davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
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 submitted a request for investigation to Experian using their Online Form for several inquiries that I did not approve. I asked Experian to collaborate with the creditors/lendors/entities to ensure that there was permissible purpose and approval from me to actually look at my credit file. I do not have an account with these companies, they have not extended credit to me, and do not recall giving them signed approval to access my credit file. 

Experian provided me with a Dispute Report # XXXX on XX/XX/2018 basically stating that the inquiries were actual requests for my credit report. That is indeed a fact, however, under the Fair Credit Reporting Act, I am entitled to know if these companies have proof of permissible purpose to pull my account, which I'm attesting that they do not. I followed up with Experian via a written letter asking them to validate with the companies that they have approval. 

At this point it is clear that Experian is not actually going to truly investigate these Inquiries. It is obvious that they are declining to provide me with the description of their procedure used to determine the accuracy and completeness of the information they are reporting, as requested by me in writing. These unverified inquiries are still lingering on my credit report and dragging my score down. Experian is not in compliance with FCRA and are validating my rights under FCRA which requires them to perform a true investigation upon a consumer dispute. I simply asked them to provide me with proof that the companies had a permissible purpose to pull my credit report but they willfully continue to be in violation of my FRCA rights. 

I'm simply asking for help from the CFPB to ensure that Experian is in compliance with the rules, laws, and policies that they must adhere to as a credit reporting agency, according to FCRA. 

The unverified Credit Inquiries that I would like removed are : * XXXX XXXX XXXX XXXX * XXXX * XXXX XXXX * XXXX XXXX ( first instance ) * XXXX   XXXX  ( second instance )
Consumer complaint received 2018-10-16
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. (UT)

XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (SC)

My name is XXXX XXXX XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB XXXX XXXX Opened : XX/XX/2015 Balance : {$8800.00}
Consumer complaint received 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RI. Ss # XXXX. Lots of money stolen from me my whole life along with checks, trust, inheritance, properties ( deeds ) freedom and dignity. At this point Im barely able to stay feed and alive while Im homeless by no fault of my own
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent numerous letters to XXXX, Transunion and XXXX  disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.
Consumer complaint received 2022-05-04
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. (OK)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am XXXX years old and have leased a multitude of cars for myself and my wife. In XX/XX/2016, I leased a XXXX XXXX and purchased a {$7500.00} extended wear and tear coverage.With 6 months to go I began getting calls and letters to trade in the vehicle and get a new one. I decided on XXXX and turned the car in, paid the fees necessary and got into my new leased vehicle. There was some additional damage they claim ( dirty seats, floor mats etc ) but that should have been covered through the damage waiver. After we discussed that, I never heard from the company again until they claim to have sold the vehcivle at auction for {$5500.00}, without even discussing it with me, and then expect me to pay the balance. The car had a blue book voer {$10000.00} and the dealer is selling cars identical for {$13000.00}. Auction is the lowest form of purchasing vehicles, the company sets the residual, and then the people turning in the vehicle are expected to come up with thousands of dollars on a whim?! I would have bought the car for {$5500.00} had it been offered. This is unethical and flat out wrong.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -JXXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXXI : Account # XXXX -XXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXX  XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2020-01-31
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. (LA)

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-04-08
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 Balance : {$150.00}
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX -XXXX XXXX XXXX  : Account # XXXX XXXX XXXXE XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

On XX/XX/XXXX check number XXXX for {$150.00} was mailed to Portfolio Recovery Associates with a letter asking that the account be removed from my report upon receipt of the funds of the check presented. 

On XX/XX/XXXX Portfolio Recovery Associates updated their website to show a payment of {$150.00} was made. 

On XX/XX/XXXX check number XXXX for {$150.00} was presented for payment to XXXX XXXX XXXX ( My personal bank ) Between XX/XX/XXXX and Today, the account has for some reason reverted to a balance of {$150.00} and I have tried numerous times by filing disputes with the credit Bureau 's to sending letters directly to portfolio recovery to have this rectified. They continue to only provide me with proof that the original account is valid, not that the balance is valid. 

On XX/XX/XXXX I mailed a final dispute letter to Portfolio Recovery by XXXX ( Tracking #  XXXX ) which was delivered on XX/XX/XXXX at XXXX EST.
Consumer complaint received 2022-05-04
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. (MO)

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXX {$560.00} 4, XXXX XXXX XXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX  XXXX XXXX XXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 1-9, 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
Consumer complaint received 2018-08-02
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: Credit Karma (DE)

My wife and I are trying to get pre-approved for a mortgage. We both have credit karma accounts. Our lender is not able to pull our reports due to a firewall credit karma has placed on our accounts. Now our pre-approval is sitting in limbo. We have contacted credit karma several times over the last 7 days and have not been contacted by Credit Karma to resolve the issue.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to Me
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX - Account Number : XXXX / XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX  XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX  - Account Number : XXXX / XXXX/XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I requested a debt validation information from Midland Credit Management, they have failed to respond to my request which is a violation of the Fair Credit Reporting Act and as such they must remove said account from my credit report no later than 30 days from the date of receipt of my letter. I requested this information as I have not received prior to them attempting legal action, also the accounts they claim to own have a binding arbitration clause which they have violated. I formally request the removal of said account and cease of collection practices. 

This company has been known to engage in deceptive and illegal debt collection practices and have been fined in the past by several state attorneys and consumer protection entities including this one ( CFPB ).
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (LA)

My son was involved in a car accident on XX/XX/2021. This was a total loss of this vehicle that was financed through Credit Acceptance in which they were paid in full on XX/XX/2021, however they havent closed out the account which is causing me problems in obtaining a new car auto loan.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and New York Penal Law 190.79 Midland Credit Management is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (FL)

There is a collection account listed on my credit file from an apartment complex. At no time did they ever notify me of this debt. I demaned proof as per the STATE OF FLORIDA landlord tenant law they had to send me information within 30 days the move out date. I did send them a certified letter letting them know they were out of compliance and that this should not have hit my credit report and they are still reporting the debt which is a clear violation and I want this removed from my credit file ASAP! I do not care about the deposit I just want this off my report!
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (GA)

I normally receive my direct deposit on Monday mornings since it is supposed to be posted on my account by Sunday night ( sometimes it will post on Sunday sometimes it will post Monday morning ). However, lately my direct deposit has been posting late Monday night and this particular pay period of : XX/XX/18-XX/XX/18 I have not received my direct deposit at all. Ive called Netspend customer care dept. and theyve continued to give me different time periods of when my direct deposit will be posted but I have yet to receive it. I have a car note that was due yesterday and if not paid by today : XX/XX/18, I will be forced to turn my car in which puts a strain on my transportation.
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX ACCOUNT NUMBER TD BANK XXXX CREDIT ACCOUNT # 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX5 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS