davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (MA)

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. 

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-04
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: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage has verified as accurate information they submitted to CRAs from XX/XX/XXXX until XX/XX/XXXX. In mid XXXX XXXX 14 months after this account was transferred, they CHANGED information to corroborate with XXXX XXXX.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (PA)

I cancelled my subscription with XXXX in XXXX of 2023, returned all equipment in XXXX of 2023. I had a remaining balance of {$510.00}. 
I made monthly payment of {$50.00} in XXXX {$25.00} May- {$25.00} XXXX. 
XXXX of 2023 XXXX sent my account to collections. I called XXXX and advised them since I was making monthly payments this account shouldn't be placed in collection or reporting to my credit report. I was advised- Since the account was already sent to collection there was nothing that could be done until I pay the account in full.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit Crard Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-10-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

cash central loan was bought by their subsidiary and paid off yet it is still showing on my XXXX and XXXX  credit reports as a negative account. I am being doubly credited on my credit account. one of the accounts needs to be removed
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. 

There are two student loans from XXXX in the amounts of {$99000.00} and {$120000.00} showing on my credit report with XXXX and Experian. These loans were consolidated in XXXX and transferred at that time from XXXX to XXXX. In XX/XX/XXXX, the loans were forgiven under XXXX. Erroneously, XXXX and Experian still reflect that these loans are open with XXXX. I filed disputes with XXXX on XX/XX/XXXX and XX/XX/XXXX and with Experian on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. 

On XX/XX/XXXX I contacted XXXX and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. 

On XX/XX/XXXX I contacted XXXX again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. 

On XX/XX/XXXX I was contacted by XXXX Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc. (OH)

Ive never been contacted never heard of this company KINGSTON DATA AND CREDIT and the this is not my debt I never had a membership with XXXX XXXX XXXX my brother stole my identity and I have been going through this for month I have a police report number
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
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. (GA)

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from my transunion & XXXX credit reports as soon as possible : XXXX XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$1200.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX amount owed : {$1800.00} XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) amount owed {$0.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.
Consumer complaint received 2023-07-18
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)

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Verification XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Unverified Account
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (FL)

On XX/XX/2023 we traded in our XXXX XXXX that was financed with Driveway Finance. On that day I logged into my online account with Driveway Finance and provided the dealership with the payout amount. Our next payment was due on XX/XX/2023. On XX/XX/2023, Driveway Finance deducted {$360.00} from my account. When I noticed and logged online, my " auto-pay '' was turned off. I called Driveway and I was told that the new bank ( XXXX ) did not pay the total amount and I was charged with the difference which included a late fee for the XX/XX/XXXX payment, a returned check for the XX/XX/XXXX payment, and a late fee for the supposed XXXX payment that I was not even aware. The representative informed me that XXXX sent a payment of {$33000.00} and the total payout was {$33000.00}. The XX/XX/XXXX late fee was {$31.00}, the return fee {$25.00} and the XXXX late fee was {$39.00}. The numbers simply don't match. 
So I asked the representative to provide me with a statement with a complete history of payments, dates and loan information. She informed me that she would need my personal email because the email on file is my work email and per policy they can not send to a work email or business. I questioned the reason because I used my work email to create the account online and have received emails from Driveway Finance in the past. 
My complaints are the following : XXXX Lack of information available to consumer. The portal where we access the account does not show payment history, fees or any other essential information related to the original loan. 
XXXX Lack of communication. I have not been emailed or received a letter notifying me that I still owed them money. 
XXXX Unauthorized charge. My account auto-pay was turned off and yet I was deducted money. 
XXXX Lack of transparency with consumer related to information request. If a work email or business email can be used to open an online access, therefore the same email should be used to receive documents related to the account.
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: Experian Information Solutions Inc. (NC)

I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on Experian and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.
Consumer complaint received 2018-10-15
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 — Was not notified of investigation status or results
Company: BTH Management (AZ)

On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX  XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (TX)

I am writing this on behalf of my XXXX XXXX XXXX father. Someone took out a personal loan online through Wells Fargo in XXXX of 2021. 
We have been fighting with Wells Fargo ever since. 
We have proved 3 times that this is a fraudulent loan. 
There were charges made in AZ and we have proved that my father, XXXX XXXX XXXX was living and working in TX at the time. 
Three different times, Wells Fargo has stated to me, over the phone : clearly this is fraud, and then another dept has suddenly closed the case about it. I have submitted all of the paper work over and over. This is truly elder fraud abuse.

We are currently waiting for the money to be replaced and they keep saying that " It's hard to get the money replaced. '' After 14 months, I need help. I'm not sure what else to do. 
I have spent hours and hours on the phone with different departments, going to branches. 
Plz advise. My cell is XXXX. My name is XXXX XXXX XXXX I have the power of attorney so that I can act on my father 's behalf. Any help is much appreciated. Obviously, Wells Fargo is notorious for it's unethical biz practices for years and years.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Upon receiving my credit reports from XXXX XXXX XXXX XXXX on XX/XX/2018, I noticed a negative/derogatory line item from XXXX XXXX XXXX, XXXX in the amount of {$6300.00}. I have sent two certified letters to XXXX XXXX requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. XXXX responded by saying that they verified the account. However, they have not shown proof of my signature. XXXX went on to say ( in their most recent letter ) dated XX/XX/2018, " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Original complaint ID XXXX Synchrony Bank Original complaint ID XXXX XXXX XXXX Missing credit of  {$1300.00} from XXXX XXXX. Here is the trace ID for the transaction on XX/XX/2023. 

XXXX XXXX claims no involvement and recommended I go back to Synchrony with this trace ID provided by XXXX XXXX. 

Here is the trace ID for the refund. The cardholder can provide this to their bank to trace the refund.XXXX