davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (MI)

Dear experian, my one and only name is XXXX XXXX XXXX XXXX. 
my one and only address is XXXX XXXX XXXX XXXXXXXX Mi, XXXX. 
Last 4 of ssn : XXXX. 

Experian : XXXX XXXX XXXX XXXX  TX XXXX. 

recently i reviewed my credit report and found multiple items to be incorrect. 
Under 15 U.S. code1681e ( b ) accuracy of report. 
whenever a consumer reporting agency furnishes a consumer report it is their grave responsibility to fairness and accuracy of the information concerning the individual about whom it relates. 

15 U.S. code 1681i ( 5 ) a ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

FICO is its own identity, it does not affect the credit score.

15 U.S. code 1681- without my written permission you can not furnish my credit report.

15 U.S.code 1681 ( 4 ) - there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers privacy.

15 U.S. code 1681 ( a2 ) - consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2024-06-20
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: CL Holdings LLC (IL)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts and also other documents so I may review to see if the accounts actually belong to me. Only I can verify if an account belongs to me. According to 15 U.S.C. 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me distressed, emotionally wrecked, and financially burdened. These companies are violating my consumer rights to privacy as they had no permission from me to report anything using my personal information pursuant to 15 U.S.C 1681 4.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/year> I sent a {$500.00} transaction to woman for concert tickets that I never received. I opened a claim on XX/XX/year>, with a Zelle XXXX for fraud and scam but later found out that the XXXX assigned to my case closed it on the same day it was opened stating that " transactions were properly done, no faults found ''. It was never mentioned anywhere about reaching out to me or the person to determine the charges. XXXX then told me they sent a request to her bank to retrieve the {$500.00} but it did not sound too confident. I followed up on XX/XX/year> and XX/XX/year> from XXXX and they stated they are unable to help any further.
Consumer complaint received 2024-06-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (NC)

i sent a letter to Nelnet in XX/XX/XXXX- see attached requesting the following information. 
What money you say i owe for MULTIPLE LOANS? XXXX years ago. XXXX and XXXX Explain and show me how you calculated what you say i owe Provide me with copies of any papers that show i agreed to pay what you say i owe Provide original creditor Show me they are licensed in my state and provide me license number Provide how interest fees were calculated from original dates since XXXX and XXXX Provide original documents from XXXX and XXXX school original documents. 
LOAN {$19000.00} LOAN {$20000.00} LOAN {$20000.00} LOAN {$12000.00} LOAN {$12000.00} LOAN {$16000.00} LOAN {$15000.00} LOAN {$1900.00} LOAN {$590.00} THEY HAVE AROUND XXXX SEPARATE OPEN ACCOUNTS ON THESE ACCOUNTS SEE ATTACHED DOCUMENTS MAILED TO THIS COMPANY.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I am a nurse who practiced in long term care throughout the entire pandemic, until contracting the virus myself in XX/XX/XXXX. This lead to over a month long ICU hospitalization and rehabilitation. 

During this time period, I contacted the card issuer XXXX and requested " accommodations '' under the Cares Act for the late payments reflected on my credit report and to bring my account current. Currently all 3 credit reports reflect consecutive late payment. This includes : ( 1 ) 30 day, ( 1 ) 60 day and ( 3 ) 90 days for the period XXXX - XXXX, XXXX. 

Since regaining my health and returning to work, I have paid over 80 % of the total account balance, far more than both parties previously agreed to. 

I have contacted XXXX and disputed the late payment information citing this act, without success. 

I have been a customer of XXXX 's since XXXX XXXX, with no late payments, except while incapacitated after providing care to those in need during the pandemic. This is not a pattern. I would like to continue a business relationship with XXXX, as I use all their products and hope this can be resolved.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

XXXX XXXX XXXX offered me XXXX tickets to an XXXX XXXX football game for XX/XX/XXXX. I sent her the money via Zelle XXXX XXXX XXXX ) and she will no longer return inquiries.
Consumer complaint received 2024-06-20
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: U.S. BANCORP (OH)

USBANK refuses to report my on time payments to the credit bureau despite my reaffirming account debt during a XXXX  XXXX bankruptcy. They never reported in the 3 years that I have been paying my mortgage. They're sabotaging my credit score. They tried to charge me bogus and unfair charges in the past, so I wouldn't have chosen USBANK. However, they bought my FHA mortgage from XXXX XXXX XXXX. Please help me. They said that it's not their policy to report to credit bureaus. I think they are discriminating against me, and probably others with FHA mortgages. I also have OhFA second mortgage.
Consumer complaint received 2024-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Missouri Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law under the Missouri Revised Statutes, Chapter 570, underscores the severity of unauthorized access and misuse of personal information, particularly regarding identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant sections of Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
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: Atlanticus Services Corporation (TX)

I did not authorize these transactions to this account nor did I make them my name and signature was not used and I reported it to the bank to not allow any charges nor did I get any alerts it stays on my file a plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Aspire credit card did the same exact thing to me with a XXXX XXXX I didnt authorize any transactions amounting to any payments sowed also this company never paid me my money back from the account they closed that was not overdue I have the statements showing I paid please remove from my record this is fraudulent aspire credit card company Oag is not correct I make payments not the full payment but I pay what I can do my payments are not late and should not be on my credit profile
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I got scammed out of a lot of my money with chime bank. I automatically disputed those charges and they opened a case and started to investigate, in less than 24 hours they denied and closed my case. I had them reopen my case and provided evidence ( screenshots, messages etc ) to help with the investigation, they denied it again. They reopened my case XXXX more times after this and even suggested I file a police report to help with the investigation, so I did and sent it to them. Each time they reopened my case I was eligible for a temporary credit. My last rebuttal was reopened on XX/XX/year> and chime told me " The temporary credit would appear in my account on XX/XX/XXXX or before the XXXX, but it only takes 10 days if they don't find a solution '' which is also they policy. On XX/XX/XXXX which was 10 days after I called chime to give me an update on my temporary credit because I ain't get a email saying they denied it which meant they was still investigating. Chime said they would find a solution and try to Expedite it, after telling them multiple times I have rent due and bills that need to be paid, that it's past the 10 day mark and I should of received my credit until they made a final decision. On XX/XX/XXXX I get an email once again stating they denied/closed my case and no money was credited to my account.
Consumer complaint received 2024-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TN)

I am writing to dispute a repossession on my credit report, which resulted from contract fraud by the report. 
Enclosed are copies of documents supporting my claim, including the contract, communications with the dealership, and a police report detailing the fraud. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request an immediate investigation and removal of this fraudulent repossession from my credit report. 

Please correct this information and provide written confirmation within 30 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I am writing to dispute the late payments reported by TD AUTO on my credit report, which are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to have accurate information reflected on my credit report. 

Despite having provided TD AUTO with proof that my account status was inaccurately reported, they have refused to correct the information. Enclosed are copies of my evidence, including payment receipts and account statements, demonstrating that my payments were made on time. 

Additionally, I draw your attention to 15 U.S.C. 1666b, which mandates timely posting of payments. This requirement has been violated, further affecting my credit report inaccurately. 

Please investigate this matter and correct the inaccurate information promptly. I request written confirmation of the corrections within XXXX  days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is in reference to a foreclosure sale that has been recorded for the above-listed residence. This is fraudulent and wrongful and needs to be rescinded ASAP. 
We want to keep our home but you have refused to work with us to make this possible. It appears that Select Portfolio Servicing ( SPS ) is bent on selling our home because the value is now $ XXXX. 
If you really want to work with us you would give us a modification so that we can continue with the regular monthly payment of {$2400.00}.

A repayment plan over a 36-month period will be acceptable. 
You can also defer {$580000.00} of the mortgage and use the current deferred - {$250000.00} as the current amount to make the mortgage affordable. 
We want to keep our home. Your listing our home on XXXX, XXXX and all the real estate flyers has led to unsavory people coming to my home an knocking on the door day and night exposing my children to harm. They can not even play outside for fear of unwanted strangers coming randomly onto our property because you have listed our home for sale. 
This is not safe and unfair. 
REMOVE THE FORECLOSURE THAT YOU HAVE PLACED ON OUR PROPERTY.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Affirm Holdings, Inc (NC)

I am writing to address issue regarding my funds, which have been placed on hold due to an incorrect payee name associated with my account. 

When I set up my account, the intended payee name was supposed to be " XXXX. '' However, it seems there was an error, and my business name was listed as " XXXX, '' which was the name of my XXXX store for only XXXX days in XXXX before I officially changed it to " XXXX. '' In XX/XX/XXXX, several XXXX deposits were sent under the name " XXXX, '' which unfortunately flagged my bank account. As a result, my bank closed my account and placed my funds, totaling {$64000.00}, on hold in suspense. 

To resolve this situation, I kindly request a document stating that the payee name error originated from your end. Additionally, I would appreciate confirmation that you authorized the funds to my account.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (OK)

My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is target one XXXX XXXX  XXXX. And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.
Consumer complaint received 2024-07-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I received a giftcard from one of the friend for my birthday. But when I try to use the card in stores and online, the payment never went through and was declined. As the card is from XXXX, I tried checking the card information, but even after providing the right card number and CVV, it says the card information is invalid.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

RESURGENTLVNV FUNDING is in violation of the FDCPA and FCRA law. 15 USC 1692 ( XXXX ) ( 3 ) RESURGENTLVNV FUNDING is not licensed to collect any debt in my state nor do I have a contract with this company. FDCPA XXXX XXXX XXXX ( c ) request proof of validation that I own this fraudulent debt XXXX XXXX XXXX ( b ) This Cease and desist include but not limited to any collection attempts and or reporting of this account to any consumer reporting agency. RESURGENTLVNV FUNDING parked an illegal fraudulent account on my credit report without notification by mail. The collection debt company didn't provide any information of their investigation. This account needs to be removed from all three bureaus until RESURGENTLVNV FUNDING provide proof I own this debt! DON'T PROVIDE ME WITH COPIES OF ITEMIZE COPIES OF PAPERS OF FRAUDULENT SPENDING! I WANT TO SEE PROOF SIGNATURE OF THE CONTRACT
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC (NC)

This account has not been verified and needs to be removed from my credit reports. I have requested verification from this company XX/XX/2024 and have not received anything to verify this debt and this has been well over 30 days. Im asking to have this removed completely from my credit reports as this is having a negative impact on my credit history.
Consumer complaint received 2024-08-02
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)

My name is XXXX XXXX and there are multiple different spellings across all 3 credit bureaus also my address is and has been the same forever however it is not on all XXXX bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have cost me a single mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (GA)

Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX is guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXXXXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and XXXX during litigation for wrongful collection attempts.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I have noticed XXXX transaction appeared on my PayPal ( PP ) account which were charged to my linked checking account and not credit card as listed as preferred form of payment in my PP account. The company representative in the XXXX gave me contradictory answers why that is ( first they claimed my credit card rejected the payments ( it didn't after I received info from them ) and on the second call I was informed that it was a " glitch '' that affected other customers as well. I requested the PP to rebill the transaction to my credit card as originally designed and requested. It refused so I contacted my bank and had the XXXX transactions reversed. So instead of redoing the transaction in the correct manner the retaliated and froze my PP account requiring ad additional security info. It is really insidious and cynical since I never told PP that these transaction are invalid but simply wanted them to do process in a correct form of payment. Also PP refused to answer any questions as this is the first time this type of issue happens in my XXXX years of using this service.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. The Affirm account is reporting I have one late payment on an account that is 30 days late in XXXX. The consumer reporting agencies need to report all information with complete accuracy. This account was not late 30 or more in XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate and provide verifiable proof with records showing that I had a late payment for the month of XXXX. If this information can not be verified I demand this account to be completely removed. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies ( CRAs ) and information providers to correct inaccurate or incomplete information in consumer credit reports. The FCRA also requires companies to remove unverified information from consumer reports if they are unable to determine if the information is true.