davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this 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 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 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NJ)

I was approved for a {$6000.00} credit card through apple. Shorty after I started getting fraudulent charges I tried to close out the account but apple informed me that all someone has to have is your phone number and you account can be hacked. They allowed my XXXX credit limit to be utilized to over {$30000.00}. There was another phone number connected to the billing that was not mine as well. Apple states that I should be fine but they keep saying that the debt it mine when I have is disputed. This has dropped my credit significantly and there is no way a XXXX limit can be exceeded to XXXX and I never utilized it. Apple now say to file a report so that I can properly dispose of false claims.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices
Consumer complaint received 2023-10-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I gave chase a federal Procendendo court order Notice For discharge of a double payment chase ignored the federal court order to return the funds, They made a chashier check for the credits then chase deposited the cashier checks into a Chase account and denied my federal court ordered claim 31 usc 9304 a ) When a law of the United States Government requires or permits a person to give a surety bond through a surety, the person satisfies the law if the surety bond is provided for the person by a corporation ( 1 ) incorporated under the laws of ( A ) the United States ; or ( B ) a State, the District of Columbia, or a territory or possession of the United States ; ( 2 ) that may under those laws guarantee ( A ) the fidelity of persons holding positions of trust ; and ( B ) bonds and undertakings in judicial proceedings ; and ( 3 ) complying with sections 9305 and 9306 of this title.

( b ) Each surety bond shall be approved by the official of the Government required to approve or accept the bond. The official may not require that the surety bond be given through a guaranty corporation or through any particular guaranty corporation.

Ucc 3-307 notice of breach fiduciary duties Ucc3-312 lost destroyed or stolen cashiers check, teller check certified check
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (PA)

CKS Prime Investments ( CKS Finanancial ) continues to report that my collections account is still open even though the balance is XXXX. 

It was confirmed with an agent at CKS Prime Investments over the phone on XX/XX/XXXX, that the account has been closed since XX/XX/XXXX. I called back on XXXX XXXX and requested that I receive documentation of this so I may provide it to XXXX XXXX and XXXX. 

After approximately, one month, I still had not received the document. I requested this again on XX/XX/XXXX and XX/XX/XXXX. I was told that they resubmitted the request and it just needs to wait for approval by the team who handles requests like these. 

I don't understand why this company can't report that the account is closed since it is paid in full, but they won't even send me the document I need to handle this with the credit bureaus on my own.
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (CA)

I don't have a contract with Exeter Finance LLC. on XX/XX/2023 I asked for the original contract and an audit trail of all accounting including the source of origination from where the lawful money was taken and given to me, I was not given any type of paperwork that I have requested. I feel there may have been a mistake because they didn't give me anything of value therefore, I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; I was forced to make complaints to the Attorney General, XXXX XXXX XXXX XXXX, the FDIC and the Office of the Comptroller of the Currency.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Technology Federal Credit Union (CA)

I spoke with XXXX in collections at First Tech Fed in late XX/XX/. We agreed on a payment of {$100.00} per month to pay off debt and to keep the account in-house - not to send it to their collections agency. 

No written communication was sent on the agreement. 

I week later, I receive a notice from their agency XXXX XXXX saying the debt was sent out to collections. 

I called XXXX XXXX, they confirmed the debt was owed to them. 

Today, I get a call from XXXX First Tech asking me if I was going to make the payment of {$100.00}. 

This is manipulation, obfuscation, an attempt at collecting the debt twice and disparaging my name with the credit bureaus at the same time.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NJ)

I used the company to send money to my XXXX  but I accidentally put in the wrong name I put in my name XXXX XXXX but the actual name is my name XXXX XXXX  but I recently changed it to XXXX in order to resolve any confusion but the amount was {$180.00} and I need it back very much badly
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

I need to re-document and refile this grumbling to WILSHIRE CONSUMER CRED.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2023-07-08
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 am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXXXXXX Regrettably, I have not received any response from Experian regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 

I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account Not Mine Account Number : XXXX Company Name : XXXX  Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account with Incorrect Late Payment Company Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXXXXXX  XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-30
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: General Motors Financial Company, Inc. (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Referring to Federal and Texas XXXX XXXX, GM FINANCIAL, I'm writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, particularly Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that GM FINANCIAL has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, Texas state law, notably Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for GM FINANCIAL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and showing an unequivocal disregard for federal and state laws. 

I demand, unequivocally, that GM FINANCIAL immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I stress that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that GM FINANCIAL will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2023, I sent XXXX a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!
Consumer complaint received 2023-09-21
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THATMY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

I am writing to complaint to NOWCOM/WESTLAKE FINANC about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (MD)

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, 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XX/XX/
Consumer complaint received 2024-03-13
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. (KS)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2023-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/2023 I received in the mail a letter from Cavalry Portfolio Services , LLC ( Cavalry ) stating that I owed {$9200.00} to them. I responded with a a letter to Cavalry on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested Cavalry provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of Cavalry 's ownership of the debt ), and details about Cavalrys authority to collect the debt on behalf of the original creditor in my state ( Florida ). Cavalry mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of Cavalrys purchase of the debt from the original creditor ) nor verification of Cavalrys authority to collect the debt on behalf of the original creditor in the State of Florida.
Consumer complaint received 2023-10-18
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: OPTUM BANK, INC. (DE)

XXXX returned {$1200.00} to my Utility Spending Account on XX/XX/2023 but the funds went missing for XXXX full months and did not return to the account until XX/XX/2023.