davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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. (SC)

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 XXXX XXXX XXXX. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX  XXXX XXXX Account Number XXXX ORIGINAL CREDITOR 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 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 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 convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I sent XXXX letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Sent letters to dispute LVNV Funding LLC to credit bureaus. Credit Bureaus responded back that the account was verified. Since I know that the Credit Bureaus never do a proper investigation, that's when I decided to dispute with LVNV Funding LLC directly. I do not have a contract with LVNV Funding LLC and I wanted them to send me account validation by providing the requested documentation that they never provided. As per the letter I sent to LVNV Funding LLC they had up to 30 days to send to me all documentation requested or stop all collection activity. Since LVNV Funding LLC never provided none of the documentation, these accounts needs to be deleted from my consumer credit report immediately.
Consumer complaint received 2023-06-02
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was involved in an accident. capital one has put a late on my credit report. I spoke with them multiple times before and after. I was told my car is being paid off from my accident. Please call by this date in XXXX of 2023 to make sure there is no amount still owed on the car to not have a late on your credit. I called on the date I was told to and told to pay directly through my account not a card just to make sure payment goes through on time. My very last amount that insurance didnt cover. The late is on my credit and its stopping me from buying a home. I need this fixed please. Capital One doesnt do what they say and they are very rude about it.
Consumer complaint received 2023-04-14
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. (CA)

The following inquiries are fraudulent and were not authorized by me. I believe this is an extreme lack of security in your company. I need is a violation I believe this is an extreme lack of security in your company. And a violation of my rights. 

1 ) XXXX XXXX Inquiry : XXXX XXXX, XXXX 2 ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXXnquiry XXXX XXXX. XXXX, XXXX
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

On XX/XX/XXXX I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and did final walk-through of apartment along with handing in my keys. XXXX XXXX never sent my apartment deposit back {$1100.00} and also never forwarded a final closing statement to me at my new address in XXXX XXXX which I gave them. ( I paid all my rent that was due at time of move out. ) They specifically asked for my forwarding address. 
On XX/XX/XXXX I was notified that I have a new collections account by credit report alert Fair Collections & Outsourcing ( XXXX XXXX ) for {$670.00}. I have never received any statement about this debt.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I had two XXXX transactions on my chase account to XXXX {$250.00} and XXXX {$200.00} which I did not recognize. I called chase on XX/XX/2023 they filed a claim and gave me new log in as well as a temporary credit. Today XX/XX/2023 they reversed my credit and re refusing to fix it. Im short {$450.00} that I dont recognize please help
Consumer complaint received 2023-06-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

On XX/XX/XXXX, my Chime card was stolen while i was on vacation. i called the number on their ad, and it turns out to be scam. After I realized it, and lost XXXX I called Chime to dispute and they denied my. I filed sn appeal and they denied that too. I just want my money back. It is crime and they are no participating in it.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

There are several Fraudulent Disputes on my Experian Account. On XX/XX/2023 there is an Account Dispute, XX/XX/2023 again there is an Inquiry Dispute and XX/XX/2023 an Address Dispute. I never submitted these Disputes. The only Dispute I submitted this year was in XXXX regarding updating my address. I contacted the Dispute Dept on Friday, XX/XX/2023 after discovering the disputes but there was no resolution to the problem. I was not permitted to speak to a Supervisor or any other Dept that could help me.

I also questioned the representative about an open credit account that was removed from my Credit Report and asked why it was removed. I was told due to Identity Theft. I explained there was no Identity theft involved and the account is still open.. I explained the account should not have been removed. I was told it would not be put back on my Credit Report. XXXX  XXXX ( The Creditor ) is still reporting to Experian once a month. 
I asked for someone in the Fraud Dept. I was refused even though this is a feature of my Membership.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I have an Apple card and savings account with Goldman Sacks, which had been restricted for unknown reasons for over a week. I had a missed call and left a voicemail from Goldman Sacks asking me to call back the number ( XXXX ) XXXX. After calling the number I was advised that I need to wait for the call back to verify my identity. It's been more than 1 week and still waiting for a call back to verify my Identity. Even after numerous chats and calls to Goldman Sacks, I was unable to unlock my card, and customer service reps stated there was nothing they can do and asked me to wait for a callback. I think it is unacceptable to lock my card and savings account and have customers wait for weeks for a callback and have no other option to un-restrict their cards. This is a bad practice on the part of Apple Card/Goldman Sacks . It is not fair to suspend customers ' cards and savings accounts and have them wait for a call back from a special department to handle suspected fraud, every major credit card issuer and bank deals with this kind of verification within 1 call. Dear cfpb please investigate the bad practice on Goldman Sacks part. There are numerous complaints on the web with the same complaints, people have to wait months to get a call back from Goldman Sacks in order to verify their identity. Please Investigate!
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (MI)

Credit Corp Solutions. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Credit Corp Solutions. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$730.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TN)

This complaint is about Commonwealth Financial Systems , Inc . I was never contacted by this company via mail to show my account was in collections. They can not verify this account is mine. They will take your money and never report it to the credit agencies. Its purely a scam. I feel bad for anyone affected by this company because theres really nothing we can do. My XXXX XXXX has dropped XXXX points due to these scam artist
Consumer complaint received 2023-06-02
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)

I am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries 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 I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter. 

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (MS)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2023-06-16
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Finance is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Hyundai Finance update my credit report and only report a correct, accurate, and true balance statement.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number XXXX.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

XXXX XXXX/ Lakeview should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in XXXX as " posted '' do not draft from my account. I have confirmed routing and account number ; a XXXX rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to XXXX. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. I have had no problems with XXXX, my previous loan servicer. As a result of XXXX 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my credit.
Consumer complaint received 2023-06-02
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: Exeter Finance, LLC. (GA)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (DE)

The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be UPDATED TO PAID AS AGREED immediately. 

Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Update to paid as agreed XX/XX/2023, XX/XX/202XXXX XXXX
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. As a new user, I have not had the opportunity to engage in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal prioritizes the security and safety of its users, and I appreciate the measures in place to protect the platform. However, I believe there might have been a misunderstanding or an error in the assessment of my account. 

I kindly request you to thoroughly review the situation and provide specific details regarding the reasons for the blockage and limitation. I assure you that I am committed to adhering to PayPal 's rules and regulations and would like to resolve this matter as quickly as possible. 

I would like to emphasize that as a new user, I have not initiated any transactions or taken any actions that could raise concerns. I am eager to comply with any necessary procedures to verify my identity and regain full access to my account. 

To facilitate communication, please use the email address associated with my blocked account : XXXX. Kindly provide updates or any further instructions through this email. 

I am more than willing to provide any additional information or documentation required to verify my identity and resolve this issue promptly. Please let me know the steps I need to take to rectify the situation. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing this concern and enabling me to fully utilize the PayPal services. Should you require any additional information, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX