davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (IL)

This is a fraudulent account I have been trying to dispute for months now but it has not been removed! This is not my account my personal information has been compromised and I would like this account removed immediately! I continue to be a victim of these fraudulent actions?
Consumer complaint received 2019-12-10
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)

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with Experian several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to Experian weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MA)

In accurate information being reported across all three bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-01-15
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: ALLY FINANCIAL INC. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I opened an Apple Card G S BANK account back in XX/XX/XXXX, while on vacation in XXXX I received a notification by phone of an attempt of an unauthorized charge to my account on XX/XX/XXXX, I immediately called Apple Card member services by prone and had the representative close the account, there was never any charges made by me or posted to the account it always remained with a {$0.00} balance for the time it was open from XX/XX/XXXX to XX/XX/XXXX. 
I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX and received the final discharge XX/XX/XXXX. 
Beginning in XXXX of XXXX Apple Card G S BANK started reporting my account with all credit agencies as DELINQUENT, CHARGED OFF IN BANKRUPTCY and DERROGATORY. 
I have logged more than XXXX calls to different supervisors in the XXXX department of Apple Card and the agree with me that their information on file is correct, never had a balance {$0.00}, opened XX/XX/XXXX and closed at customers request on XX/XX/XXXX but they can not figure out why my account is being reported as XXXX in Bankruptcy, Derogatory and Delinquent since it never had a balance, I never had to make a payment to them, and there was nothing to charge off. 
The Apple Card - G S Bank account is not mentioned in my bankruptcy fliling and they never made a debt claim either, attached please find court document.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (KS)

Although the balance on my credit card was paid down to XXXX. Discover closed my credit account without notification. I was informed, by an Account Review Supervisor ( XXXX ) that an IRS verification was emailed out and identity verification would take two full weeks. Also was informed during the time of the verification my account would be inactive, for two weeks, but following the two week verification I would be notified of my credit card 's availability. Calls are recorded. However, in spite of my cooperation, my credit account was closed, by Grantor, from the date I called, within 72 hours, without any notification. For the record, I had discovered, there was a problem, when I logged in to view the card 's available credit ( XXXX ). In lieu of this, I then reached out to Discover, same day ( XXXX ) for answers and was connected, after a couple of attempts to the Verification Dept , where it was confirmed that my account was closed. Unfortunately, in spite of Discover 's deceptive ways, I was informed my only solution was to reapply, for a new account. The companies actions appears to be an illegal move, to close my account, inconvenience me as a paying consumer and later maybe place an adverse statement, on me, in the credit bureau.
Consumer complaint received 2022-10-03
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in  my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
Consumer complaint received 2023-02-24
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. (IL)

In accordance with the Fair Credit Reporting Act " National credit systems '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Between XX/XX/XXXX and XXXX, 2019, my credit card was used to make several purchases at XXXX and XXXX stores at various locations around XXXX. I called Chase Fraud Operations to report these charges as fraudulent, and they credited my account while they investigated the charges. I then received a letter, dated XX/XX/XXXX ( attached ), stating that they had completed their investigation and that I was found responsible for the transactions and would be re-billed for them. 

On XX/XX/XXXX, I spoke with XXXX XXXX ( sp? ), my fraud representative, and she stated that the transactions were made using a chip card that matched the card I had confirmed was in my possession. I reviewed the transactions again and confirmed that I did not make them, as they were at store locations I do not shop at and were made during the week when I was at work. 

On XX/XX/XXXX, I called to report this, and the representative, XXXX, stated that they would file a dispute on my behalf for the re-billed transactions. I requested that they provide me with the specific addresses of the stores. They stated that they could not provide me with this information, but that if I filed a police report, law enforcement could contact them to request it. I did file a police report that same day ( XX/XX/XXXX ), and I submitted a copy of the report to Chase as documentation ( also attached to this complaint ). I also requested time stamps and a list of purchased items for each transaction ( as further evidence that I did not make the transactions ), and they stated that they did not have this information. 

I received another letter, dated XX/XX/XXXX ( attached ), stating that Chase had investigated the charges again and confirmed their previous finding that they were valid, and that I would be re-billed for the charges. 

A list of the transactions in question ( along with locations I was able to find by searching store numbers ) is below. 

XX/XX/2019 : {$110.00} at XXXX  XXXX XX/XX/2019 : {$110.00} at XXXX XXXXXXXX XX/XX/2019 : {$59.00} at XXXX XXXXXXXX XX/XX/2019 : {$120.00} at XXXX XXXXXXXX XX/XX/2019 : {$68.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$57.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/2019 : {$74.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$65.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: State Collection Service, Inc. (DE)

State Collection removed wrong information on my credit report. Report # XXXX Since XX/XX/XXXX I have been waiting for my score too reflect that which before this error my credit score was ( XXXX ). Need Too Update All 3 Credit Agencies. 
They fixed a previous problem in 24 hrs. I have a new Mortgage credit check inquiry starting XX/XX/XXXX. 
This is Crucial too get this made correct. Thanks XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with utter contempt and fury upon discovering a fraudulent account on my credit report. It has come to my attention that an account that I have absolutely no involvement with has been inaccurately added to my credit history. This egregious error has not only besmirched my financial integrity but has also placed an unjust burden upon me to rectify this situation. XXXX XXXX  XXXX
Consumer complaint received 2023-02-10
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)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
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: Experian Information Solutions Inc. (TX)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} and 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 2024-05-09
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: EQUIFAX, INC. (FL)

Equifax responded to a CFPB complaint informing me that they were going to delete the inaccurate account. However, it is still on my report! Equifax needs to do exactly what they informed CFPB that they were going to do, which is delete this account immediately!
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.
Consumer complaint received 2019-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

I have tried on several Occasion in XX/XX/2019 and XX/XX/2019 to get my mortgage company to report to the three credit agencys. They said they cant and to would look into it. I filed for bankruptcy in spring 2019 but reaffirmed my mortgage and paid like I should have. The mortgage was not included into my bankruptcy. I cant get US bank to report my payments. Please help.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NowackHoward LLC (GA)

On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection  attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX   XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a  completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay  the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners. 

Thank you,
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

I recently checked my consumer report and I noticed an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX. I dont have any accounts and have not applied for anything. There is no reason why this should have happened. I just had a check deposited and then removed from my account that I did not recognized as well over a week ago which was weird. I thought it was a mistake. But I signed up for fraud protection so this should have never happened. They should alert me before they run my credit with hard inquire negligence on there behalf.