davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Reliant Financial Corporation (CA)

Okay so the company by the name of the gold acceptance made me feel very uncomfortable because they have no respect my wishes or respect in my values or comply with a payment plan the rude and very disrespectful they and very disrespectful XXXX respectful that the company wants me to pay them pay them a balance that is way too high for my financial economical status and they dont want to take any more payments any time that I try to make a payment plan with them and they want to stress me out by yelling at me you make me feel very uncomfortable rude and on top of that they are cussing at me on the phone yelling at me make me feel like I am in nimwit. I spoke to this lady by the name XXXX on saturday at XXXX and she was very rude to me about everytyhing solution with all of this I would like them to give me a statement of plan with a credit balances I want also want them to give me the credit they owe me of XXXX they are charging me two sides of insurance while they say that i owe them XXXX XXXXof insurance they dont want me to have a balanced statement. Im not satisfied with the services the mount more money on my account while iam paying them as much as i could they stress me so much that they constantly want me to get overwhelmed that its causing me unbeneficial health problems. So my resolution would be that i want them to set up an adequate feasable & nbsp ; payment plan that i can afford.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

I reported fraud for my Wells Fargo credit card and they file a fraud claim. My credit card was stolen and I received a text massage from WF asking me if I was the one making this charges and I inmidially replaid NO and I called WF to cancel credit card. I received a provisional credit and then after weeks they denied my claim. When I call WF and I ask why my claim was denied they told me because we believed ITS NOT FRAUD because I shop with this merchant in the past. I requested to talk to the manager and I make a complain so far no one have resolve my issue. I can not believed they denied me because I had shop before with some of the companies my credit card was charge. I told then I have this credit card for years and i always pay in full everymonth my balance. My credit is perfect and I am a very honest person. And I guess they dont care, I reported to the credit bureua already. I advised to WF not going to pay what i did not used. Period.
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.
Consumer complaint received 2023-02-24
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. (IL)

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 selection 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, other than records of conviction 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 2023-02-24
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. (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 XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (IL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.. thanks hard inquiry - 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 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXX, I am not aware of any outstanding debt with XXXX XXXX XXXXXXXX XXXX I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (NV)

I am writing to express my frustration with Midland Credit Management and the negative impact they are having on my XXXX XXXX. I disputed this Account multiple times and have been attempting to resolve the issue with them. 

Despite my efforts to resolve the matter, Midland Credit Management has continued to report the alleged debt to credit bureaus, which is significantly impacting my credit score. As you can imagine, this is causing me a great deal of stress and frustration, as I have worked hard to maintain a good credit rating. 

Here I include XXXX tracking numbers : XXXX and XXXX, and I am prepared to take further action if necessary to protect my rights and interests. 

I request that you investigate this matter and take appropriate action to hold Midland Credit Management accountable for their actions. I also request that any negative reports related to this alleged debt be removed from my credit report, Because they are inaccurate and unjustified.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Hi ; I need to dispute this transaction for merchandize not received. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$440.00} The seller must sent the item and I should get it on or before than XX/XX/2023, since then I been trying to contact the merchant without sucess. 
I bought protein snack and gym suplements.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied for a home loan and the lender ( XXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.
Consumer complaint received 2023-02-24
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)

I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor XXXX not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than XXXX days before the payment is due.
Consumer complaint received 2023-02-28
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)

Account name : XXXXXXXX XXXX  XXXX. Account # : XXXX. Delete XXXX FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current willful violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows XXXX different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2023-02-28
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)

Account name : XXXX  XXXX XXXX ( Harming ) Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now February 27, 2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX XXXX  XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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)

Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXXXXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXXXXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX  XXXX, XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
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. (GA)

I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the credit bureaus shut down the request as frivolous. XXXX continues to report incorrect balances as of today XX/XX/23 they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. Please help!!
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I have been a repeat customer of Titlemax for many years and have always paid off my loans with the company even though I was paying 3x my loan amount in interest and fees set forth by the company. I am now at risk of losing my vehicle because I can not make a payment and the company is not willing to work with me regardless of my past history of pay-offs. I need help and the company isn't willing to extend me any kind of good faith or good will. They would rather take my vehicle and hit my credit score with a negative report so now I will stuck with bad credit and no vehicle. All because of one missed payment due to financial hardship. Which Titlemax is aware of and shows no concern for by the representative employees it has working for Titlemax.
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (MA)

I have a past due loan with Upgrade Inc and have a hardship payment arrangement. When I was set up for this on XXXX I asked if I had any payments set up for a future date and the rep XXXX said no. {$310.00} was taken out of my account on the XXXX and I called and was told it would be refunded within 5-7 days. I called today and was told it would be in my account on Monday and then told by XXXX in Leadership they could not refund the money since my account is past due. Without the refund of the amount taken in error I can not make the XXXX payment of {$93.00}