davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausXXXX, Experian, and XXXX. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (IL)

I am writing to dispute and report the following information regarding the payments that have been made on this account from XX/XX/XXXX to XX/XX/XXXX. The monthly payment as noted in the contract and account is {$470.00}. The vehicle, XXXX XXXX XXXX, purchase price was {$16000.00} and financed at 27.99 % rate in the amount of {$18000.00}, bringing the total amount to {$34000.00} ; a down-payment was also made in the amount of {$1000.00} towards the purchase price. 

As of XX/XX/XXXX a total of {$33000.00} in monthly payments have been made. The current remaining balance ( Per Exeter Finance ) is listed as {$12000.00}. ( It was {$13000.00} on XX/XX/XXXX ). The correct remaining balance per all payments and fees paid shows that the account should list as Paid in Full ( see attached Loan Amortization Schedule ). Principal was not added onto my account consistently until XX/XX/XXXX forward. Even then the interest applied is inconsistent, changing as much as {$100.00} from month to month. Interest was only applied twice beforehand on XX/XX/XXXX for {$300.00} on a payment of XXXX, and on XX/XX/XXXX for XXXX on a {$470.00} payment. 

Exeter Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've made numerous phone calls through the years and finally sent a formal letter requesting all information and explanations on XX/XX/XXXX. The information I received back was in error and I believe, fraudulent. Exeter Finance never returns phone calls and customer service reps does not have the ability to connect to anyone in corporate headquarters or someone to assist me with authority to make corrections to my account. 



I need your assistance in resolving this amicably.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX Account Balance : {$31000.00}
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC (PA)

American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Customer Name : XXXX XXXX Account # XXXX I spoke to XXXX on XX/XX/2024 at approximately XXXX EST ( I made multiple calls since Friday XX/XX/2024 to inquire the location of my car ) XXXX stated she called the repossession company and repossession company stated they could not provide the lot 's location address. I informed that my personal property that I needed was in the vehicle and had to get it out, it was still stated that the address could not be provided. I am certain that American Credit Acceptance knew the address as they specifically shared the name of the company that the vehicle 's possession was in which is XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I was provided the phone number XXXX by American Credit Acceptance which no one ever picks up and when you leave a message you still do not get a call back. I was provided a secondary phone number as a result of not being able to get through to the first number provided by American Credit Acceptance, and that phone number was XXXX which you also couldn't get through to. Upon a simple XXXX search I was able to find the location that American Credit Acceptance themselves gave me the name to, thus showing they were well aware of the location address. I was told that they were not permitted by XXXX XXXX XXXX XXXX to give their location address. I continued to try to reach XXXX XXXX XXXX and finally spoke to someone ( through a different phone number that I also found via XXXX ) there who informed that this is not true at all. i inquired upon payment of my past due bill how was I supposed to pick up my vehicle if American Credit Acceptance could not provide a pick up location? There was no explanation or answer to that question. I asked American Credit Acceptance to provide that they could not provide the repossession company 's location in writing, and they refused. 

I realized that this is actually illegal. If a debt collector makes false statements or provides incorrect information, I can sue them under the Fair Debt Collection Practices Act. The information given regarding the retrieval of my personal property from out of my car was false and used against me to collect a debt, and once the debt was paid the information would have been given. As a result of this I would like my total debt with American Credit Acceptance removed, any late payments that were reported to be removed, and all fees for the towing and storage of my vehicle.
Consumer complaint received 2024-09-12
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (NJ)

In XX/XX/XXXX, my home was broken into, and all of my credit cards, identification, and other personal belongings were stolen. I immediately filed a police report about the break-in and theft ( which I can provide if needed ). This incident left me with very limited access to my financial resources, and I was working hard to recover from the damage caused by the theft. 

Due to this disruption, I was unable to make my Uplift payments in XXXX and XX/XX/XXXX. I was in a difficult financial situation, trying to rebuild my life and restore my access to funds during this period. Once my financial situation improved, I paid off the outstanding balance immediately. 

I have since contacted Uplift to explain the circumstances and request that the late payments be removed from my credit report, but I have not received a satisfactory response.
Consumer complaint received 2024-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX SANTANDER CONSUMER USA. XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : Santander & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (TX)

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 information is inaccurate.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chime Bank regarding a transaction issue that remains unresolved. 

On XX/XX/XXXX I made a purchase at XXXX for {$140.00} using my Chime account. Shortly after, the transaction cleared for only {$70.00}, leaving an authorization hold of {$71.00} unreturned to my account. 

Per Chimes policy, I should have been credited the difference immediately after the transaction cleared, given that only {$70.00} was debited from my account. However, this did not happen. When I contacted Chime 's customer support, I was informed that I must wait XXXX days for the {$71.00} to be refunded to my account. They also claimed that XXXX is responsible for the delay. 

I find this explanation unacceptable as it contradicts Chime 's own policy regarding the handling of authorization holds. This delay in returning my funds is causing undue inconvenience and financial stress. I believe Chime is not acting in good faith by holding onto funds that should have been promptly returned. 

I am seeking the CFPB 's assistance in resolving this matter and ensuring that Chime returns the {$71.00} to my account without further delay. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WA)

I saw a negative item on my credit report associated to an LVNV Funding LLC in the amount of XXXX. I contacted LVNV Funding LLC to request documentation of the debt. I was advised that they do not have that information and it was placed with Resurgent Capital Services LP for collection. I contacted Resurgent Capital Services LP to request documentation of the debt. 

On XX/XX/XXXX I received a letter, a single invoice dated XX/XX/XXXX, and an account statement printout with various involved entity names.. 

I have 3 distinct concerns related to this account which Resurgent Capital Services LP purports is related to a XXXXXXXX XXXX XXXX XXXX XXXX 

1 ) The Letter states " As of the date of this letter the balance owed is {$910.00}, which includes {$0.00} of interest. '' The invoice, dated XX/XX/XXXX states : " Total interest charged in XXXX : {$130.00} ''. 
This interest amount represents approximately 14.66 % of the total balance being pursued, which Resurgent Capital Services LP misrepresented as {$0.00}. 

This is a blatant, obvious, and clear misrepresentation and is not consistent with FDCPA, FCRA, and the laws of Washington state or South Carolina state. 

The invoice also states : " Total fees charged in XXXX : {$380.00} ''. 
These fees represent approximately 42 % of the total amount, and were not delineated as a separate portion of the amount placed for collections. 

2 ) The invoice provided does not suffice to demonstrate the validity of the original debt that is being claimed. There is no supporting documentation to indicate the validity of the original account with the creditor, nor is there documentation to indicate the right of either LVNV Funding LLC or Resurgent Capital Services LP to pursue the purported account. 

3 ) On XX/XX/XXXX, at approximately XXXX XXXX PST I contacted Resurgent Capital Services LP at XXXX. I was advised by their agent XXXX that I am obligated to provide my full social security number. I offered to provide the Reference ID in the letter sent from Resurgent Capital Services LP. The agent insisted I must provide my FULL SSN 4 times on the call, before I requested an escalation. 
This is explicitly advised against in Consumer Facing guidance on the CFPB website. Demanding provision of a full SSN is not consistent with the CFPB guidance and FDCPA obligations, and the repeated insistence is indicative of a training XXXX  by Resurgent Capital Services LP to demand this.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Uplift, Inc (GA)

Someone used my name to this company trying to book a cruise? It was not me an if you look at my payments I never missed a payment on none of my bills. Everything on my bills are accurate an now they have this on my account that has dropped my credit score causing me to miss out on things I want when all my bills an credit are current. I have called the company an no one has got back with me yet? Very interesting how they said I missed 4 payments on things I dont have any knowledge of
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Fraud Case number : XXXX Accounts ending in : XXXX XXXX XXXX XXXX XXXX XXXX  Ph no. XXXX To whom it may concern.

I am writing to request a reissue of funds for the violations on my past Wells Fargo Bank accounts.

In the case of Consumer Financial Protection Bureau vs Wells Fargo Bank.

Violations : - Illegal use of identity - Illegal use of bank accounts- Unauthorized product enrollment - Hinderance of financial opportunities - Misuse of public trust - Potential credit score impact - Emotional distress and pain and suffering.
I am requesting the amount of {$50000.00} USD to be reissued to me XXXX XXXX XXXX in the form of a check sent to my address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Thank you, Respectfully submitted.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (FL)

Good afternoon, I have previously submitted a complaint on 2 late payments ( XXXX XXXX XXXX on our credit history from Mr.Cooper /NationStar/ XXXX XXXX . Much of the information in the response contradicted itself in their letter. One being that we were informed of a payment change in XXXX ( which is true ) ; however, that was not effective until the XX/XX/year> payment. It states that in the response from Mr.Cooper. I responded back to their response stating that information through out the letter was inconsistent and asked for someone to look at the case again. I did not get a second response and the case was closed. I'm asking that someone please read thru the information provided again. We have been informed by several mortgage companies that what they did was wrong and needs to be addressed. Attached you will find responding letters, Mr. Cooper 's Letter, etc. Thank you looking into this for us. It's devastating to work so hard on your credit, only to have something like this destroy all your hard work.
Consumer complaint received 2020-06-17
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. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX  XXXX, 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.