davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (VA)

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 items ( A ). It is not permitted to report these items 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 correction 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 XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt. 
Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (NY)

I SENT A CEASE AND DESIST TO MIDLAND CREDIT MANAGEMENT FOR XXXX ACCOUNTS THAT HAS BEEN FURNISHED TO MY CREDIT REPORTS. I ALSO REQUESTED THAT MILAND CREDIT MANAGEMENT PRODUCE TO ME MY WRITTEN EXPRESS CONSENT TO FURNISH THE ALLEGED ACCOUNTS OR PRODUCE TO ME THE EXPRESS CONSENT OF A COURT OF COMPETENT JURISDICTION TO FURNISH THESE ALLEGED ACCOUNTS. MIDLAND CREDIT MANAGEMENT DID NOT PROVIDE TO ME WHAT I REQUESTED AND KEPT THE TRADELINES ON MY CREDIT REPORTS WHICH IS AN INDIRECT FORM OF COMMUNICATION AND ALSO AN INDIRECT ATTEMPT TO COLLECT THE ALLEGED DEBT. I CALLED ON XX/XX/year> AND SPOKE TO XXXX XXXX, A CONVERSATION WHICH I HAVE A RECORDING OF, AND MY ARGUMENT WAS THAT MIDLAND CREDIT MANAGEMENT IS NOT IN COMPLIANCE WITH FEDERAL LAW SINCE IT HAS VIOLATED XXXX XXXX XXXX ( C ). I TOLD HIM IF THEY WERE UNABLE TO PROVIDE ME WHAT I REQUESTED AND SUPPRESS THE TRADELINES THEN THIS IS IDENTITY THEFT BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH XXXX XXXX OR MIDLAND CREDIT MANAGEMENT. HE THEN TOLD TO ME TO SEND A FTC REPORT WHICH I DID ( I HAVE THIS RECORDED ). THESE ACCOUNTS ARE CAUSING GREAT HARM TO MY FAMILY AND I. I HAVE SEVERE XXXX AND ANXIETY DUE TO THESE ACCOUNTS THAT HAD BEEN UNLAWFULLY FURNISHED TO MY REPORTS.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX 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 XXXX XXXX XXXX ( 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-19
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. (NY)

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (WI)

Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 XXXX XXXX XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, XXXX and equifax destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NE)

synchrony bank charges a " payment security fee '' on top of interest in the event of a life illness or event to cover minimum payments. Its basically insurance. 

The problem is this is AUTOMATICALLY enrolled when you don't make a full statement payment. No notification, no manual enrollment- and the only way you can cancel it is by calling them so they can be pushy and engage in shady sales tactics. They offer other ways of customer service ( chat ) but do not let you cancel that way. 


My issues are as follows- Deceptive fees and advertisements insurance should be manually enrolled in separate from the application of the credit card, not forced enrolled Cancelation should be possible through all avenues of customer services offered ( ADA violation ) Regardless of the legality of these fees ( I don't think they are or should be ) The CFPB should investigate synchrony anti-consumer behavior.
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (NC)

A few weeks ago, I received a letter from the IRS stating someone falsely filed tax returns in my name for the years of XXXX the NC department of revenue informed me that someone falsely filed tax returns in my name also for the years of XXXX, XXXX some is going around impersonating me and doing things with my name and social security number. I tried to file police reports recently but the sheriffs office here in XXXX XXXX told me that they can't get ahold of anyone to take a report. I only have one report from a few years ago where I was scammed. I would like for mariner finance , llc and XXXX XXXX to cancel my loans with them. I have tried to do this in the past but they would not work with me.
Consumer complaint received 2023-07-19
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. (GA)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (OR)

I am getting extremely frustrated with grain technology. This companys app does not work and now they have reported me as delinquent on my credit. I am unable to pay via card, Im unable to change my bank information. It is almost impossible to make any type of a payment with this company. They do not respond to you and I have reached out to them dozens of times. Currently, Im trying to make a payment on their pathetic app, and I click on the pay now button and absolutely nothing happens, they keep on telling me that they sent deposits to my bank, my bank has never received them. And now they are damaging my credit by saying Im 150 days delinquent when Im unable to even do any type of business with them. This is an absolute scam with this company.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted several disputes to two major credit reporting bureaus ( XXXX/Equifax ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all XXXX bureaus. To date, XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$200.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXX. Equifax is also reporting a {$0.00} credit limit. XXXX is reporting a {$200.00} credit limit. XXXX is reporting XX/XX/XXXX payment history as " paid ''. Equifax is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the XXXX and Equifax disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One- Platinum credit card reported to all Three Credit Bureaus On XX/XX/2023, {$75.00} of none payment due financial hardship Im highly impacted by the creditors decision. However The law Reporting act XXXX Account # XXXX, has violated my rights 15 USC has 1681 section 602 states I have the rights to privacy 15 USC 1681 section 602 A it also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so | May review to see if this is actually an account that belongs to me Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus refuse to increase my credit to the correct level. They are forwarding incorrect credit to my credit card companies as if I have delinquent loans and outstanding balances. My credit is clean. I only have a XXXX XXXX XXXXXXXX credit card that is open and in good standing
Consumer complaint received 2022-10-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; EXPERIAN XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}