davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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 have accountspassed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (FL)

I recently purchased a new XXXX XXXX from a car dealership in XXXX XXXX ( I do not need to name the dealership as they are not the subject of my complaint ). My wife and I were pre-approved for a car loan through Truist Financial. The car was purchased and final docs were signed on XX/XX/2024. The following day, I received a call from the car dealership and was told that Truist was requesting a copy of my wife 's green card. I am a XXXX citizen and my wife is a legal permanent XXXX Resident with a valid green card. I am also a veteran of the XXXX XXXX. We immediately sent the green card document to the car dealership to forward to Truist. On XX/XX/2024 I received another car from the car dealership informing me that Truist was retroactively canceling my auto loan deal due to my wife 's residency status. This is absolutely outrageous, and clearly discriminatory. The dealer arranged alternate financing through a different lender, but I want to document the racist business practices that Truist exhibited during the past week of dealing with them.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (MD)

Improper account reporting Account in charged off status and company hasnt sent me a 1099c Account is in charged off status still reporting a balance Account is a charge off which means a 1099 c was diled which makes it income and income should not be reporting to a credit report They are reporting a balance of XXXX
Consumer complaint received 2024-06-21
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

On or around XX/XX/year> I submitted a dispute with XXXX to remove a collection account that was inaccurately reporting on my credit file. I provided proof showing that the collection had been paid and that the agency had also agreed to remove the account from my profile. On XX/XX/year> XXXX emailed me saying that they had reached out to the collection agency and verified the information as accurate. This is not true because the collection has been paid and the collection agency had also sent an email stating that the account was paid and i provided XXXX with the email from the collection agency showing this. This error committed by XXXX is preventing me from obtaining housing which in return is effecting my livelihood. I am once again requesting that this incorrect information be removed from my credit report As soon as possible as it is violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I have been XXXX  overseas for the past 8 years. I do come home to North Carolina from time to time .... however, I viewed my credit report a few months ago and noticed a collection account from a company called I C System??

I have written them advising them the account is not mine. I have not heard back from them and according to my relatives no mail what so ever was ever has been sent to my North Carolina address. And I have not been to the hospital in GA!!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC (CA)

On XX/XX/XXXX I received an alert on my credit reports XXXX, XXXX, and XXXX regarding multiple collection accounts appearing on my credit reports. I logged on to check the details, and noticed XXXX WAKEFIELD & ASSOCIATES collection accounts appearing on my credit reports. I contacted Wakefield and Associates on XX/XX/XXXX to get additional information and demand a Deletion of these delinquent collections from my credit reports.. I was told there were XXXX unpaid healthcare collections from XXXX and they would be placed under Dispute. This situation is a big mistake not caused by me.. There should not be any XXXX XXXX appearing on my credit reports. I provided my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Wakefield and Associates. I've been covered through XXXX and XXXX XXXX and have been under the same health insurance and hospital care since XXXX. On XX/XX/XXXX I contacted the hospital I received my care from in XXXX and explained the collection situation. I was told I don't have any outstanding debts and I should not be in collections. My credit reports have been ruined due to a situation horrible situation. XXXX Account XXXX XXXX XXXX XXXX
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: JPMORGAN CHASE & CO. (DC)

Please delete the late payment status in this account account Name JPMCB AUTO FINANCE account number XXXX Balance : {$33000.00} Date opened : XXXX XXXX, XXXX  I tried to fixed it so many time still not receiving any response from the 3 credit bureaus. They always refuse my letters. Please delete now!
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (AZ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (DC)

After my bankruptcy terms had been fulfilled, I received assistance from the DC Homeowner Assistance Fund ( DCHAF ) to bring my mortgage current with SN Servicing Corp ( SNSC ). During my bankruptcy process SNSC disabled my online account access and refused to accept any payments from me. 

On XX/XX/2023, my first resumed payment was due, and my online access had been restored after SNSC received payment from DCHAF. According to my online statement, the amount due on XX/XX/2023 was {$2100.00}, and I paid {$2100.00} on/around XX/XX/XXXX. SNSC refused to apply that money to my XXXX payment. The account rep said it was a partial payment because the amount due was {$2100.00}. When I questioned why that amount is not reflected on my XXXX statement, I did not get a satisfactory response. Instead, on XX/XX/XXXX, another account statement was manufactured and added to my account, showing my account being past due for XXXX in the amount of {$2100.00}. The amount of {$2100.00} was only communicated to me via email message, but I never received a statement saying the amount due for XX/XX/2023 was {$2100.00}. 

After sending several emails and making some phone calls to SNSC, I realized no one could/would adequately explain what was going on with my account. So, I reluctantly paid an additional {$36.00} to keep my account from going into a late status. Yet, I was still charged a late fee. 

I asked for an updated amortization schedule, but was told SNSC does not supply that information. I asked how do I make extra principal payments, and I'm still waiting on an answer. I've also asked for a payoff statement that is good for 60 and 90 days, and I'm still waiting to receive that. 

After everything I've been through regarding my home, I feel like I am the victim of some deceptive and fraudulent practices by SN Servicing Corp. I would like a refund or credit for the {$36.00} that I paid in XXXX, and I would like the late fee applied for XX/XX/2023 to be withdrawn/waived. I would also like someone to look into the overall mortgage servicing practices of SNSC.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I never consent to share my information to a third party and I never once gave permission for bureuas to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of 15USC Tila laws and disclosure agreements Credit Acceptance Corp XXXX  Bureuas have dates, addresses, balances, reports dates all out of order hindered my credit too
Consumer complaint received 2024-08-22
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consumer Portfolio Services, Inc. (CA)

When pulling credit reports from all three bureaus, I noticed that Consumer Portfolio and XXXX XXXX XXXX XXXX and XXXX XXXX changed the addresses on my credit file that I lived at a different addresses. When I disputed with the credit bureaus they say I can not dispute them as the company is the one that placed them and have to contact them. I also have addresses that I have not lived at for almost 14 years and they refuse to remove it. I have and they say they can not change it. Also I have several accounts that are reporting potentially harmful information which is damaging my credit scores and reports. Bureaus are also refusing to remove them. I also have addresses that I have not lived at for years and XXXX is refusing to remove them. The only address that should be reporting is the one that I have lived at for 2.5 yrs. The Reporting agency says that the creditors that have had those accounts are still reporting which is not true as they are closed accounts.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX AL XXXX.
Consumer complaint received 2024-06-12
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: AMERICAN HONDA FINANCE CORP (CT)

On XX/XX/XXXX, I mailed a dispute letter to XXXX Honda , requesting an investigation into an unauthorized inquiry on my XXXX credit report dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing XXXX Honda to perform a credit inquiry for the purpose of extending credit.

Despite my clear and thorough request, I have not received any response from XXXX Honda . According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that XXXX Honda has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2024-05-21
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. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

Hello, I am writing to file a formal complaint against PayPal regarding the unjust and unexplained limitation of my account, which has persisted for over three months. Despite my unwavering adherence to all PayPal policies and regulations, my account remains inaccessible.

I kindly request that PayPal takes immediate action to either restore my account to its full functionality or grant me temporary access to submit all the necessary documents and proofs required to address the limitations. I want to reiterate that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have a strong desire to continue conducting legitimate business with PayPal. It is within my rights to have access to this service and I will not tolerate an extended denial of access without due cause. If PayPal remains unresponsive and does not take prompt action to address this issue, I will have no choice but to escalate this matter by filing a complaint against PayPal with the Internet Crime Complaint Center ( IC3 ) and seeking legal recourse in a court of law. 

It is imperative that this matter is resolved with the utmost urgency and fairness, as my ability to engage in legitimate business transactions has been unjustly restricted without warning. 

I eagerly await your immediate response to this pressing issue. 

Sincerely,
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

Long story short I finally received my crypto distribution from XXXX after waiting 2.5 years for it since those crooks locked it. As soon as I received my funds into my PayPal account, PayPal locked my account. I tried to appeal I gave them all my info and they said they would hold my XXXX XXXX in crypto for 180 days FOR NO REASON!!! 
I was FORCED to partner with PayPal to receive my distribution back from the XXXX lawsuit. Fast forward to now, I cant pay my rent or feed myself without taking a loan out. Thats what I was forced to do this last month. I am out of options and the mental stress I am being out this is out of this world right now. PayPal is literally the worst company they should be shut down. 
I am 1 step away from being homeless because they wont return my funds. This is almost {$100000.00} when the market is up! And I can not sell!!!! This is almost my ENTIRE life savings!! 
I BEG YOU PLEASE HELP ME BEFORE IT REALLY IS TOO LATE
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MI)

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two American Express accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to American Express and they are refusing to remove the fraudulent accounts. American Express : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} American Express : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}