davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

This company is reporting XXXX fraud inquires on my credit report, they sent a verification letter saying XXXX applications were completed over the phone however I am a victim of identity theft and will attach a picture of the mans face and name that has been using my name to apply for things and drive XXXX and other things fraudently he does not live in the same state as me so my local police cant do anything. I also did a FTC report my signature or identification is nowhere on the application I stay local I would have not needed to try or apply for a vehicle over the phone.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (LA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished.

FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Special Good Afternoon, I sent the attached letters to all three credit bureaus showing the inaccuracies between the three of them. As FCRA says i have a right to a fully accurate credit profile, I requested the accounts attached be deleted from my credit profile. Additionally, I requested a letter of validation with my WET SIGNATURE on the documents. I additionally received documents which did not contain them. Finally, I also requested information showing they are legally allowed to collect debt in the state I reside. I also did not receive this information as well. This letter was sent on XX/XX/year>. My follow up letters were sent XX/XX/year>
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (NV)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I was not late on my XXXX payments during the months of XXXX and XXXXXXXX XXXX XXXX. There was an error in my banks bill payer during XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-12
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. (NV)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Below, please find a summary of the inaccuracies that I am disputing in EXPERIAN : : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, 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. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXXXXXX - XXXX The following inquiries were not authorized : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Below, please find a summary of the inaccuracies that I am disputing : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, 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. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fuel Capital Group (FL)

On Wednesday XX/XX/XXXX @ XXXX est, I called into Strike Acceptance to request a loan modification due to my car being in with XXXX for major repairs ( engine replacement ) that the warranty company was not fighting us to not cover. Replacements costs are now at {$5000.00}. I was advised on a recorded line that a request for a modification rolling my XX/XX/XXXX payment to the back of the loan was submitted. That I would receive a confirmation of the request via email and confirmation of their decision within 24-48 hours. We are now at 5 days and I have not received a decision from Strike Acceptance and it has not affectively caused my account to go 30 days passed due and destroying my credit. I also asked that my address be updated correctly. It has not been changed as of today. When calling Strike Acceptance today XX/XX/XXXX, the supervisor that I spoke to stated that the request had been put in BUT I had to make a payment on XX/XX/XXXX for the modification to be approved. Not once in the disclosures read to me over the phone on XX/XX/XXXX was this stated to me. Not one once I notified as stated on the recorded call that was i notified via email of their decision. Again on XX/XX/XXXX I was advised that the request would take 1-2 business days and/or 24-48 hours for a decision. We are outside of this timeframe and because I, as the consumer called in to check on the status, I have not received any email confirmations as I was told. I am now 30 days passed due and mine and my fiancees ' credit have been ruined! Strike Acceptance today on the phone tried bartering with me which is a viilation of the FCRA rules and regulations, stating that once I make a payment, then they will approve the request for modification. Strike Acceptance has not called or emailed me stating that this was the case. I would have scrounge every XXXX  I had to make the payment on XX/XX/XXXX to avoid the 30 days late mark. Again Strike Acceptance is trying to barter with me which is ILLEGAL!!! Also, it was found on XX/XX/XXXX by XXXX, that the engine in the vehicle does not belong to my car. That the milage on my sales contract is not accurate.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My Venmo account got suspended this weekend due to some unusual activity. I don't know the reason, but I have a balance of {$720.00} that I need for groceries, and now it's frozen. Venmo won't let me release the funds to my bank account. I'm desperate.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against IC System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IC System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** IC System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that IC System ceases such practices immediately.

4. **Failure to Provide Disclosures : ** I.C. System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by IC System, and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between IC System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of IC System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an ACH reversal and so we should be ok now. The XXXX XXXX representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX XXXX XXXX XXXX  I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX XXXX XXXX XXXX XXXX XXXX on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-04-15
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. (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.

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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I told XXXX, Equifax, and XXXX to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b XXXX. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX. 
I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TN)

According to the FCRA, EXPERIAN is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting EXPERIAN to provide the documentation and prove that the information is indeed accurate. EXPERIAN has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If EXPERIAN does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. EXPERIAN is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument Diversified XXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX  XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXXXXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11.
Consumer complaint received 2024-04-20
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. (MS)

I personally disputed how my was being reported to this credit agency. I only received one response and i was told they were not going to take any action from experian in which i was told they thought i was someone else.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.