davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CHALLENGE FINANCIAL SERVICES (NV)

On XX/XX/XXXX my wife & I went to purchase a used vehicle. We chose a XXXX XXXX XXXX. 45 minutes after the purchase on the freeway the motor almost came out of the car do to bolts missing. We returned to the dealership where the deal was unwound & we picked a new vehicle which was a XXXX XXXX XXXX. We were told myself could not go on the loan because the vehicle was more exspensive & i had no provable income. we purchased the vehicle my wife signed the contract & we left. XXXX, XXXX I received a call from Challenge Financial ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying the truck had defaulted & I owed money. I told them I never signed the contract. They sent me copies of a contact that did not have my signature on it but it was not my signature. The car dealership had added me back to the loan without me being notified & put me on the contract obviously to push it through. I have tried to work with them to resolve this & they have refused everything I have offered including a hand writing analysis. Im truly sick of arguing with them & just want to be released from there fraudulent contract & have it removed from my credit.
Consumer complaint received 2022-03-13
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. (DE)

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )
Consumer complaint received 2022-03-13
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. (PA)

I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.
Consumer complaint received 2022-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

My loan was set up without an escrow account for taxes. I pay my taxes ON TIME every quarter myself. Two times now PHH has sent money to the tax collector from a non-existent escrow account and then sends letters that I need to reimburse them or face default. My tax payment has never been paid late by me and trying to resolve this issue is impossible. I have called multiple times with no resolution.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (IL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I'm trying to dispute an old account that has since been removed from XXXX but every time i try to dispute it through transunion it says please try again later. Then i tried going directly to their website and logging in but there website also does not work. The page half loads and shows no information to dispute despite being fully logged in.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I've been with NFCU, union for at least the past XXXX. There were times I was charge overdraft fees, when I had money in my account, I also have oops. Please just take a look and make sure I wasnt illegal charged these fees
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: Experian Information Solutions Inc. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
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: Experian Information Solutions Inc. (OR)

I am submitting a complaint regarding inaccurate information on my credit report related to a XXXX account. 

Incident Date : [ Date you reviewed your credit report ] Original Account Amount : {$910.00} Account Number : XXXX ( omitted for privacy ) Actions Taken : Credit Report Review : I discovered inaccuracies, including discrepancies in dates and account status. 

Formal Dispute : On [ Date you sent the letter ], I sent a dispute letter to XXXX requesting verification of the account under the Fair Credit Reporting Act ( FCRA ), noting the information was inaccurate and unverifiable. 

Request for Deletion : I requested the account be removed from my credit report if they could not validate the debt, as required by the FCRA. 

As of now, I have not received a satisfactory response from XXXX. I seek the CFPB 's assistance in resolving this matter and ensuring accuracy in credit reporting.
Consumer complaint received 2024-09-03
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX Inquiry XXXX XXXX
Consumer complaint received 2024-09-26
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. (OK)

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 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 informationisinaccurate.
Consumer complaint received 2024-09-26
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. (NJ)

This company has violated my rights to privacy. I never gave them permissible purpose to furnish any report on me. According to law 15 USC 1681b, no permissible purpose is identity theft and i have the right to block any information resulting in identity theft.
Consumer complaint received 2024-09-26
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. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX2 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
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: Experian Information Solutions Inc. (IL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-26
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. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

At 35 days past due, I received a letter notifying me they may accelerate and foreclose. I was instructed that I must make payment in the amount totaling two mortgage payments and additional fees in 30 days. One of the months included in this payment of certified funds was not even past the so called grace period. I strongly object to being required to make a special payment to them. If I have funds to pay the loan they should take it in whatever form I can give it. When calling the company the person I spoke with was ignorant and deflected as to the reasons the refuse payment via the app and require a special payment. She was not able to confirm to me that the letter was sent and she was not able to confirm receipt of funds. This requires me as the homeowner to constantly track what they are doing so as not to be caught off guard. This company is clearly predatory and uses any leverage they can to try and foreclose as soon as possible.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX*Subject : ** Complaint Regarding Regions Bank Account and Credit Card Issues Dear CFPB, I am writing to formally submit a complaint regarding my Regions bank account and credit card. Over the past week, I have experienced several difficulties related to my account, and I am seeking your assistance in resolving these issues. 

First, I have encountered problems in making payments, including payments that were submitted without my approval. Additionally, there appears to have been a miscalculation of funds when payments were applied to my account. Specifically, the payment amounts have not been accurately reflected as the new balance, which has created confusion and concern about the accuracy of my account statements. 

These discrepancies are unacceptable, and I am requesting an immediate review of my account to address the unauthorized transactions and correct the payment application errors. I expect Regions Bank to take swift action to resolve these issues and ensure that my account is properly managed going forward. 

Please feel free to contact me at [ phone number ] or [ email address ] if you require further details or documentation regarding this matter. Thank you for your attention and support in resolving this situation.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

I had a checking account with BBVA in XXXX XXXX XXXX. The account was always in good standing. BBVA sold the bank to PNC without any prior notification or agreement with the customers. I didn't use the PNC account for a while because I didn't really need it but then I decided to starting using it. I deposited {$20.00} into the account and the next thing I know, my account has been closed without any prior notification or reasons. I am a XXXX XXXX XXXXXXXX XXXX XXXX  and I didn't expect this treatment from a bank that I had no prior dealings or problems with. I can't understand the reasoning behind PNC 's actions. Is this the way they treat XXXX XXXX?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

**To Whom It May Concern, ** **Subject : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to request an update to my personal information in your records. Please ensure that the following information is the only data associated with my accounts : - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached will be documents to support my dispute.
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I divorced XXXX XXXX XXXX, XXXX. 
In the divorce XXXX XXXX was granted the house with the mortgage. 
I quit claimed all rights to the house to him. 
He claims he has attempted to pay the mortgage in full but the mortgage holder refuses to take the payoff. 
My credit rating continually downgrades me because we took out the mortgage in the XXXX 's. 
I have remarried over XXXX  years, and have a steller credit rating, but do to this I continually get downgraded! 
PLEASE HELP!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Management has unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$690.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Midland Credit Management has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against Midland Credit Management XXXX I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.