davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (KY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (FL)

My name is XXXX XXXX, and Id like to file a complaint against a lender, WLCC Lending GVF, d/b/a Green Valley Funds. It gives its address as : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, their phone number as : XXXX + ( XXXX ) XXXX, and their eMail address as : XXXX. 
This Lender is a subdivision of Wakpamni Lake Community Corporation ( WLCC ). They claim to be a political subdivision of the XXXX XXXX XXXX, and thus they claim sovereign immunity. 
On XX/XX/XXXX, I applied, and was approved for, what is commonly called a pay day loan. Everything was completed online. I was assigned a XXXX XXXX XXXX, and the loan was assigned number XXXX. I never spoke with a live person about the loan. Nobody from the Lender contacted me to explain the terms of the loan. 
This loan no. : XXXX carries a 788.67 % A.P.R. I am not an attorney or a banker. Nobody explained to me what the A.P.R. is, or that I would be paying approximately {$1700.00} for a loan of {$500.00}. 
On XX/XX/XXXX, Green Valley Funds issued a pay-off statement where they said the balance was {$10000.00}, good through XX/XX/XXXX. On XX/XX/XXXX, a cashiers check number XXXX, drawn upon XXXX XXXX XXXX XXXX XXXX, in the amount stated, was sent to Green Valley Funds by United States Certified Mail, Item Number XXXX XXXX XXXX XXXX XXXX XXXX. 
When I contacted XXXX XXXX, I was informed that they 30 to 90 days to post a check. The loan still appears as outstanding, and has not been satisfied, nor has XXXX XXXX even acknowledged receipt of the check, even though the certified mail containing the check was signed for on XX/XX/XXXX. 
I can provide the original loan documents, a copy of XXXX XXXX pay-off statement, and copies of the check and the Certified Mail envelope. 
I dont know if you can do anything about this, or will want to do so. Even if you can not help me, I would like you to lodge my complaint so that this perhaps does not happen to other innocent consumers, going through a rough patch, who fall victim to these practices.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I received a negative report on my credit for. Debt I know nothing about never contacted as had art account auto pay for more than 3 years it might be debt owed by my deceased spouse? Nobody ever contacted me by mail phone email?
Consumer complaint received 2023-02-06
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit ReportinXXXX Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-02-06
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. (FL)

I am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of XXXX XXXX XXXX  I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692
Consumer complaint received 2023-02-06
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. (TX)

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

15 USC 1681 section 602 A States I have a right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 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. 

Delete immediately and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1. Account XXXX : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 4. Account name : XXXX XXXXXXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 5.Account name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 6. Account name : XXXX XXXX XXXX  XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 7. Account name : XXXX XXXX Account numberXXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 8. Account name : XXXX XXXX XXXX Account number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 9. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation XXXX. Account name : XXXX Customer number:XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 11. Account name : XXXX XXXX Account number : Delete this account immediately, unless you want to pay {$1000.00} per violation 12. Account name : true accord account number is : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 13. Account name : XXXX XXXX XXXX XXXX AccountXXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 14XXXX XXXX XXXX  XXXX XXXX account number : XXXX
Consumer complaint received 2023-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CA)

In XX/XX/2022, I received a notice about my loans coming out of the program that had a locked interest rate of 4 % which lowered my monthly payment because originally I was not able to afford the monthly payment without being in that program. Proactively, I called Sallie Mae in XXXX to discuss my repayment options as this program is coming to an end. I called them before my due date of XX/XX/XXXX. And they told me that I couldnt, talk to anybody yet because as of that point my loans were still in a program and so any sort of eligibility for other programs would not show. That customer service representative advised me to call after my XX/XX/XXXX payment has posted saying XX/XX/XXXX. Sometime in early XXXX, I called and spoke with someone about my repayment options. They said that there was no options available for me because I had not applied with an 18 months of the loan disbursement date and Ive use my forbearances. I was unaware about the forbearance as I have used because I was under the impression that I was going into special programs while I was in school and I wasnt able to repay because I had just finished law school and was taking the bar and had no income and apparently, during that portion of my life, they were using a forbearance, because there wasnt any other program available to me. At that point that gentleman gave me a phone number to call for loan servicing options. On XX/XX/XXXX I called that phone number and tried to speak to somebody about loan repayment options and they told me they would not talk to me until my loan was in collections. That person advised me I can not call until XX/XX/XXXX. Because that is when the 5 day grace period ends, sending me into collections. Every time I have called Ive been given a different date and XXXX just trying to figure out a way to be able to pay my loans but not at the payment because I cant afford the payment. A separate complaint is regarding the interest rates that these services are able to charge on student loans, my student loans have an interest rate of 14 % which is a little ridiculous given that it seems a bit predatory since I was XXXX XXXX XXXX signing documents that I had no idea about.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

equifax and attorney genrals office continues to report inacurate information on my credit report. This is an effort to hurt and opprese me by destroying my credit score. Keeping me from good employment housing and jobs. the continue to violate federal law by reporting inaccurate information on payment history and allows the Attorney genral to move and change payment history to what they feel is correct. They have caught them several times reporting wrong info or jus flat out making it up but still allow them to report wrong information on my credit report. i need help.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXX was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and Equifax are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Consumer complaint received 2019-05-16
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: Phoenix Financial Services LLC (GA)

Phoenix Financial Services is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-02-07
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. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-10-29
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below 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 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 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 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  Please remove it from my credit report.
Consumer complaint received 2023-02-07
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. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 2023-02-07
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I am in the process of trying to pay my promotional balances for XXXX XXXX XXXXr and I am being told that I have to pay my minimum payment before they can allow my payments to be applied towards the promotional plans, which is due before my minimum payment. On XXXX, I spoke with an agent by the name of XXXX who assured me that my payment for the month of XXXX would be applied to my promotional balance, but when I called today, I was told that I have to pay my minimum payment before they can apply anything to my promotional balance. Given the discrepancy in information provided, I am forced to believe that they are trying to make sure that I accrue interest, which I am no position to pay. This fraudulent practice must be called into question as consumers should not have pay their minimum balance before the due date.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!