davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (NV)

On XX/XX/XXXX I sent a certified letter to GM Financial, along to the 3 major Credit Reporting Agencies XXXX, XXXX, XXXX ( see attached documents ) .The letter explained how GM Financial has violated my consumer rights! Heres the supporting evidence that was included in the letter : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I demanded that the account be deleted ( see attached ). I received a response back from GM Financial ( see attached ) basically stating they were unable to proceed with my request because no specific item was requested for investigation and there was no supporting documentation ( see attached document ). 

On XX/XX/XXXX I sent another letter certified mail ( see attached ) that included my consumer report showing that GM Financial was indeed reporting on my file ( see attached ) .Included in the letter was the supporting documentation, that reiterated why I demanded to have this account deleted from my consumer file ( see attached ). 

GM Financial sent me the same exact response letter from XX/XX/XXXX that was now dated XX/XX/XXXX ( see attached ). At this point I feel GM Financial is disrespecting my rights. Ive never given them written permission to report my GM Financial account/tradeline to any Credit Reporting Agency . Furthermore, GM Financial never gave me proper notice and OPT-OUT information regarding disclosing nonpublic personal information to nonaffiliated third parties as deemed by the Gramm-Leach-Bliley Act.
Consumer complaint received 2022-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I have already filed a complaint with you about issues with Citibank cards. After months of trying to fix the issue and Citibank reporting me to Credit bureaus they finally accepted their mistake. My problem now is they keep sending me to credit bureaus which is lowering my once high credit score. I have asked them to please inform the agencies of their mistake in order to fix my credit but they have not done this yet, they actually sent in a 90day late payment against me. I have endured months of them basically calling me a liar, hanging up on me and " refusing to look at the issue any further ''. Now they finally realize they were wrong but still keep hurting me. I did nothing wrong. I got a credit card, used it and paid my bill on time every time. Citibank should not be allowed to push people around like they do, it's just not right. How is a company allowed to do this? Seriously I am not understanding this. Thank you CFPB for all your help in this matter, I truly appreciate it.
Consumer complaint received 2024-08-26
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. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX
Consumer complaint received 2023-03-25
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. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

Was usbank personal checking and credit card customer since XXXX Opened business checking account with usbank XX/XX/XXXX Deposited a check XX/XX/XXXX then found out XX/XX/XXXX account got closed Called mobile department then transfered to business department then asked to come branch then asked me to call fruad department then asked me to come branch Branch manager confirmed my business account got closed by fruad department said would received a call from fruad department and rereinstate my account csince my check got no problem at all Received account clousure letter and never received a call from fruad department since that
Consumer complaint received 2024-09-26
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. (SC)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-12-11
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)

My issue is with XXXX incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

TransUnion has once again added more inquiries without my knowledge. I did not consent to, authorize nor benefit from either of the following inquiries in which many third party companies have made several inquiries. PLEASE REMOVE ALL HARD INQURIIES AND OTHER TYPE OF INQUIRIES ARE TO BE REMOVED. block and remove them. I've tried to speak to them over the phone as well as certified mail a letter with my credentials. Still nothing has been removed. Please remove all Hard inquiries from my credit report and fine TransUnion for appropriate violations.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

On or about XX/XX/2022, I requested a credit limit Increase. I received the denied letter on XX/XX/2022 ; however, the denied reasons are unacceptable and possibly violate the unfair business practice. Reference to financial institution denied letter reasons ; reasons XXXX : Credit Line Recently Change on this account! ( I do not have a credit limit increase at all since the card opened ). Reasons number XXXX ; Unable to establish a XXXX XXXX. Both of the reasons are unacceptable. For the reasons mentioned above, I also have very strong established credit, with multiple a total of XXXX ( XXXX ) credit accounts. 
( MIX ). I believe the financial institutions did not proceed with my request ( discriminating ) based on application data! Moreover, the institutions violating the Federal Equal Credit Opportunity Act
Consumer complaint received 2022-07-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ONEMAIN XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have never in my live done business with sentry credit nor do they have any signed contract between myself and them to be reporting in any regards to me. They are fraudulently reporting on information sold to them fraudulently. Ive asked XXXX AND XXXX TO BOTH DELETE THIS XXXX times and have disputed this. XXXX has already deleted this item. The other XXXX creditors refuse to immediately DELETE FRAUDULENT ACCOUNTS AND ACTIVITY. I have no correlation to or with this company and have never done business with them. They are reporting on my credit in regards to a matter Im totally unaware of.
Consumer complaint received 2022-08-01
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. (PA)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$12.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: RockLoans Holdings LLC (AZ)

I was a victim of cyber fraud starting XX/XX/XXXX. Criminals hacked my checking and savings accounts and stole all assets. By the time I discovered what was going on, I immediately contacted my bank ( XXXX XXXX ), debit and credit cards and filed a case of fraud with all of them. Accounts were frozen and I was issued new account numbers, checks, and cards. Also reported fraud to credit reporting bureaus and blocked my information. Also reported fraud to the XXXX Police Dept, FTC, and XXXX XXXXXXXX XXXX XXXX. When I discovered the damage I noticed that the fraudsters applied for loans to add to my checking account I'm sure to replenish the money in my checking account in an effort to steal even more, they applied for loans with Rocket Loans, XXXX XXXX, and XXXX XXXX. The latter two companies denied the loans after doing due diligence by making sure I applied for the loans which I DID NOT. Rocket Loans, the loan company about which I am filing this complaint, did not do the required due diligence. They notified me that " a one-time payment of {$7000.00} was authorized ( NOT BY ME ) on XXXX XXXX, XXXX. I was stuck with paying off this loan as I don't have the resources to hire a lawyer to fight this corrupt loan company and did not want to risk further ruining my formerly very high credit score. I paid the amount in full with a check which I mailed on XXXX XXXX, XXXX. 

I would like my money back since this company granted this loan without my authorization. They are responsible for dumping this money into my checking account and charging high interest rates to be paid for this unauthorized loan. However, I've had little help from the bank and the reporting agencies mainly because I had little information on the individuals that did this to me. 

At the very least I want this company publicly reported so that others will be aware of their unlawful, predatory practices against vulnerable and unsuspecting people.
Consumer complaint received 2022-08-13
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. (NY)

I was online at the XXXXXXXX XXXX  website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

XXXX XXXX failed to send any communication regarding our deposit after moving out. Instead, they sent me and my wife to collections. I requested proof that they communicated the amount due within the 30 days allocated by Texas state law, but they never sent anything to verify that we did owe this debt. 

We appealed to the debt collector, but they refused to verify the information either and continued to hold us responsible for an unconfirmed debt.
Consumer complaint received 2023-09-08
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-26
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-26
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

So I have asked Midland credit management to stop with this debt I'm not sure who opened it but it was for sure not me I've asked them to prove that it was me they said they can and I have not seen no proof I would like them to get this off of my credit report as this is not mine I did not open that account I never knew anything about this account until I'm seeing it on my credit report go away as I never opened an account with midland I don't even know who they are I believe this was opened fraudulently with any knowledge of mine.