davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (NC)

A week ago a friend ( not even anyone I'm related to, nor would I ever use their information on anything I ever do ) was contacted regarding a " debt '' that I owe. I do not have any accounts in collections, nor have I been called or emailed or received a letter myself about my own so-called debt. I'm pretty sure it's a scam, but my personal information is being given to someone that isn't even related to me!!!
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (GA)

I Disputed a XXXX that was Reported on my XXXX XXXX back in XX/XX/2023. The Credit Bureau did their XXXX and removed the Account on XX/XX/2023. As of XX/XX/2023 it has reappeared back on my Credit Profile Damaging my Credit. I printed off Proof that the Account was removed. Could you please help me with this, it is Hindering me. I will also reach back out to the Credit Reporting Agencies to see if this can be resolved.
Consumer complaint received 2023-12-18
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I spoke to a XXXX from Capital one his ID number is XXXX. I requested a removal letter because I do not recognize this account thats on my credit report or the account balance or the account number which is in violation of the FCRA sec 623 enforce FACTA 312 because they havent done a reasonable investigation and 15 is code 1692g. I been disrupting this a few times and XXXX out of the XXXX XXXX XXXX accounts have been removed
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (TX)

In XX/XX/XXXXXXXX XXXX  I financed a bed from a furniture store in XXXX texas. I made a settlement agreement with American First Finance in XX/XX/XXXX XXXX  for two payments of XXXX and that would close my account as paid in full. I have receipts of the money being debited out of my account in XXXX XXXXFor the last four months I have been receiving text and emails stating I was due for payments and past due then i started getting emails and texts that my account will be put in Charge off status. Me thinking it was car payment company I kept paying amt of XXXX then on XXXX I received a text message again spoke to rep XXXX who stated I did owe XXXX dollars after a brief back and forth I stated my car note is not that much money a month she stated it was my car its the bed i purchased. i told her I paid it off back in XXXX XXXX had no record that I explained to her I have bank statements proving my payments now you need to investigate my account and so she did and she found the agreement but stated it was done the wrong way in system which i did not understand. I was told my complaint and error would be escalated to the credit department and the calls and emails would stop but they have not I had to call again today to get same information told to me as the day before. I am frustrated upset because this has been reported on my credit negatively for four months Credit is crucial in the world now I do not need any one else messing it up for their mistakes not my own. Please investigate this company thoroughly. I am struggling as it is. I don't need the harassment calls and emails and fraudulent activity in my life. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Sincerely yours, 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. According to 15 USC 1681i ( 5 ), they are supposed to remove accounts that aren't reporting correctly. 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OK)

The deficiency auto sales payment to GM Financial was {$5100.00}. 

My payments {$2800.00} plus down payment {$500.00} plus {$3300.00} plus deficiency sale {$5100.00} total {$8400.00}. 



The GAP contract was refunded to GM Financial in the amount of {$1500.00}, but not reported to the credit bureaus as a deduction. 

Total payments {$8400.00}. 

GM Financial states auto deficiency balance is {$5300.00}, which is over the original balance reported to the credit bureaus and Consumer Financial Protection Bureau Auto price without Gap was {$8500.00} minus {$500.00} down payment. 

GM Financial is reporting an inaccurate balance due and have changed the amount of the deficiency loan as reflected in complaint ID to Consumer Financial Protection Bureau # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

GM Financial is also stating inaccurate information as to repossession date. 

Auto repossession occurred XX/XX/XXXX or XX/XX/2023. 

GM Financial reported to the credit bureau repossession occurred XX/XX/2023. 

The auto loan was within the thirty days late period, the auto loan was not sixty days late as, GM Financial, reported to CFPB in the above referenced complaint. 

I request GM Financial delete this auto account due to the fact that inaccurate balance reported and inaccurate date of auto repossession information was reported to the credit bureaus and I received no redemption letter or deficiency notice.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

Upon checking my created report. On XXXX XXXX. And I noticed a collection from this company Jefferson Capital who l never done business with, and they are requesting XXXX and some odd XXXX. 
They claim to keep sending me mail and I'm not receiving it. This company wants me to give them my current address so they can try can legally attach this debt to me. I don't feel comfortable as a consumer to provide the company with such personal details about my self. Per the XXXX. This company Jefferson Capital is NOT licensed to collect any debts in Florida. I don't know this company and they negative reporting is hindering my ability to move and obtain a good paying job.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXXXXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX  XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I made a purchase of a smartphone which I never received. I had used PayPal to make that purchase just in case things went wrong because they have a buyer protection program. The merchant used USPS to have the package delivered. They supposedly delivered the package to my freight forwarding service on a day that they were not open, XX/XX/. That was the information reflected on the USPS tracking website, but the freight forwarding company could not have possibly received this package if they were closed. At first, I had attempted to get a resolution from the seller themselves, however they simply cast blame on the freight forwarding service. Then I created a dispute on PayPal. I even went as far as having verifiable representatives of USPS send me written notice that the package was mishandled and misdelivered. PayPal was attached to the email for visibility into everything. However, PayPal called the customer service number for USPS which is simply reps from other countries contracted to provide customer service, to verify the authenticity of the letter. I would know having been one of these reps myself. We usually do not have access to information about delivery scans so we will always tell you exactly what is shown on the website. Since the PayPal escalations handler, XXXX, was attached to the email thread that included the letter, they could have simply collected the direct number and extension of the USPS Manager of the XXXX XXXX, XXXX XXXX, to verify the letter. And now I am left with no satisfaction.
Consumer complaint received 2023-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, and XX/XX/2023, letters were sent exercising my right as a consumer and requesting that Transunion provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my TransUnion credit report. 

1. XXXX XXXX XXXX Acct # XXXX Amount of {$33000.00} 2. XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in that account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

I was repeatedly emailed an offer by Chase to set up a checking account with direct deposit and a savings account with {$15000.00} for 3 months, and then I would recieve a {$600.00} bonus. This included on XX/XX/XXXX and XX/XX/2023. 

I enrolled in this offer and opened both a chase checking account with direct deposit and a savings account for 3 months. My chase savings account was opened on XX/XX/2023 with a {$15000.00} deposit. It has sat in this low interest savings account now for 3 month with the expectation that there would be a {$600.00} bonus. However, I was only given the {$300.00} for the direct deposit and not the full {$600.00}. I am asking Chase to honor their promotion and provide me with the full {$600.00}. 

I have reached out to them to ask about this and they said that I had only signed up for the direct deposit and therefore I only will receive the {$300.00}. However, this is incorrect, I signed up for the full {$600.00} and I met the terms of the promotion. 

Thank you, XXXX
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: Experian Information Solutions Inc. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

experian continues to report an account that is far too old to be on my report. 

I've disputed this account twice and they insist it is correct and remains reported. 

XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Terms 36 months Paid Closed XX/XX/XXXX Early termination/obligation satisfied. 
This account is scheduled to continue on record until XX/XX/XXXX. 


I paid the account off in XX/XX/XXXX This was a 36 month loan term not the 123 month loan term Experian is stating Experian can't seem to realize they are off by 10 years on the report. 

I called XXXX XXXX on XX/XX/XXXX and they confirm this account was closed on XX/XX/XXXX not XX/XX/XXXX as reported by Experian. 

Please remove this old account from my report.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.