davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX # XXXX The above account names has violated my rights 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 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 an accurate
Consumer complaint received 2024-04-24
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 (MN)

Date of last payment as well as date of balanced update inaccurate XX/XX/XXXX XXXX XX/XX/XXXX. Delinquent date inaccurate XX/XX/XXXX XXXX XX/XX/XXXX information coming from same how are they different, inaccurate please remove ASAP do to FCRA noncompliance. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

This account was charged off on the following date ( XX/XX/2019 ) since then the payment history is inaccurate and I never made a payment on that account. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse. 

To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws. 

I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly. 

I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Date received unauthorized opening of credit card through Chase Bank. XXXX XXXX XXXX. Date received card was XX/XX/2024 in mail. Contacted Chase fraud department and they assisted me in closing account and referred me to contact XXXX to report issue. XXXX also recommend that i should freeze credit report for 12 months, which i complied.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I paid XXXX XXXX XXXX the amount of {$170.00} to create a remaining balancing of {$0.00}. XXXX XXXX XXXX sent my account to collections on XX/XX/XXXX to the collector transworld systems inc. I contacted transworld inc on XX/XX/XXXX to notify they can no long be on my credit report because I already paid the original creditor XXXX XXXX XXXX and there is no debt to be collected anymore. Transworld inc has refused to remove themselves from my credit report and stated that they will list my account balance as XXXX. XXXX XXXX XXXX has already informed transworld the account was paid in full.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my XXXX XXXX from XXXX and Experian credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

As this debt is under dispute in accordance with the Fair Debt Collection Practices Act, it is imperative that you immediately cease all collection activities pertaining to this alleged debt. This includes any reporting to consumer reporting agencies such as XXXX, XXXX, and XXXX. 

I want to make it explicitly clear that you do not have my consent to communicate with me through any medium. Moreover, I did not authorize the disclosure of my personal and private information to your organization, which constitutes aggravated identity theft. Additionally, I did not consent to the reporting of information in my name to consumer reporting agencies. 
Furthermore, it has come to my attention that the original creditor is in violation of the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties without providing me with the requisite notice as outlined in section 6803, nor allowing me the opportunity to opt out pursuant to 15 USC 6802. Your involvement in this matter makes you an accomplice to this violation.

I demand that you furnish me with the " Aggravated Value Of Purchase, '' demonstrating how much you paid for this debt. It is crucial to note that attempting to collect any amount beyond what was paid for this debt constitutes a material misrepresentation, which amounts to fraud upon the court and is both false and misleading.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DE)

During the month of XX/XX/2024, LVNV Funding LLC reported a collection account on my Consumer reports. Upon my own Investigation LVNV Funding LLC does not have the legal right to take debt collection in my resident state of Delaware. LVNV Funding LLC is exhibiting abusive debt collection practices and blatant fraud for trying and reporting that they are attempting to collect a debt from me while being a resident of Delaware.
Consumer complaint received 2022-11-21
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)

On XX/XX/2022 I submitted a complaint stating that an account was opened with XXXXXXXX XXXX that I didn't authorize nor give my consent. I also attached a FTC report in proof on identity theft. TransUnion removed the account from my consumer file and since have reinserted this fraudulent account stating that it has been verified. On this investigation results TransUnion is also reporting on this notice that the account in question address is XXXX XXXX XXXX, CA Exhibit A. After I viewed the other two credit agencies I discovered that all three Credit reporting agencies are reporting different addresses for XXXX XXXX XXXX Exhibit B, C & D So now the question is who is this company that verified this account. I XXXX the address Exhibit E and the address that TransUnion is reporting is not the correct address.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

1. They are reporting me 30 days late for XX/XX/XXXX updated on XXXX with the wrong balance again. It is not the end of XXXX. 
2. Same thing for XXXX, XXXX and XXXX of XXXX. 
3. I have an agreement from Ocwen Mortgage Services that due to XXXX and Medical problems for myself and wife which was transferred to PHH Mortgage Services and Verified with PHH when transferred. The agreement allows me to be 30 days late after the XXXX of the month which is the last day to pay. Then they couldn't find it and asked me to email a copy which I did. They lost it though I got a letter of receipt. 
4. They are holding up cashing checks
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (WA)

Audi Financial provides unreadable documents in their financial services portal and then is not available to be reached. When I reply to the financial services portal a response is never received. Customers work during Monday to Friday if Audi would like us to keep our job so that we can pay their outrageous payments then they need to be open when people are not at work. 

Documents are sent in this " portal '' but can not be read or downloaded throughout the entire XXXX  year. The car payment is late so what, its paid every month. Stop harassing your customers or you won't have any. I will never purchase an Audi again in my lifetime and I hope no one else does either. 

At the very minimum this company needs to provide the documents they are trying to send. Otherwise quit wasting our time and send the paper document in the mail. Your portal does not work and it has always been a complete joke.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

CITICARDS CBNA ACCOUNT # XXXX REPORTED XXXX DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NJ)

I submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CO)

Aspire knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AL)

Creditor info : SYNCB/AMAZON XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  There's XXXX of these on my XXXX XXXX and I have no idea where they've came from. I've been XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

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 2023-03-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-28
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: NAVY FEDERAL CREDIT UNION (GA)

My NFCU XXXX XXXX XXXX is a frozen state despite it showing on my credit report as an active charging card. I have made payments for YEARS and do not have access to any of these funds. NFCU is engaging in fraud. 

This is the same issue I have with my Checking Line of XXXX. NFCU keeps these dead accounts open on their balance sheets but don't allow consumers to access these funds.
Consumer complaint received 2022-11-28
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. (OH)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

1. XXXX # XXXX 2. XXXX # XXXX 3.XXXX XXXX  # XXXX 4. XXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.