davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Scott Lowery Law Office, P.C. (CA)

Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.
Consumer complaint received 2023-11-07
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. (FL)

To Whom this may concern, 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. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-08
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. (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 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 2023-11-08
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. (NC)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2024-08-20
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. ()

XXXX  XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XX/XX/XXXX
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX  XXXX XXXX account number xxxx into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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 inructions 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

Experian, XXXX, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts. 

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit? 

I also have an account khols which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? Experian Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ), XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). 

XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ).
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (HI)

My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.
Consumer complaint received 2023-11-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2023, my wife and I went to Fifth Third Bank on XXXX XXXX XXXX in XXXXXXXX XXXX to open a 5-month CD and sat with XXXX XXXX XXXX Personal Banker I who did the paperwork to open this account. As you can see by the attached letter we received from Fifth Third dated XX/XX/2023, it shows that our CD maturity date was XX/XX/2023 ( today ) and the redemption value is {$12000.00}. We went into the bank to pick up our cashier 's check today and close out the CD account, XXXX XXXX told us the amount he showed we were to be paid was {$12000.00}. We showed him the letter we received with the amount we were due as {$12000.00}, they were shorting us {$12.00}. XXXX called his manager over to assist him, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX could offer no logical explanation as to why the amounts were different. He told us it would take a couple/few days for them to try to figure it out and then would call us to come in and pick up our check. ( Attached is his email to us with his " explanation '' ). We told him we wanted interest for each day after XX/XX/XXXX since we wanted our redemption check today, and they were unable and could not provide us with OUR money! The incompetence that the employees at Fifth Third Bank have demonstrated has left us speechless. They are holding our money hostage because they can not figure out how to get us the amount due us since their computer is showing a different amount! How can a bank, any bank, be permitted to NOT return a customer 's money? This is a form of theft that should not be tolerated whatsoever.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DID NOT AUTHORIZE THESE INQUIRIES TO BE PULLED FROM MY CREDIT REPORT AND I WANT THEM TO BE REMOVED FROM TRANSUNION, XXXX & XXXX
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

I have a car loan through Fifth Third Bank in XXXX, OH. I cancelled my insurance through XXXX XXXX and started using XXXX in XXXX of 2014. They did not receive the change and started adding insurance to my loan. they claim that they were sending letters but I never received them. This month they placed a repossesion order on my car for non payment of over XXXX dollars. This was when I became aware of the insurance added. I sent them the documents showing no lapse in insurance and their insurance department said a full refund had been submitted. This was on XXXX XXXX. He said it could take 7-10 days to hit collections. I then called collections to see if they could talk to the insurance department and get the repossesion order stopped because I am approved for full refund, and all they kept saying was make a payment to stop it and refused to talk to the insurance department. They refused to transfer me to the insurance department, the just continued to badger me to make a payment for something their insurance deparment had approved for refund. It has now been 7 days since the approval and the repossesion order is still out for something I do not owe.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX  and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX, as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.
Consumer complaint received 2015-12-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC (KS)

First of all, this form does not have a box to check that I never took out a loan from the questionable company and secondly, the only box I could check was that I was the borrower, which I am not, but the assumed borrower instead. 

I am getting requests for payment of loan # XXXX taken on XXXX/XXXX/XXXX obtained through AmeriCash Loans of Missouri for a person who has the same name as me but not the same SSN or address as me. The first written Notice Before Suit was received XXXX XXXX, XXXX. I subsequently sent a certified letter to their XXXX XXXX, IL collection office. I received confirmation of delivery by USPS. Another letter, Notice of Right to Cure Default, dated XXXX XXXX, XXXX was received by me on XXXX XXXX, XXXX via certified mail. The phone number for the company is XXXX but we are hesitant to call them in case it is not a legitimate business but a scam.