davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (OK)

I called on XX/XX/XXXX to schedule a payment arrangement for my car loan due to my unemployment, military XXXX via veterans affairs and moving to another apartment which too all my money to do so. I explained my situation to the customer service representative only to have the agent make an incorrect assumption placing the first payment on the XXXX of XXXX instead of the XXXX like I wanted. I don't get paid until the end of each month as a XXXX payment. I was paid on the XXXX Friday when the car was repossessed and still had time till the XXXX to resolve the account. The agent assumption placing my first payment on the XXXX ruined my payment agreement and thus caused a messy situation to resolve my account. The account has inaccurate balance and needs to be deleted from my credit report. American Credit Acceptance refuses to waive the repossession fees of XXXX XXXX And wants me to pay in full for someone else mistake and assumption. 


Payments should also be stopped once repo. I shouldn't be reported for any future late payments. Now once that happens, how in the world can the Original owner ( myself ) still be reported for Late payments? 
In short, they shouldn't, but they often do, and that is the key reason I am identifying this report a " factual error '', and, ultimately, requesting it's immediate removal from my credit report due to this error. 
The reporting of late payments after a repossession occurred, that's an error, and when this happens, I am able to dispute that error with pinpoint accuracy pointing this out. 
Now that the vehicle was repossessed and defaulting on payments at this, point, is, inaccurate, The account that you were reporting is identified as a repossession, yet you continue to report late payments. 
Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file, and, discrepancies, like, this, Are unacceptable, so please immediately remove this account and it's entirely from my, credit, file, Now, another potential discrepancy to look for and factually dispute is a monthly payment account appearing after the vehicle has been repossessed. 
A monthly payment should not exist after a repossession has occurred. 




At the Time of purchase this car was a credit sale and not an installment, loan. The car is being identified on my credit report as a loan thus resulting in another error. 
This error by default has resulted in me challenging its legitimacy and I am factually disputing the repossession. 
Based solely on that specific factual error, The account you are reporting is identified as an installment loan. 
Which is factually incorrect. The true account type for this account is a credit sale agreement. Done so at the time of purchase at a dealership where it was signed. 
I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions since XX/XX/XXXX has been attempting to collect a debt owed by me for a leasing contract. They have the debt listed in my name and my XXXX  daughters name. I informed the first two reps over the phone and the second rep advised me to send in documents. The collection letter also stated I owed {$1000.00} with no interest or payments being applied. I sent them a for a dispute letter via certified mail in late XXXX beginning of XX/XX/XXXX to remove my daughters name from collection item as she was not a lease holder along with copy of lease showing she is an occupant as well as a copy of the statement from the apartment leasing company of the balance owed being {$960.00} and to provide new letters with the minors name removed as well as the correct balance or why they are saying I owe additional {$87.00}. To date I have received nothing but on XX/XX/XXXX I received a call from XXXX XXXX leaving a voicemail on my phone yet again asking for my XXXX  daughter. I called him back to explain for the now 3rd time what had occurred and that I sent a dispute and he proceeded to hang the phone up in my face.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute some information that I believe was added to my credit report without my knowledge or consent. These are potentially the results of identity theft and should be blocked and deleted from my report immediately. The details of these accounts 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, with a reporting balance of {$2200.00}. I WISH TO EXPRESS THAT I DID NOT OPEN THESE ACCOUNTS, NOR HAVE I AUTHORIZED ANYONE TO DO SO ON MY BEHALF.
Consumer complaint received 2024-09-08
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. (GA)

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 and list of Inquiries. 

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (NY)

Per the Privacy Act of XXXX, as a federally protected consumer I am now revoking any and all authorization I, the consumer, may have given OPORTUN written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. OPORTUN did not provide me with this opportunity, nor did I give any consent for my information to be shared. OPORTUN has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties. 

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ) between the consumer ( myself ) and the person ( OPORTUN ) making the report. IT IS UNLAWFUL TO REPORT TRANSACTION HISTORY. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( OPORTUN ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (GA)

I contacted Sallie Mae about an income based repayment plan to pay back my loan. I gave them my monthly expenses and informed them Im starting school admin for my XXXX this XX/XX/year>. The amount theyre asking me to pay exceeds what Im able to pay. Theyre asking for {$280.00} a month. I asked if that could be adjusted and they said its the only option.

Not only is it the only option but after two years Ill be required to pay {$580.00}. Which I definitely cant pay. I want to pay off this loan I just cant afford {$280.00} a month. 

Theyre threatening to send my loan to collections but this is not fair seeing that I WANT to pay off the loan but just need a better repayment plan.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company is reporting 30, 60 and 90 late payments and based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Consumer complaint received 2023-10-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXX. Capital One Auto XXXX XXXX. Capital One XXXX XXXX. XXXX XXXX XXXX XXXX. Capital One XXXX XXXX. Capital One XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

THIS IS A NOTICE OF DISPUTE. I AM SUBMITTING THIS COMPLAINT IN REFERENCE TO THIS COMPANY KNOWINGLY REPORTING INACCURATE DATA. XXXX XXXX CREDIT PROFILE IS AFFECTED BY THESE PENALTIES. THIS LOOKS SUSPICIOUS AND DECEPTIVE. REPORTING WITHOUT VALID PROPER DISCLOSURE REQUIREMENTS ARE IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. I AM DEMANDING A DESCRIPTION OF THE DETAILS OF THE VERIFICATION PROCESS USED TO VERIFY THIS ALLEGED ACCOUNT. FEDERAL LAW REQUIRES YOU TO RESPOND IN THIRTY ( 30 ) DAYS.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. My Experian online membership account was taken over and the thieves opened an Experian Smart Money account. 
I have called Experian Smart Money directly to attempt to close the account. They have suspended the account and sent it to their fraud department for further investigation. It has been over 2 month and I have not heard anything from them regarding closing the account. I can not contact the fraud department directly and the only information they will tell me is that I have to wait for the fraud department to complete their investigation. There was not additional information requested from Experian Smart Money to verify my claim and identity. 

Experian can not help me with recovering my Experian online membership account until this Experian Smart Money account has been closed. It is also preventing me from disputing any information on my credit report that is tied to the Experian online membership account.
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently i looked at a copy of my credit reportsand noticed several inaccuracies on my account. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify. XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-09
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. (AZ)

Ok ... I signed up for Experian credit monitoring. I noticed there are 2 addresses that do not belong to me and I don't know the people who live there. I filed a dispute. They denied it. At the same time I noticed 3 negative accounts on my credit report. All 3 accounts are the same account! I filed a dispute. Of course denied. Today XX/XX/XXXX I called Experian and spoke with XXXX with XXXX XXXX. He refused to even assist me with these errors. He told me I needed to find out why they were on my report. THAT IS WHY I CALLED THEM WAS TO FIND OUT WHY THEY HAVE INCORRECT INFO ON MY ACCOUNT! Then He tells me to call XXXX  and XXXX to find out why the info is on my reports .... WHY WOULD I CALL THOSE CREDIT BUREAUS AND THEY DON'T HAVE THE MISTAKES ON MY REPORT????? Nothing he said made sense. I want these errors corrected!!!
Consumer complaint received 2024-04-20
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. (IL)

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 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-20
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. (MI)

I recently viewed my credit report and noticed inquiries on my credit report that I did not approve nor authorize. all of the following inquiries I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-10-05
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

I would want to report this hard inquiries that i have no knowledge off, as a result of identity theft and must be removed no longer than4 business days as per US 1681C-2 These are the inquiries, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Purchased a night stay on XXXX for XX/XX/XXXX and checked in room at midnight but discovered the room not clean as decribed had shower water leaking into bedroom and caused flooding, toilet broken and had insects crawling in room and laying eggs, couldnot sleep due to smell and flooding, host promised to send cleaners in morning but did not, so I left in the morning, leaving keys behined, Tried to get credit from host who does not respond, so turned to chase Bank on XXXX XXXX who said can not help in this case & suggested to call XXXX XXXXXXXX, which i did but unable to reach their corporate office, all their phone numbers end up in XXXX and the reps did not let me speak to anyone in corporate office.. Please help...
Consumer complaint received 2024-04-20
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.