XXXX the Third Party Collections contracted by XXXX to handle my account. 

I have arrange a payment plan to pay off the balance. 
I have been paying on time every month. 

The balance is not correct on my credit report. I have attached the correct balance for your reference.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (WI)

I feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management is threatening to garnish all of my accounts if I don't pay an amount of XXXX to them. I never took out a loan with them. I also never borrowed that amount from any credit line. They have been calling for more than a month XXXX a day. Asked me for my debit card and bank information for payments. Due to fear and not knowing my rights I gave them my credit card information. I haven't worked in over 2 years due to a XXXX XXXX while carrying XXXX XXXX. I've told them that I am still not working and not receiving any income to even pay that ridiculous amount. Today I was told that my card will be chard XX/XX/24 to start collecting payments.
Consumer complaint received 2024-04-09
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)

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, Experian XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (MD)

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding several credit inquiries on my report that I do not recognize and previously requested to be removed. Despite my efforts, the credit bureaus have not taken action to address these inquiries. Along with this letter, I am attaching an identity theft report to support my claim. I firmly request the removal of these inaccurate inquiries from my credit report as they are a result of identity theft and do not reflect my financial activities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (NC)

I was charged late fees from the start of my loan and i was not late and then they have took double payments and chargen me very high interest rates and i am a XXXX veteran on a fixed income
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

PayPal credit ending in XXXX. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Point Digital Finance, Inc. (NY)

I closed on my conventional mortgage on XX/XX/XXXX. At the closing I was informed that Point ( the company ) can not close on a mortgage if there is an open loan/balance with the IRS. I protested vehemently to no avail. I agreed in order to complete the closing. A tape of the closing was made by the mortgage company , the amount of the supposed debt to the IRS was XXXX XXXX XXXX  On or around XXXX, XXXX, the check was returned to the Title company who held on to the check, for 2 years and 5 months. This caused us many, many sleepless night and grief beyond description. We had to borrow moneys to complete the work as well as put the costs for the windows, siding, gutter guards and removal of trees on credit cards or financing. We lost time, incurred additional expenses because we lost the time in which the contracts were to be performed as well as the costs of the materials delivered to the house and would not give a refund! The check was finally released to us on XX/XX/XXXX, {$6000.00} short of the {$51.00} ; XXXX expected and a total of 2 years and 4/5 months later,
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Captial one Account # XXXX Account # XXXX has violated my rights. A15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (NC)

My father passed away we my brother XXXX XXXX is the executer of the estate have had an offer on the house to purchase the property and shellpoint will not furnish the payoff. We have provided estate information. Requested several times to receive the payoff. Now it's been almost a month they have told us they would escalate and now have made escrow disbursements of over XXXX causing a negative escrow balance. A supervisor in customer service named XXXX XXXX stated she would escalate the payoff. Every time we call they give us a different story about why they can't provide a payoff while we continue to accrue interest and fees.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance one of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me 33 years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX XXXX XXXX, but I have 4 negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX
Consumer complaint received 2023-12-27
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 XX/XX/XXXX
Consumer complaint received 2023-12-26
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 noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been homeless for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX XXXX which has resulted in me being on my own since the age of XXXX, I have no friends due to my XXXX XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX XXXX and I just want this to be over so I can move on with my life.
Consumer complaint received 2023-12-26
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)

Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you