davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (MS)

I applied for a car loan through XXXX  XXXX and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company XXXX  XXXX in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was XXXX  XXXX, and also XXXX XXXX the rest I had Absolutely no knowledge of.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told ExperianXXXX XXXX XXXX XXXX to reinvestigate these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Below is a letter that I wrote to the collection agency after they provided less than satisfactory, inaccurate and unreferenced verification of debt through the XXXX XXXX after I filed a complaint " I am writing to dispute the validity of the debt referenced in your correspondence dated XX/XX/XXXX. Upon receipt of your validation of debt through the XXXX XXXX I found the information provided to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
1. The original contract from the creditor XXXX XXXX XXXX XXXX  The lease that you uploaded to the portal had expired XX/XX/XXXX, the debt that you are trying to collect from me opened on XXXX  and claims that I moved out on XXXX  I cant be responsible for a debt from a lease that had already been paid in full and expired 2 months prior. 
2. My liability for the {$4200.00} debt. The itemized statement that you uploaded does not have my authorization anywhere on it, I'm not aware of any of the charges on it and I never had an account with the account XXXX XXXX with the original creditor. In addition to this the charges on the itemized statements have no basis. {$2500.00} in charges are referenced as other & the remaining additional charges have no reference as well. 
3. Also the address that the collection agency provided to credit bureaus is inaccurate resulting in 3 letters to address my issues being returned.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-12
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX & XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (NY)

The company affirm authorized a loan that I did not process. The first alert came over XX/XX/year> and I reported it right then. The next one was today XX/XX/year> and they processed it even after I alerted and verified it wasnt me.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NV)

Get these perjurous panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2023-12-12
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. (OH)

I have sent validation letters via certified mail asking for proof creditor has not supplied it for XXXX XXXX  and XXXX XXXX. According to 15 USC 1681 law there should not be any damages on my report its a defamation to my character. Creditor is also violating laws 15 USC 1681 section ( a ) ( 6 ) ( b ) ( iii ) and 15 USC 6802 ( A ) ( B ). Has not provided me with proper debt validation for the alleged debt. The other credit bureaus were not able to properly verify the accounts & was required to remove the accounts from my report. How are they able to verify the accounts when all bureaus have access to the same information but refuse to send me what they verified it with and how?
Consumer complaint received 2023-12-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (FL)

I have been greatly affected by the incorrect credit score reporting by all 3 bureaus, Experian, XXXX and XXXX. It shows that I was past due on an account from XXXXXXXX  when this is incorrect. I have mailed 15 letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-26
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: PLANET HOME LENDING, LLC (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-12
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. (TX)

I certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.
Consumer complaint received 2023-12-12
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)

I have multiple fraudulent inquiries on my credit reports, I have disputed multiple times, I have contacted companies letting them know I am a identity theft victim & have tried my role times to dispute accounts & inquirys I have a collection on my credit report for the amount of XXXX that I am not responsible for, I have also tried to dispute this account multiple times I am currently trying to better my credit I also took steps by getting additional security added to by ssc # by gov
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (PA)

My XXXX statement from US Bank indicated a payment reversal debit adjustment of {$1200.00}. This was for a check written on my account with XXXX XXXX on XX/XX/2023. I received a cancelled check from XXXX XXXX showing US Bank received the check and they cashed the check. The copy of the check ha the US Bank endorsement. I have verification from XXXX XXXX. That the funds were taken from my account. 
Thus US Bank received the funds did not give me credit for payment and they have keep the funds, in affect stealing my money. 
I have contacted customer 6 times with no satisfaction. We had a conference with US Bank and XXXX XXXX last XXXX and were told no one was there who could deal with the issue. They did ask that we forward our documentation to them. I informed them that the documents including the cancelled check with their endorsement was faxed on XX/XX/XXXX. After a delay of approximately 15 minutes ( on Hold ) they acknowledged receipt. 
They informed the representative from XXXX that a supervisor would contact me either later on XXXX XXXX XXXX. No contact has been made. US Bank has my money and I want it back
Consumer complaint received 2023-12-12
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. (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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ====================================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account due to a scam I had no part of, someone that I did not know sent me a XXXX, I later got a call saying I had to send that money back which I did. It seems that the actual owner of the account that sent me money reported me saying that I scammed then when I in fact had nothing to do with it. As a result of this Bank of America closed my account even when I made a report about this, this happened last year
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.
Consumer complaint received 2024-04-02
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENOVA INTERNATIONAL, INC. (DC)

ENOVA and subsidiaries filed a suit without merit or notifying me. Also, it was filed and state where I do not reside, work or do business in. Also, it was harassment against me at a house I do not reside at currently due to water damage per a leak which lead to mold remediation and ongoing repairs. ENOVA illegally left sensitive documents where a worker at the house saw sensitive information. Also, It was illegally and incorrectly left for a company that is not at this address. There is no company at this address. Also, Another company reached out to me informing me of the lawsuit. We were in the process of discussing dismissing this claim against me with regards to communication with ENOVA and XXXX XXXX XXXX XXXX So I was blindsided by the lawsuit while getting resolution via CFPB, XXXX, and Attorney General Office in Chicago. I was informed of the lawsuit by a company called XXXX XXXX, XXXX. This matter is being mediated with XXXX, CFPB and Office of Attorney Office in Chicago. This company and subsidiaries and parent companies are predators and anti-Black American. We will fight this unjust claim as this company continue to humiliate, defame and slander me.
Consumer complaint received 2023-08-28
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. (NY)

My credit report shows a late payment on XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, At first, I would like to request the removal my name permanently from the preapprove credit offer mailing lists that your company provides to businesses. These are necessary information for this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Next, I want to dispute and complain some content on my credit reports. Due to the multiple times of email notices of your companies, previously, I requested to remove the part of statement in it, which state I am on duty of military. Since I am a XXXX nationality and was born in XXXX I dispute this content should be a mistake or written in fraud by your company upon some impersonated third person. Even though I submitted the necessary documents to remove it, since these emails have stated same thing, I would submit the document which tells my name and address along with the copy of social security. Therefore, I request to remove the written content of military duty and give the explanation of this addition to my credit report. 

Thirdly, one of email addresses of your company, XXXX, continuously sent me the credit report every day, and they state that one of my XXXX XXXX XXXXXXXX does not have any transactions, since there has been {$0.00} balance and {$0.00} scheduled payment ; even though I continuously use and pay every month. Also, they say this card was closed in this XXXX, even though I still use. Would you explain this discrepancy with reality? Even though the report asks to contact with XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I request you to clarify the matter within your company as your company responsibility. 

Sincerely,