davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freeway Funding, Inc. (CA)

This issue of incorrect account reporting has been ongoing with Freeway Funding INC as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against Freeway Funding INC, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly one year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but Freeway Funding INC was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against Freeway Funding INC did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly one year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is Freeway Funding INC is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by Freeway Funding INC is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a Charge Off and Written Off ; and, they are still reporting late payments and balance updates as shown in the attached images to this report.
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication dated [ date ], claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by me.
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Total Auto Finance (VA)

I called TOTAL AUTO FINANCE and they stated to me to not send no payments to XXXX XXXX SERVICES. I called XXXX and they told me that I need my next payment was due to them in XXXX. I told them that as long as XXXX XXXX or Total Auto Finance didnt send me a letter or call me I would not send payments to them.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN IS IN VIOLATION OF 15 u.s.c 1681a ( 2 ) ( A ) ( i ) of THE FCRA FOR ILLEGALLY REPORTING TRANSACTION HISTORY ON MY CONSUMER REPORT.

Experian it is illegal to report transactions history on a consumers credit report, by willfully reporting illegal transactions history on my consumer report you violated the Law of the FCRA, Experian your company compliance department are aware of this violation of furnishers and users agreements being that you Experian hat to sign an agreement stating that you would comply with all State and federal laws.

I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, & my character.

Experian unfair system, is predatory and life ruining and has prevented me from obtaining the credit I need to purchase consumer goods and services for personal family and household use.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via XXXX XXXX XXXX Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
XXXX XXXX and Equifax were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (GA)

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 Account Number : XXXX has violated my rights. Or 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 2023-08-15
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2020-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received emails from the credit bureaus that I applied for a credit card at Capital One on XX/XX/2020 but I havent, thats a fraudulent application. I had two accounts with Capital One in the past and now Im a authorized user for a Walmart credit card with Capital One but this new application for credit, I have no idea. I called Capital One right away but they dont have any information about a new application. I also received an email from Walmart about an application for their credit card with Capital One that was submitted on XX/XX/2020 so Im guessing thats the fraudulent application the credit bureaus email me about. This has nothing to do with the Walmart credit card with Capital One that Im a authorized user, dont remove me from that account. Please cancel the fraudulent application, made on XX/XX/2020 and remove the hard inquiries from XXXX  and XXXX. Thank you for your help!
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility. 
I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments from my credit report.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action.
Consumer complaint received 2024-01-16
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. (NJ)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) XX/XX/2023 XX/XX/2023 XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There was a refund issued on XXXX from XXXX for ORDER # XXXX in th e amount of {$280.00}. I contacted the bank and was told this refund was rejected on the account closing on XXXX and to contact XXXX. Today is now XX/XX/20 and XXXX still does not see this refund.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

American Express is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.
Consumer complaint received 2024-01-16
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: Experian Information Solutions Inc. (MD)

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 Experian, XXXX, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Leased a XXXX Infiniti from XXXX XXXX XXXX XXXX XXXX, XXXX for 39 months ending XX/XX/XXXX. Never made a late payment ever. Lease ended in XX/XX/XXXX so I made several calls to Dealer and Nissan Finance concerning lease buyout. Dealer told me to contact bank, Nissan told me to contact Dealer. After several attempts in XXXX and XXXX I finally spoke with Nissan Finance on the phone. They asked if I want ed to extend lease thru XX/XX/XXXX and possibly get into a new car. I said I would like to keep car I have, this was around XXXX, Spokes lady told me to make an additional payment of {$690.00} and to go to dealership to have car appraised and inspected before I could buy car.????? Still not getting the right info, I drove car to XXXX XXXX XXXX in XX/XX/XXXX, and still was told I needed to go through bank. I then asked to speak to the finance Manager who was the only person with the right info. My wife and I paid the residual of the car in XXXX for $ XXXX. XX/XX/XXXX I received notice that my credit score dropped from XXXX to XXXX. I checked my credit report and noticed Nissan Finance had sent in negative information to the 3 Bureaus. Contacted Nissan and was told to send in a letter to Nissans Credit Management Dept. Received a letter on XXXX XX/XX/XXXX were Nissan refuses to remove false info from my report. At no time did I agree to or signed into another agreement to extend my lease or to refinance the XXXX XXXX, XXXX errored in reporting false information and refuses to fix it.
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ID)

PayPal - negative {$7300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.