davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (LA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear XXXX XXXX, I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) XXXXAccount Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXX XXXX  may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Consumer complaint received 2022-12-06
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (FL)

I took out this solar panel loan with loanpal for {$21000.00} back in XXXX  @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. 
I ask them to rewrite to loan and they say no.
Consumer complaint received 2024-09-19
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. (AZ)

Dear Experian, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my Experian credit report dated XX/XX/year>, I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report.

Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. 

Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Took out a Title Loan on a vehicle for the amount of {$2500.00} Paid on this loan on time for 5 months. The interest kept raising, to where I was unable to afford the 500 % increase in this loan. 

The vehicle was repossessed by XXXXitle Company " 800 Loanmart ''. 
Their address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number : XXXX However, they continue to add interest to this loan and keep it on my credit reports as in default of {$17000.00}. with the account " charged off '' in the amount of {$2500.00} They continue to charge interested on a loan that was charged off and repossessed.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

Account name : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX has violated my rights This information is not only inaccurate but an extreme hindrance on my current journey. This is preventing me from getting a new credit card, qualifying for a new home or car purchase for myself and my family, as well as not allowing me to qualify for funding on my current business endeavor. 

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

15 USC 1681 section 604 A : 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 items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 2017-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).
Consumer complaint received 2023-08-18
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-17
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. (NJ)

I XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized PREMIUM Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I'm disputing transactions that were done on my 2 savings accounts and checking accounts. It appears that my accounts were hacked from XXXX. Money was transferred and XXXX out to different people/ organizations. Also about XXXX was spent at XXXX XXXX These transfers and transactions are totaling XXXX. I have been disputing with fifth third since XX/XX/XXXX and have appealed it 2 times and was denied again. As they are saying because my card has a chip, I authorized all of this. I absolutely did not. 

There were transfers from my savings to my checking accounts and then sent via XXXX XXXX ( which I don't have that app as of 3 years ago ) and send through XXXX XXXX transfers from savings to checking for XXXX, XXXX, XXXX XX/XX/XXXX a XXXX transfer for XXXX and XXXX XXXX transfers from XXXX account to another and then sent out for the amounts of XXXX XXXX ( XXXX ) XXXX XXXX More XXXX sent in the amount of XXXX ( XXXX ) XXXX XXXX XXXX transfers from savings account to checking then sent out XXXX transfers from my savings to checking XXXX transfers from savings to checking This was all transferred and sent to different people and organizations either via XXXX, XXXX XXXX XXXX purchase made.
Consumer complaint received 2023-08-18
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-02
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: 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 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
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NV)

the company claims that they have charger off the account as of XXXX they claim that the account was passed due the account was on auto pay i have talked to multiple agents from the account and they give me different stories i have seen that XXXX  has been in the news lately due to things like this I have also reported them to my state attorney general. i have tried to contact a manager in the company and they have never responded. I understand that the company is in the middle of a bankruptcy. but it is not right that they treat they customers like that i have not been able to get a true story with any proof of anything. they claim they charge off my account.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XXXX and XXXX has two civil suits against me in the XXXX XXXX XXXX of XXXX XXXX, XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, XXXX and XXXX is representing XXXX  XXXX XXXX. XXXX and XXXX is representing Capital One in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX recon claim got two letters in mail stating I was denied same day I recon. Its been 90days since all XXXX claims were filed. I received a letter stating I was approved for claim to go to my favor, it was dated XX/XX/XXXX but came in XXXX. I dont see how a paper dated for XX/XX/XXXX came a month later and the Letters XXXX XX/XX/XXXX came exact same day. All claims filed same time one approved two others on investigation. I been giving the run around and having financial hardships since not receiving cards in 2020.
Consumer complaint received 2023-08-18
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. (MD)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-18
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. (NY)

My credit report is showing late payments on XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again XXXX XXXX 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 2023-08-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX  XXXX ACCT XXXX BALANCE OWED XXXX XXXX  XXXX im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX
Consumer complaint received 2023-08-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX