davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (CA)

account no. XXXX XXXX XXXX for the amount of {$5500.00}. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent.

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information.

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure. 

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$160.00}. 

I tried using the card a few days later ( last week ) and it would not work ( received an error stating that the information was incorrect ). I checked in the back of the card and accessed the website to see the card balance - the site said there was an issue with my card, to check again later. The following day I tried to check the website again and got the same message. At that point, I decided to call the phone number in the back of the card. The customer service representative said that the balance was {$0.00}. I questioned how could this be if I hadn't used the card and he answered " how would he know? '' He then proceeded to tell me that if I wanted to submit a claim he needed my date of birth, social security number, full name, mailing address, email address, and copy of the front and back of my driver 's license. I immediately hung up as this felt like a scam. 

Today, I went back to this issue. Looked at the website - same error, called the number on the back of the card - same story. This time was a different representative but he said the same thing- he needed all this personal information to file the claim. I proceeded to ask why so much personal information was needed to file a claim and asked him to provide me with the written documentation stating the claim processing guidelines from their company. He said they did not have that in writing. I then asked to speak to a supervisor and he said that there were 15 people ahead of me and a 4-hour wait time. 

I have tried calling the phone number for XXXX, but the automated line says that " they do not have information regarding this card '' and indicating I need to call the number in the back of the card.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-11-07
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. (FL)

The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.
Consumer complaint received 2023-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (SC)

In XXXX, I purchased my first vehicle. A few months after buying the car I had an unexpected job loss and was no longer able to make payments. I contacted the company in attempt to resolve the matter or come to an agreement. I attempted to voluntarily return the vehicle to the company but was misinformed by them, who claimed that voluntary repossession was not an option. Despite this, I willingly returned the car to the company, who then claimed on my credit that it was an involuntary repossession. At the time I did not know my rights and I did not understand that they were making false remarks on my credit. Later that same year, I attempted to contact the company to try and settle the account. Unfortunately, the amount they were willing to settle was outside of what I could afford and I was unable to settle the account at that time. Now, in XX/XX/XXXX I was finally able to contact the company to settle the account. I immediately paid the agreed upon amount the same day I contacted the company. The company assured me over the phone that the account was settled and closed and that this would be reflected on my credit and I would receive a letter in the mail as well. About a week or so later I received the letter in the mail stating the account was settled in full and that the lien was released. In early XX/XX/XXXX my credit score increased, reflecting the paid off debt. Then shortly after this, I received notification that remarks have been changed on my credit indicating that the debt is still owed and that the account with them is not settled which drastically reduced my credit again by XXXX points. I am highly confused by this, as I have the documentation showing the account was settled and I have always done what I could to respectfully communicate with this company and attempt to resolve the matter. I attempted to dispute the remarks with both XXXX and XXXX but they are claiming the company is " verifying '' the information which further shows that after I settled this account the company is still attempting to harm my credit for, seemingly no reason. I do not understand this concept that appears to be common with debt collection agencies to further harm people who have already experienced financial downfalls. Especially when the consumers make all attempts to communicate and resolve matters. This company has been paid and gains no further benefit by changing and adding remarks to my credit to further harm my financial independence. I have attached documentation showing that the company has been changing remarks after the date they were paid.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my credit report, I have identified discrepancies that are not in accordance with the Fair Credit Reporting Act the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus Experian is showing on time payment for XXXX and XX/XX/2019, but XXXX is showing missed payments for those months. All payments were made on time. 

i had submitted letters to the physical address and online complaint to Experian, XXXX and XXXX on website. 


which is violation of my consumer right
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (TX)

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 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (AZ)

Dear Ally Financial XXXX XXXX Department, My name is XXXX XXXX XXXX XXXX, and I am the co-signer of this loan. For about a year I have tried to contact this company 's different phone numbers without getting any help at all, they just transfer me to a different numbers. I've called like XXXX different numbers. Let me briefly explain the situation ; In XXXX, a loan was requested by my sister XXXX XXXX XXXX XXXX as the main beneficiary and I, XXXX XXXX XXXX XXXX, as the co-signer. 

Due to financial difficulties, my sister had to carry out the bankruptcy process which was processed in XXXX XXXX The balance was deleted from XXXX 's credit report but was transferred to my credit report which has been affecting me during years. I have tried to contact you to see my options since I am in my best position to fix the situation and pay the pending debt of {$17000.00} dollars, but no one can help me, they just transfer me to different numbers without getting help or any solution, I sincerely feel frustrated and desperate, I'm tired of this. 

The account number for your reference is XXXX XXXXXXXX. Please find vehicle information : XXXX XXXX XXXX XXXX # XXXX Please contact me in order to proceed with a solution, as I mention I am in my best position to fix this situation.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have previously disputed this account and I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. Please provide me with method of verification. These inaccuracies are highly injurious to my credit rating. Please provide documentation which justifies your belief that this erroneous account is accurate and in fact reporting per the FCRA requirements. 

XXXX  Account Number : XXXX Date opened : XX/XX/year> Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these erroneous accounts.
Consumer complaint received 2024-04-07
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. (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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. (TX)

XXXX, XXXX, & Experian were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Consumer complaint received 2023-08-29
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-06
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (GA)

The bankruptcy court did not accept my filing, and was dismissed. But Experian, and XXXX has has placed this very negative item on my credit report. I've asked several times to verify and validate this bankruptcy on my credit report. I contacted the bankruptcy court office and received a letter stating that they do not send information to the credit bureaus. So I want to know what company is sending inaccurate information to the credit bureaus without my permission, which is a violation of my rights.
Consumer complaint received 2024-04-08
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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I obtained a personal credit card with a {$300.00} limit from Capital One and after I was late on a payment, this financial institution charged me a {$25.00} late fee on top of the minimum payment which was {$25.00} as well. After this occured, I immediately stopped using this credit card and destroyed it to prevent the temptation in using it further. Subsequently, I have received continuous harassing emails in regard to collections for this account. For a financial institution to charge 100 % on late fees on top of the minimum balance is highway robbery for the lack of a better term.
Consumer complaint received 2024-04-08
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. ()

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 : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} DEPTEDXXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}