davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-06-09
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 — Investigation took more than 30 days
Company: Americas Car-Mart, Inc. (TX)

I writing to dispute the following inquiries and asking for their removal from my credit report. XXXX and XXXX are showing different XXXX XXXX said my payments XXXX a month and the account is charge off and closed.
Consumer complaint received 2023-04-11
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. (GA)

Again, I was a victim of identity theft and this is another request to delete or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the letters sent last XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX XXXX XXXXit Per 15 USC 1681 please remove the following accounts below.

XXXX XXXX XXXX ( open ) XXXX XXXX Balance {$23000.00} care credit ( open ) XXXX XXXX  It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, XXXX This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I CANT GET A HOLD OF THEIR CUSTOMER SERVICE. THEIR WEBSITE REJECTS ME AND TELLS ME TO CALL THEIR PHONE NUMBER AND THEY DO NOT GIVE ME AN OPTION TO TALK TO AN ACTUAL HUMAN BEING. THERE ARE ONLY LIKE 4 OPTIONS AVAILABLE THROUGH THE PHONE AND IF MY PROBLEM IS NOT ONE OF THEM, THEY SAY " I'M SORRY PLEASE VISIT US ON OUR WEBSITE '' THEN I GO TO THE WEBSITE AND THEY SAY " I'M SORRY PLEASE CALL US ''. THIS IS RIDICULOUS I'VE BEEN TRYING FOR DAYS TO TRY TO TALK TO THEM FOR HAVING THE WRONG SOCIAL SECURITY NUMBER THAT'S PROHIBITING ME FROM GETTING MY STUDENT LOAN WHICH IS INTEGRAL TO ME.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I do not owe LVNV FUNDING LLC for the amount of {$1700.00} and {$780.00}. This account is fraudulent. I never signed an agreement with LVNV FUNDING LLC. This company has failed to produce written documentation proving that I owe this debt. I demand LVNV FUNDING LLC to stop reporting this to the following credit bureaus : XXXX, XXXX, and XXXX.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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: AUTOMOBILE ACCEPTANCE CORPORATION (IL)

The company claim it does not belong to them but you are on there You're on my credit report I did not do an inquiry with you I did not authorize anyone to do it inquiry with you I told them according to the fair credit report act that if goods are not given the inquiry must be removed and they didn't do that and I don't recognize this inquiry cuz I did not do that
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

On XX/XX/XXXX18 @ XXXX, pre foreclosure actions were taken after speaking with Loss Mitigation Specialist, XXXX . 
Also, In XX/XX/2018, a cheque in the amount of {$1000.00} was mailed to me. The letter stated that I requested or someone requested on my behalf made the request for the amount of {$1000.00}. I did not make a request for this to be returned to me. Mr. Cooper personnel ( s ) made the decision to return cheque of {$1000.00}, placing me in preforclosure. 
In XX/XX/2018, a wire transfer of $ 5,000+ was made to Mr. Cooper XXXX My mortgage account was made current with this wire transfer and I resumed monthly mortgage payments. 

On XX/XX/XXXX2018, I called Mr. Cooper. I spoke with XXXX and I requested to make a partial payment of {$350.00}. I told XXXX that I would call the following week to pay the balance due. XXXX stated that this would be placed in system as unapplied fund. Confirmation # for this transaction:XXXX. 
On XX/XX/XXXX18, I called Mr. Cooper. I spoke with XXXX. I made payment of {$350.00}. I informed her that the balance of {$8.00} to be applied to the principal as the balance for the mortgage payment was {$340.00}. XXXX verbalized understanding. Confirmation # for this transaction : XXXX. 
Today, I received mortgage loan statement date XX/XX/XXXX2018. I noted that {$8.00} was applied as legal fees and adj-forbearance suspense. This is incorrect as the total monthly payment was made during the Grace period.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NE)

Yesterday ( XX/XX/year> ) I got a notification that my checking accounts will be closed in 10 business days. I turned XXXX yesterday and this was all very random. I tried calling Chase to have them explain but all they said is it was the banks decision and provide me with NO information. They also told me for the rest of my life I can not open a checking account with them. This was very inconvenient since I have credit cards with chase and all of my direct deposit is set up with this checking account. None of this makes any sense and I wish someone at least told me why.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (SC)

I have a credit card over 9 months any my XXXX XXXX is over XXXX an I have over 2000 in the account and am trying to borrow XXXX an cant get it but I think its because XXXX  is on my bank profile but I got married 1 year now
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an ongoing fraud case with all three credit bureaus, as I have several credit card accounts with fraudulent activity or accounts that simply aren't mine. Anyhow, representatives from Bank of America, one of the companies to which I allegedly owe about {$12000.00}, approach my house and threaten civil action against me and threaten to find me at my place of employment. Today, XX/XX/2023, they approached my XXXX XXXX and had her so upset that she had XXXX XXXX and had to seek medical attention. Their representative also went to several neighbors asking for my whereabouts. This is harassment in its lowest form, and it is now verging on XXXX  abuse. I have reference numbers from my fraud case if needed. Please contact me whenever you need to. Thank you.
Consumer complaint received 2023-11-12
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. (MS)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MO)

I purchased a PayPal card and put {$80.00} on it and went to activate it and I was prompt to call the number on the card whenever the company opened up at XXXX XXXX in the morning. So I did and they said there was an issue with my card that it was blocked. I was given the run run around and denied to be transfered to supervisor ; I waiting 20 minutes only to be disconnected from the first phone call ; then an hour the second one; finally I had a representative get on from the fraud department and she was extremely rude. Would not explain anything in detail and would not even listening to anything that I had to say. She just told me that although I had bought a PayPal card, It was XXXX XXXX  that I was transferred to and I had an account from the past and so therefore, for some reason unknown, she wouldn't tell me, I was being blocked altogether from my card that I just purchased. There was no way that they could refund me money right then and there. I explained to her. I was in the ice storm and on the side of the road until I got gas. And she didn't care. She was just extremely rude and said that I was no longer ever allowed to have a XXXX  account again. And then she just hung up on me. And so I called back again for the third time and finally talk to the PayPal people, and they couldn't figure anything out. They put me on hold and nobody ever got back on the phone again. I'm trying to get this resolved they're refusing to give me any information that is attached to this, any documented entries on the account. Everybody 's been very rude and very wishy-washy and saying one thing, and then just leaving me on hold forever. I really need my {$80.00} back from the PayPal card. Also, although the lady couldn't stress enough that I was no longer ever allowed to have a XXXX XXXX account, they still decided to use my information and go ahead and send me emails stating that I qualify for a XXXX  account. So now I'm just having junk email come in that I can benefit from.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

This complaint stems from an alleged debts that appears on my credit report as LVNV Funding. See Attached. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 approximately XXXXXXXX XXXX I received an email/text message stating to contact my bank to solve an issue and that my accounts will be closed. I then called out to them just to be told that the bank reached an decision to close my account without resolving any issue stated in the message/email. I have to wait 10 business days to receive my money I had in my account for my rent that I had to pay the remainder of today with understanding from my landlord. I have no clue whats going on and now theyre causing me late payments.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Credit Systems,Inc. (FL)

XXXX- not my account my identity has been stolen National credit systems- the XXXX XXXX , not my account my identity has been stolen XXXX XXXX XXXX- XXXX XXXX not my account my identity has been stolen
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, IC SYSTEMS I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections

392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . It's been brought to my attentio
n that IC SYSTEMS has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Sectio

n 1681b ( a ) ( 2 ). In addition to federal law, Texas state law, particularly Section 392.301 of
the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I assert with absolute certainty that I haven't provided consent for IC SYSTEMS to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws.

I demand, with unwavering certainty, that IC SYSTEMS immediately halt 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 specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that IC SYSTEMS will swiftly address these egregious violations, honoring my rights under federal and state laws.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/XXXX Wells Fargo and I came to a resolution about fees and charges on my loan. I paid the amount requested and assumed that we were all XXXX out. The company sent me a refund check .I was fine until XX/XX/XXXX at which time {$25.00} late fees and and a {$12.00} fee started to accumulate again. I paid my loan in a branch on the XXXX  of each month and the bank agree that all principle and Interest payments were made on time. I began again the long road of trying to call and get answers as to why the fees?

calling from a branch with a banker. Being on hold for hours. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received letters with promises to resolve my issues in a timely matter. After no resolution I requested the attorney General assistance. It looked promising when I spoke to XXXX. he listened, but never called me back as promised. Then a lady named XXXX   called ( ext. XXXX ) To say she had gotten the case and had to review all information She never listened and again never resolved the issue. I again called the Attorney General and he told me to contact you and the Secretary of the State.

This is having a negative affect on my credit score. Stopping me from buying a vehicle I need and a home I need. I am a XXXX   veteran and it is time to have a one story home and easier vehicle for transport.

I have overpaid the account by {$830.00} and do not have a clear title. I know daily they add interest, fees and charges.Please I need your assistance, as soon as possible.