davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (WA)

I have provided value in form of Financial Security Instruments ; i.e., the Application form, Personal SSN, and copy of personal Bill of Exchange in form of utility bill. All of which are Security Financial Instruments in which they underwrite to then monetize and withhold that value in return from me. 

I applied for an extension of credit in the Sum Certain of XXXX. 

I have given multiple offers to reconsider and also my counter-offer to their denial and discrimination. Their constant refusal is leaving me damaged. 

While I do understand the company and bank have their own regulations, those regulations DO NOT supersede Government Regulations. Federal Law, House Joint Resolutions and United State Code Title 15 Chapter 41 sub chapter 4 all state the rules and regulations regulating Financial Institutions against this very type of discrimination and denying any consumer/original creditor the extension of our credits REGARDLESS of Any INFORMATION TAKEN FROM A CONSUMER CREDIT REPORT. 

It is against the law for ANY bank to loan " money '' since all credits originate from the consumer especially because there is no money of trade but only money of accounting. 

I have expressed many times my desire to want to work with them in GOOD FAITH and HONOR in exchanging Financial Instruments for the extension of my credit.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract.

PLEASE REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2024-02-13
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)

Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.
Consumer complaint received 2022-02-01
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. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within XXXX days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX Remove this account from my credit report due to it being over XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXX XXXX Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the Equifax data breach. XXXX Account XXXX : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Consumer complaint received 2023-11-25
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: JPMORGAN CHASE & CO. (SC)

This company furnished my consumer report without my written permissible purpose.

The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didnt give any written instructions for this company to furnish my consumer report under no circumstance.

The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (AL)

I was a customer of BBVA which was acquired by PNC. At the time, I had five business accounts and two personal accounts. Listed below are the issues that I have experienced since XX/XX/XXXX as well as continue to experience due to the acquisition/conversion issues. 

1. Bill payments missing - still an issue 2 Not able to access some of my accounts- resolved after over a week for one of my accounts 3. Personal accounts and business mixed up - resolved after over a week 4. Bill payments being made that I can't see of confirm if they are going to being made - ongoing issue 5. Payments being made without my permission for a line of credit that was paid well before its due date and for more than the required payment - ongoing issue 6. Lack of initial response to my issues and ongoing poor service 7. Not being able to confirm if my employees would be able to get paid because of the issues. 

All in all, this was the worse banking experience ever. It is beyond my comprehension that PNC could have done this so poorly while putting customers money and businesses at risk. I believe that PNC should not be allowed to do any future acquisitions and should incur major financial penalties for this debacle.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IN)

I asked for validation of the debt in roughly 2018, and received nothing. I tried explaining to them that I am not taking ownership of the debt due to my estranged father opening the account, as he has access to all of my personal information as he is my biological father. 
I sent a letter requesting validation of the debt, as well as verbally requesting the debt as well to no avail.
Consumer complaint received 2024-02-02
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. (TX)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and employer : XXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/2023 & XX/XX/2023 60 days late. 

XXXX : 30 days late XX/XX/2023 and XXXX  XXXX  60 days late. 
Equifax : XXXX XXXX 30 days late, XXXX XXXX days late, 30 days late XX/XX/2023 and XXXX XXXX 60 days late.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

In XXXX XXXX XXXX XXXX took over my student loans from Nelnet, however Nelnet DID NOT close my account after the transfer. I was apart of the loan forgiveness so my student loans should be at {$0.00} they are NOT. Nelnet claims its XXXX issue and XXXX sent me here as they said its on Nelnet.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

I TOLD XXXX, TRANSUNION, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports.

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report.

Thank you for your attention and cooperation, in resolving this matter efficiently.

Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. 

( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681.

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 

XXXX. Defamation of Character 2. Negligent Enablement of Identity Fraud XXXX. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in XXXX XXXX XXXX. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. 

XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. 

Equifax : XXXX XXXX 30 days late and XXXX  60 days late.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I wrote a letter to the collection agency stated that I wanted proof that I owed a debt to the collection agency. I wanted an original contract bearing my signature with the collection agency. Also, in affidavit form under penalty of perjury. They have failed to do so.
Consumer complaint received 2021-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NV)

Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX. 

Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF. 

* I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle