davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( TransUnion ) ( XXXX ) ( XXXX ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives! 

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10. 

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (MS)

I'm writing because I noticed Upstart reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from Upstart. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with Upstart practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Consumer complaint received 2022-10-26
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: CITIBANK, N.A. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXXXXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

Over the past few years, through requested audits and working with the CFPB and the North Carolina Department of Justice, Consumer Protection unit, I have tried to receive a fair evaluation of payments I've made to the PSLF program.

However, despite that, there are six ( 6 ) payments that still aren't counted as part of my overall PSLF eligible payments made that I believe should be considered eligible due to my conversations with Fed Loan Servicing phone representatives, who advised me each time I had questions about my account. These phone representatives took notes during each of our calls, and it is my belief that Fed Loan Servicing should look into those notes, which will verify that the following payments should be counted as part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX With Fed Loan Servicing sending student loan accounts to a new servicer this XXXX, I believe that this issue needs to be resolved prior to the transfer of my account. 

Thank you for your assistance in this matter. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email on XX/XX/XXXX Dear Fed Loan Serving, I wanted to provide my addendum regarding my request for an audit of my account prior to any transfer to my account to a new student loan servicer. Specifically, I would like a detailed explanation as to why the following student loan payments were *not* counted as part of PSLF counts, which is currently at XXXX/XXXX. It is my belief that based on guidance from Fed loan Servicing phone representatives, I followed the appropriate instructions related to payments for the following months and believe that they should part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX Throughout my experience with Fed Loan servicing, I have always turned to your phone representatives to answer any questions I had related to my payments, and believe that the 6 monthly payments should count toward my PSLF. 

Because of the urgency of this issue and the transfer of Fed Loan student loan accounts to another servicer in the next few months, I will be elevating this issue to the CFPB and the North Carolina Department of Justice, Consumer Protection Unit. 

Please conduct a diligent audit for the months noted above, so that this issue can be fully resolved before the transfer of my account to a new servicer. 

Thank you, and I appreciate all of your help in this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-06-23
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc. (AL)

The account is more than 7 years past the 1st delinquency. The term of the loan is reporting incorrect, the final payment is reporting incorrect, late payments are being reported to credit agency but not the on time payments. I wrote to carmax auto finance, and called to try to get this issue resolved.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ARVEST BANK GROUP, INC. (KS)

Arvest Bank refused to honor the details of this promotion attached below. I met all the requirements and they vehemently refused to honor the promotion even though the terms and conditions were met on my side. I've escalated this issue to their higher ups to no avail. They've placed tickets on my behalf only to not receive the promised credit or phone call.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022, an unauthorized cash advance was requested on my Wells Fargo credit card through the Wells Fargo secured online portal. It was not until I went to check my statement on XX/XX/2022 that I was made aware of the charge. I immediately called their fraud department to report it. Their ultimate resolution was that since it was made through their online banking portal, I had authorized it. I have repeatedly informed them that this is not the case. At the time of the transfer, I received no text or notification that such a large cash advance had been made, or that anyone had logged onto my account from a new device.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : 1 XXXX XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX 5 ) XX/XX/XXXX 6 ) XX/XX/XXXX
Consumer complaint received 2022-07-24
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. (MI)

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, XXXX, or Experian and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX : Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX and Account name : 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-07-04
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. (IA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (TX)

I am aware that my SSN belongs to the SSA ( Social Security Administration ) and anything purchased with that number is an obligation of the United States in accordance to 15 USC 8 and being that Bridgecrest is attempting to collect an alleged debt from I, the consumer makes them guilty and in violation of the False Claims act ( FCA ) 31 USC 3729-3733. 

Pursuant to 15 usc 1692 ( c ) I notified Bridegrest in writing refusing to pay the alleged debt and I demanded that they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. The cease and desist letter was mailed out on XX/XX/2022, however, Bridgrest continues to harass and send me notices about this alleged debt via email and continue to report to consumer credit agencies ( proof is attached ) I also sent a debt validation notice requesting all documentary evidence and audit trail for this alleged debt on XX/XX/2022 and they have not sent over any of the requested information, other than a contract, which is not proper information required for the debt violation process. This is a violation of XXXX5 USC 1692g. ( debt validation letter attached ) Pursuant to 15 usc 1635 creditors must give the forms to exercise the right to rescind to the consumer and the right of rescission must be disclosed that the obligor has until midnight of the 3rd day from the date of the signed contract to rescind the contract. I do not have any forms in my contract for the right to rescind. This is a violation. 

Im aware that whoever willfully and knowingly gives false and inaccurate information or fails to provide information which he is required to disclose under the TILA shall be fined not more than {$5000.00} or imprisoned not more than 1 year, or both.
Consumer complaint received 2022-10-26
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. (CA)

I got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (AL)

I never received anything from this company ( ASSETCARE LLC according to XXXX  ). The report says the original creditor is " XXXX XXXX XXXX XXXX '' in which I'm not sure what health organization that is but I do reside in XXXX Alabama. I have not had any procedures or treatment done and do not understand this collection for {$1400.00} when I have never even received billing ( because I haven't had anything extensive done ). I feel like it is some type of Medical scam. I filed a dispute with XXXX  in which the result came back as " Accurate as verified by filer. '' which I find concerning. It seems like " one word over another ... ..just because ''. It's accurate because they say so? I ask for proof of some sort. If the CFPB reviews my credit report it will show that my wife and I have NEVER missed paying on anything we owe. I will let this process take it's course before seeking legal counsel. I'm not going to be victimized into paying for something from a collection agency that I know doesn't exist.