davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. I'VE SUBMITTED AN COMPLAINT ON XX/XX/2023, IT IS NOW XX/XX/2023 AND THE INFORMATION IS STILL REPORTING UNCHANGED. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Kia Motor Finance has been reporting to all 3 bureaus, XXXX, XXXX and XXXX, that my account has been past due, with missed payments for over 2 years. KMF is also reporting differently through each bureau. This is an error is KMF system, as my payment history will show that I have been faithfully making my car payments.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-06-04
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

Auto loan was paid off by insurance company for a total loss (   XXXX    ) with a posted date of  XXXX  XXXX /17. Gap insurance covered remainder of loan (   XXXX   ) with a posted date of  XXXX / XXXX /17. A payment was made during insurance settlement on  XXXX / XXXX /17 of   XXXX   resulting in a loan overpayment of that amount. Statements show a reverse payment was issued on  XXXX / XXXX /17. Spoke to lender and was informed a " explanation of payment '' form from GAP carrier was needed. Form was email on  XXXX / XXXX /17 to myself and lender to email address that was furnished to me. Funds from reverse payment have not been issued after several attempts to obtain explanation.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

GOOD EVENING, I HAVE TRIED SEVERAL TIMES TO HANDLE THIS WITH THE COMPANY BUT I ALWAYS GET THE RUNAROUND. 

I DID NOT OPEN THIS ACCOUNT. THIS ACCOUNT IS A DIRECT RESULT OF IDENTITY THEFT. PLEASE HAVE THEM CLOSE THIS ACCOUNT, STOP ALL COMMUNICATIONS WITH ME AND HAVE THEM STOP REPORTING TO MY CREDIT. 

ITS STOPPING ME FROM BEING ABLE TO RENT AN APARTMENT. 

THANK YOU!
Consumer complaint received 2023-06-04
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)

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote Transunion, XXXX and XXXX  in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXXfor an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and found unknown and unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX ( XXXX  XXXX ), XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ) 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX XXXX Account # : XXXX XXXX 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 a writing 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 antedate the report for seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-05-01
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: Nelnet, Inc. (MD)

After the pandemic pause, my student loans were transferred to XXXX. Nelnet/Department of Education is still reporting the accounts to XXXX and XXXX as open. XXXX XXXX is correct
Consumer complaint received 2024-03-27
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. (TX)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts [ XXXX XXXX XXXX ]. [ XXXX # XXXX ], [ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 



And one more thing according to 15 USC 1681s-2 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (CT)

I had a secured credit card with key bank .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to key bank on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a XXXX XXXX dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.XXXX  and XXXX have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (AZ)

hard inquiries on my credit report with no permission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-04
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. (IL)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/2024 I paid a person I bought an item from off XXXX marketplace {$700.00} on Venmo when it was suppose to be {$7.00}. I immediately called Venmo customer service and they advised me to reach out to the person and do a request money back. That person I do not know personally therefore they ignored me. So since Venmo was no help I called my bank to do a stop payment in which I had to take time out my day to go by the bank to sign a document and then pay {$32.00} to stop the payment. Well Venmo took it upon themselves to pay the person {$700.00} after my bank didnt stop payment and now my Venmo account is frozen and Im in debt collections. I DID NOT AUTHORIZE VENMO TO PAY THIS PERSON {$700.00} WHEN IT WAS SUPPOSE TO BE {$7.00}. So again I reach out to Venmo because now anytime someone sends me money via Venmo they automatically take it from the {$700.00} balance I apparently owe them. Venmo customer service states there is nothing at all they can do. I request to speak to a supervisor and all he suggests is that they will check to see if they had a glitch in the system during that transaction and he will send me an email for an update. Today is XX/XX/2024 and I have received no update. I am being penalized when I immediately called Venmo customer service when I noticed the mistake. So now I have to pay {$700.00} to Venmo to get my account unfrozen and Im in collections because of this as I am continuously told there is nothing they can do. I dont understand why they paid the person in the first place without my permission.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Credit Resolution, Incorporated (LA)

XX/XX/2018 -- Received a call from ( XXXX ) XXXX with a threatening voicemail. " Hi ***** this is XXXX with XXXX XXXX. I am calling because a claim has been filed against your name and social security number. Please be advised, you have been scheduled to receive a final demand letter to be delivered to your location or place of employment and we wanted to talk with you before you sign that certified document. I highly advise you contact my department at XXXX ''
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (GA)

I have attached a copy of letter received on or about XX/XX/XXXX regarding this dispute. I called company on XX/XX/XXXX and requested that they not make the change request referenced in the letter. The representative stated another representative would call me back on XX/XX/XXXX to accomplish this. I called today on XX/XX/XXXX and had a live chat that I have attached a copy of. When the manager attempted to call me back the number was flagged by my phone as spam and sent to my voice mail. When I called the number in the voice mail message I was sent back to regular customer service.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/year> I sent a XXXX transfer to a friend of mine that I had been paying every month in the amount of {$400.00}. The XXXX was never received and after probably XXXX complaints and hours on the phone and email correspondence I have received the final answer that nothing can be done. They say the transaction was successful and that I authorized this transaction. I have talked with my friend and her bank directly and they both confirm the XXXX transfer was never received at the account it was sent to. 

I am refilling this complaint for the same issue because even though I authorized the transaction the funds never reached the recipient. If the bank looks at the previous XXXX transfers they were all to the exact same person and same account. There were no issues until this XXXX transfer occurred. Even though I authorized a transfer they did not deliver the funds to the intended recipient. If they do not refund the {$400.00} that has been taken from my account and still not accounted for, I will be closing my Wells Fargo account as well as reporting them to the XXXX XXXX XXXX