davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Mtr Accpt/Infiniti Fin amount not reported In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
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. (PA)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, EXPERIAN, AND XXXX. I HAVE DISPUTED THIS ON THIS XX/XX/XXXX, AND SENT THEM THIS LETTER ON XX/XX/XXXX. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

INACCURATE INFORMATION REPORTING IN XXXX : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, These inquiries were not authorized : XXXX  - XX/XX/XXXX XXXX This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN EXPERIAN : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX  XXXX - XXXX, These information is inaccurate : These inquiries were not authorized : XXXX XXXX  - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX  - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN XXXX : This information is inaccurate : Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (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 2023-09-21
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. (GA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00}
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (NY)

Oportun is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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. Oportun is in clear violation of this law. Oportun is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Oportun has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2024-04-09
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights.

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
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of XXXX, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!
Consumer complaint received 2024-04-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK (MS)

Was referred to Freedom Debt Relief by XXXX XXXX. 

My credit wasn't in bad shape but I had some pretty high monthly bills. Was looking for debt consolidation. Was told I would be a better fit for Freedome debt relief. 

Was told my creditors would all be contacted and were on their list of suitors. Settlement would occur and small payments would be given to each. 

My credit is now trashed, creditors are calling non stop and have had no contact from Freedom debt relief. I was told by a Supervisor from Freedom today that my credit would be trash for 4 years. I told her that was not what was sold to me. I was told something totally different. I asked for the recorded phone call.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (PA)

I have reached out numerous times with this company and they are still adamant that I owe them money. According to the bill I received, they are charging me for services at an apartment I have not resided in since XXXX. I want this resolved.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (WY)

I had an account with XXXX TDRCS. I paid the account off early and IN FULL last summer. A few months I receive notification that I supposedly owed {$5.00} in interest and they charged me a {$75.00} late fee. I called to dispute and they refused to take a dispute on the phone. They said I had to dispute via their website, which I did. I received no response and they charges another {$75.00} late fee and reported my account late. I called again and they transferred me to multiple dwlepts for hours and then refused to take the dispute over the phone. I finally just paid the amount due to get them to stop. They then charged me another interest charge and {$75.00} late and reported me late again on my credit report. They then sold my invalid debt to a XXXX party on XX/XX/year> and reported. Again. On XX/XX/year> they reported derogatory AGAIN on an invalid debt that they supposedly sold. This is nothing but predatory pending and unfair debt practices!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows XXXX XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : Experian, XXXX, and XXXX. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I tried obtaining a credit report from TranUnion I submitted all the required documents and paperwork. I dont have a driver license, utility bill or SSN card to send transunion .IXXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Kentucky . Someone else used my SSN and got credit in my name so Im trying to disputes all negative things on my credit and get free report sent to me but running into issues and barriers.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was victimized by a wire transfer fraud on XX/XX/year> for the amount of XXXX. I received a text message that appeared to be a Chase mobile alert from my bank and I responded " No '' to the transaction which led to a phone call stating they were calling from Chase Bank and needed to verify my account and debit card information because someone was trying to do a wire transfer. I immediately felt the fear of losing my money and fell for the fake caller verifying all my information. 

the wire transfer went to XXXX XXXX XXXXXXXX, account number ending # XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The company name shown under that transaction read XXXX. 

Chase provided me with the following : Track wire : XXXX Chase Case # XXXX Chase Claim # XXXX
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc. (NC)

XX/XX/XXXX I called SOFI customer service XXXX to find out the balance owed on my account. I was informed that my account was being handled by XXXX  XXXX. I asked why and was told that they were servicing my account now. I called XXXX and was informed that XXXX was a collection agency and that my account was charged off, I was shocked and asked what address and phone number was used to call to collect the balance.. The agent indicated that he did not have an address or phone number. I told the agent that I did not understand how they are to collect if they have not sent out a request for collection by mail or by phone. I called back SOFI loans XXXX to find out how and why my account was sent to collections as I was understanding that payments had been made. The agent with SOFi indicated they would never mail out any information to my home address to notify of late payment but would only email or call. They had the wrong phone number and could not get in touch with me by phone and sent emails. I told the agent that I never received a call on my cell phone which has not changed in years. I told the SOFI agent that I needed to check with my bank to confirm that payment should have been made automatically from my account to them and would call them back. I called my credit union XXXX was told no payments have been made since XXXX XXXX XX/XX/XXXX I called SOFI, spoke with XXXX -customer service agent.. I informed her that they payments were not drafted nor were transferred from my accunt to SOFI. and that there was a break down of communication. XXXX said they SOFI only sent out emails. and tried to call but had the wrong number I told the XXXX in customer serice that I had not changed my mobile number in years ( 10 ) and why would they not mail a letter to inform of late payment or account status and why they do not have the correct number as on my oriiginal application for the loan. XXXX said that that's just how they do business by email and calls were made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I told her that I do not check my emails regularly but only if notified that some one I planning on sending me an email would I check my email. XXXX said that emails were sent but she could not tell me dates of emiails sent out regarding my account status. XXXX XXXX XXXX XXXX manager said that I would have to contact XXXX XXXX because he could not provide further information. I was concerned that my credit was ruined because I have no other late payments with any one, only SOFI.
Consumer complaint received 2023-04-29
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: ID Analytics, Inc. (IL)

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802