davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-01-26
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: Experian Information Solutions Inc. (NJ)

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 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. recently checked my report and seen XXXX credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused XXXX XXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-01-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.
Consumer complaint received 2023-02-05
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: Mcburberod Financial, Inc. d/b/a SeedFi (VA)

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank XXXX XXXX credit builder was open without my permission and reported to my XXXX, XXXX and XXXX credit report.
Consumer complaint received 2023-02-05
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. (VA)

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my XXXX and Experian credit report.
Consumer complaint received 2023-05-02
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. (PA)

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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''. 
15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information.

Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

15 USC 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
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)

Experian Credit Report has that I owe {$22000.00} when I am only XXXX to XXXX in debt and it shows charge off however Experian XXXX to keep, XXXX XXXX XXXX XXXX when it started XX/XX/XXXX when I was in XXXX  for which is determined by how much income I earned at the time in which was {$19.00} monthly... 
XXXX ... XX/XX/XXXX chargeoff for which it is still on credit report..FRAUD XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX WHICH IS INCORRECT has violated my rights .... 
15 U.S.C 1681 SEC.602A, Sec.604ASec.2 15 U.S.C 1681C ( a ) ( 5 ) and 15 U.S.Cs-2 ( A ) ( 1 )
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2021 I opened a safe balance account online using my payroll check of over {$600.00} as my account opener. On XX/XX/2021, I attempted to login to my app and received a " account locked contact customer service @ XXXX '' error message. I placed the call and was told I would have to go to a branch to verify my identity, which I did. At the same time, I was told I had a positive balance of of {$650.00} and could make a withdrawal from the teller, which I did for {$400.00} leaving a balance of + {$250.00}. Shortly after that, I deposited a mobile check for {$520.00}. On XX/XX/2021, again I attempted to login and received the previous error message along with 3 emails stating a hold was placed on my account. Contacting the same previous number I was told that my acct was being closed by the Risk Dept. due to lack of identity verification, which I told them I had done the day before. I was then told it didn't matter the account was already being closed and it was not reversible, so I asked about my balance and was then told I was overdrawn by {$400.00} and I would have to pay that before I could be set up with a new acct. None of this makes logically sense, nor does it in anyway seem legal. I have contacted my attorney who suggested that I attempt to resolve the issue with a supervisor or manager before he makes any court filings so that is what I am doing now. All of this has not just caused me unnecessary stress but put myself and my family into serious financial hardship and suffering. We were force to miss XXXX with family due to lack of funds to travel, I have no way to pay for the propane that is for cooking and heating my home, my mortgage payment, car registration and insurance are now all past due resulting in late fees totalling {$350.00}, all caused by poorly trained bank employees!
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The creditor and XXXX and Experian continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (VA)

Again, my score has been docked by XXXX points. This time last month my score was docked XXXX points NO CHANGES! 

In fact the ONLY change is decreased debt. I paid off XXXX of my credit cards today just to see what it would do to my credit score and my score goes down XXXX points for nothing. 

I want this issue corrected. Im also reporting these issues to the FTC for further investigation. If its not corrected then we are going to end up in court. This is really my last warning about this
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime (VA)

I purchased a vehicle from the XXXX, Virginia DriveTime location in XX/XX/2021. The issue was with the sales associate that I had worked with named XXXX. Whenever going through the process, at the start of the appointment I explained that my maximum down payment amount would be {$500.00} but I preferred lower. XXXX assured me all cars in the lot were able to be adjusted to meet my pricing needs on down payments and showed me a vehicle I was in love with. Whenever it got to the paperwork portion of the appointment, she explains she will debit my card for {$2000.00} without discussing with me first. I explained that I had a set limit and she insisted I still come up with the additional money to cover the down payment. Eventually I switched vehicles to another model that did fit my budget of {$500.00} but I was never offered the option to view something less than that on a down payment and when I asked to view those as well I was told no. I also purchased the warranty which was presented in a very predatory manner, the reason I purchased the warranty was because XXXX told me that a rental would be covered from the day that a mechanical issue happened until the day the repairs were completed. I asked if this meant that the rental was provided up front or if it would be reimbursed. She stated it would be upfront with no money out of my pocket. I agreed due to that because affording a rental car isn't a possibility living paycheck to paycheck and being able to make it to work every shift is important as well since I am the only one working in my household due to COVID-19. Whenever I did have a mechanical issue appear, I followed the steps to submit a claim and was informed that it was by reimbursement only and that there was also a limit on the amount eligible for reimbursement. Due to the lies I was told by DriveTimes representative I am now stuck without a rental car because I can't afford one and I am having to miss work due to no transportation options. The issue with the car was the CVT transmission that DriveTime last serviced was filled with the wrong transmission fluid which caused a mechanical failure of the transmission resulting in a full replacement being needed. I spoke with DriveTimes customer relations department who practically denied everything and said a coaching opportunity would be provided to the store I visited. I was not given any rectification regarding the situation that my family is now in due to their lying representative XXXX. I am now at risk of losing my job which will create a huge impact to me being housed and fed.
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Experian has account reported as late payment when account is not correct late. 
XXXX XXXX credit card reported XXXX and late payment while amount XXXX and correctly correct
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Creditor, Capital One, continues to report on a charged off account. The account was sold to a collection agency in XX/XX/XXXX. In spite of the fact that the account was sold to a collection agency, Capital One continued to report negative and late occurrences to the credit reporting agencies for approximately the past 32 months and thereafter. 

The debt has since been satisfied and the collection trade-line deleted from my credit profiles. Although the debt has been satisfied and deleted by the collection agency, Capital one continuously re-ages the account month after month as it is indicated by the credit reporting agencies and reflected in my credit profile. 

It is to my understanding that an original creditor can not report on a closed or transferred account. Therefore all reporting should have ceased over 3 years ago. 

I have written a letter to Capital One on 2 separate occasions ( XXXX and XXXX ) to request of Capital One to correct the error with no response.
Consumer complaint received 2022-11-14
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.