davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my credit report, I noticed inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate this reporting account within the legally stipulated timeframe without presenting any evidence is not permissible. The following accounts require investigation and correction for inaccurate reporting on my credit file, as they are listed in my credit report : XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$910.00}
Consumer complaint received 2023-07-27
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: Spring Oaks Capital, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2023-06-21
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. (GA)

XXXX | XXXX | XXXX In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. 

The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. 

They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I did not give anyone written instructions.
Consumer complaint received 2024-05-23
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 has violated my rights. I looked at my XXXX credit report on XXXX XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are suppose to 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 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because XXXX, TransUnion, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-05-23
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60   days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (OH)

I XXXX, XXXX co-signed for a car for my brother and he didnt meet the payments, Due to amount of payments not being paid, they repossessed the car and still say that I own them {$20000.00} been working with some credit people to help dispute this off my credit but nothing havent changed yet
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This evening, I noticed some incorrect accounts on my credit report and Im baffled as to why they are there. When I checked my report as usual, I found unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive sent to ensure this never happens again.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (CA)

This all has to deal with a XXXX XXXX that I originally filed a complaint about ( XXXX ). XXXX has since then given me access over the vehicle I leased and I can finally physically gain access to the car I leased in XXXX. 

My issue now is with Ally Bank, who is handling the lease. My issue is that for whatever underlining problem there was with the XXXX, Ally had the same problem where my info was intertwined with someone else info where I could not create an Ally online acct. to make payments. This went on for months until they asked that I mail in a check of which I did on XX/XX/XXXX. Around XX/XX/XXXX, I was finally able to create an account where I quickly made an online payment since the check I sent was still not posted and somehow Ally ended up taking around {$1600.00} and the check amount all at once. 

After this error, I have requested a refund, of which I spoke to XXXX at their Call center ( emp. ref. XXXX ) and she said it would be 10 days. 

The huge issue is that Ally has reported to the credit agencies that I was delinquent on payments over the time I was unable to resolve the account issue with them. I have spent hours on the phone since XXXX to resolve whatever it was that wouldn't allow me to create an account and now I have my first delinquent payments in decades because of them. 

I need them to remedy this as it was not my fault their was some error on their end that I couldn't make payments but the second I can, they collect over {$2400.00} at once.
Consumer complaint received 2024-07-31
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. (AL)

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.

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 XXXX 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

on XX/XX/year> i sent in a personal information update letter to the 3 major credit bureaus ( XXXX, XXXX, Equifax ). My only Legal name is XXXX XXXX XXXX. My only Address is XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX. My only phone number is ( XXXX ) XXXX. I dont want to include my social, date of birth, or employers for privacy reasons.
Consumer complaint received 2024-07-02
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. I noticed some unauthorized accounts on my credit report that I did not benefit from. I need these fraudulent accounts removed from my entire credit reports from all three bureaus. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services (MI)

Mercedes Benz charged off car loan, and never sent the consumer a cancellation of debt to inform the consumer that they wrote off the debt, Mercedes then sold the debt to a third party to collect the debt twice, which they were already paid off for the original debt, I then noticed that the CRA 's removed the debt, and recently noticed the CRA 's put the debt back on consumer 's credit report. Mercedes Benz or the CRA 's were authorize to report any negative actions on my credit report, nor was the consumer notified of these reporting. Also there was no a sticker price on the vehicle at time of purchase, and additional fees were added outside the finance charge of the vehicle. Mercedes Benz took a down payment which was not added into the finance charge of the vehicle, and was never given a clear title of the vehicle once they wrote off the vehicle, and still reporting negatively on my credit report. Mercedes Benz never supplied me with the original application for the credit transaction when a validation of debt was sent to the corporation back in 2022, After recently reviewing my consumer report, that's when I noticed that the debt was put back on the credit report, reason 's for me to report this corporation for unfair debt practices. And 15 USC 1681a2.
Consumer complaint received 2024-07-08
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/year> my card was used at XXXX XXXX XXXX in XXXX Tn. I have contacted that company on several occasions regarding the release of my funds because they were fraudulent charges. This company refuses to release my funds.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I had a contract and XXXX the car dealer I bought the car from stated if you wreck your car gap will pay if off you wont owe anything I unfortunately wrecked and I did my part I turned my info in and they are saying I owe money still. Also my contract for months said null and null means contract wasnt valid so if my contract wasnt valid why was I paying it? Every month
Consumer complaint received 2024-07-02
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. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-02-17
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 (CA)

XXXX XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; XXXX recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.