davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Kikoff Inc. (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the Consumer Data Industry Association ( CDIA ) .Account Information : Creditor Name : KIKOFF LENDING LLCAccount Number XXXX XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXXBalance : {$24.00} ( as of XX/XX/year> ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/year> contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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. 

I wrote Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (LA)

XXXX reported a XXXX XXXX XXXX to your XXXX XXXX XXXX. 

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Account Opened : XX/XX/2023 Credit Limit : {$1800.00} The account used my social security number. XXXX with XXXX stated he is sending notification to the credit bureau of the fraud and mailing me notification that my claim has been resolved to my address. I am updating my current police report to reflect this case as this is not the first time this has happened.
Consumer complaint received 2023-09-01
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX
Consumer complaint received 2024-01-19
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. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (OH)

In accordance with the Fair Credit Reporting act XXXX Wakesfield and Associates 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 instruction. 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 instruction. In accordance with the Fair Credit Reporting act XXXX 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 instruction.
Consumer complaint received 2024-01-18
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. (TN)

Yes, Transunion was sent a letter from the Internal Revenue Service ( IRS ) that an ( XXXX XXXX XXXX ) account of a balance {$100.00} was cancelled per its 1099c! transition still reported this account as a delinquent collection account and could not verify this account. 
Transunion is also in violation of Federal law 15 USC 1681 ( B ) permissible purpose by reporting an account without the consumers consent. This account is also a violation of a private trust on record with the United States Secretary of State office, said trust name is XXXX XXXX XXXX a Private trust that transition has used its likeness and image this said trust is copyrighted XXXX XXXX XXXX. Transunion must remove this collection account immediately or face copyright infringement they have 5 business days to respond.This company has also violated federal law 15 USC 1681 ( I ) procedure in case of disputed accuracy and 15 USC 1681 ( C ) 5 Treatment of inaccurate or unverifiable information. This account is unverifiable because it has been cancelled by the i.r.s and discharged per private Trust on the record. Remove collection account XXXXXXXX XXXX XXXX {$100.00} now.
Consumer complaint received 2024-01-18
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. (PA)

Ive attempted to contact Transunion numerous times to alert them that I do not have a contract with XXXX XXXX XXXX, and that is not my address. They refused to remove it after I explained that it was harming my credit. I alerted them that I would pursue damages as well for violating FCRA laws governing consumers.
Consumer complaint received 2024-01-18
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. (NJ)

I am a victim of identity theft. Multiple accounts have been opened in my name and are negatively impacting my credit. Below I have listed the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove these accounts from my credit report.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NC)

Im writing to report abuse of power this company has called and threatened me about amounts that I do no owe this company. They have called my family members and call me names very rude company, I have never signed any form of contract with this company at this point its harassment which I will be seeking compensation for if the harassment doesnt stop. I want this account removed immediately from my credit report. According to law 605 ( b ) fcra states it is illegal to report information on my credit report without my permission. As well as pursuant to 15 USC 1692g. FDCPA 15usc169 ( e ) 807 ( 8 ). I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF T MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this XXXX  is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer. This alleged debt is not mine and I have never signed any contract with company. This has caused so much anxiety that I will be taking this to a lawyer for damages, According to law.
Consumer complaint received 2018-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing is the company that has my mortgage. I purchased this home in XX/XX/2005 as a sole borrower. I experienced job loss, death, and illness and fell behind in my mortgage. During the entire time SPS turned me down when I reached out for assistance. While I was unemployed and asking for assistance I was told there was nothing that could be done by them to provide assistance to because I was not working. When I became employed and reached out for assistance in regard to the mortgage being delinquent I was advised that they only had programs to assist unemployed borrowers. After getting married and asking for assistance with my spouse with our joined income over XXXX SPS advised that my spouse and I did not have enough income to be able to afford a modification, and work out plan. I was rescued through XXXX XXXX XXXX and they provided a XXXX payment to SPS and my mortgage was reinstated. After the mortgage was reinstated and applying again for assistance with a rate reduction alone with only my income of XXXX per year SPS stated that I can afford this mortgage and that there was no available options. I was quoted a reinstatement amount of XXXX in XX/XX/XXXX that would bring the mortgage current in XX/XX/XXXX. On XX/XX/XXXX SPS received a XXXX check from XXXX XXXX XXXX  on my behalf and I would begin making payments in XX/XX/XXXX with a current mortgage. This has turned out to not be accurate because SPS is quoting on the mortgage statement that I owe {$1600.00} in other charges. I speak with SPS often and this amount was never mentioned and I am unsure of where it is coming from. I will attach the last two mortgage statements for your review. In previous complaints filled by me on SPS I have accused them of racial discrimination and with the last statement I am assuming it to be fraud.
Consumer complaint received 2024-01-18
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)

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. 

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I applied for a hardship program with Capital One. Capital One turned my application down, citing : " My stated hardship reason does not qualify for a financial accommodation. '' I have been a valued customer for over seven years and have a perfect payment history reported on my credit reports. Capital One interest is significantly high, and I am drowning in the absorbent amount of monthly interest charged, with most of my monthly payments going towards interest. Capital One 's financial products appear predatory since their credit card products charge very high interest, coupled with their refusal to administer a hardship program on my account.
Consumer complaint received 2023-04-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (NJ)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2021 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to AFFIRM INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent AFFIRM INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. AFFIRM INC is now civilly and criminally liable for violating my consumer rights. AFFIRM INC union has yet to resolve this matter.
Consumer complaint received 2024-01-18
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. (NY)

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 Account Number : XXXX, XXXXXXXX XXXX  Account Number : XXXX, XXXX Account Number : 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 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 2023-09-01
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. (OR)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (AZ)

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

A wire transfer was sent by our Wells Fargo bank on XX/XX/year> in the amount of {$5500.00} to the beneficiarys bank in XXXX but after a number of unsuccessful traces, Wells Fargo has abandoned us that there is nothing that can be done and the recipient never received the money. 
Wire Transaction confirmation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please help. Thank you
Consumer complaint received 2024-04-13
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)

please delete XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XXXX the XXXX Citizens One Auto Financial had authorized XXXXXXXX XXXX XXXX  from XXXX, IL to repo the XXXX XXXX XXXX ( XXXX ) out front of my home and ordered by Senior Vice President XXXX XXXX. I had purchased this vehicle in XXXX of XXXX three old from and used. I had gone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Sale Consultant XXXX XXXX. I had traded in a XXXX XXXX because it was shot up in front of my home. I put down a {$3000.00} payment in order to have a lower car note. My car note had a 7.120 % {$660.00}. 

I always had sent my car not payment through the USPS because Citizens One address Citizens One Consumer Loan servicing XXXX XXXX XXXX XXXX XXXX XXXX the vehicle has been damaged by the towing company at the front of the hood, scratches are on the front and back area of the vehicle and a seat cover was removed from the passenger 's side, I feel that the contract has been breached and I am requesting for a review of the contract, also the claim that payments of XXXX, XXXX and XX/XX/XXXX they didn't receive they did, I have receipts