davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (GA)

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent : XXXX XXXX - Inquiry Date : XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately. 

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (OK)

I opened up this loan and have never been late I should not be increasing at all should be decreasing by them report that the loan has increased its dropping my credit score they need to correct the balance and remove that from all 3 credit bureaus
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX  XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO, Employers : XXXX XXXX  XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , CO XXXX
Consumer complaint received 2024-07-29
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. (FL)

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. 
Sincerely,
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/year> I tried to make a purchase at Dillards and was told card declined. I called Dillards Wells Fargo ) on XX/XX/year> and was told that XXXX XXXX  now service my Dillard 's card then I called XXXX XXXX  and was told that my payment is late. I stated that I sent the payment to Dillards ( Wells Fargo ) that was received on XX/XX/year>. XXXX XXXX  stated that my payment is due on XX/XX/year>. I said I will request refund from Wells Fargo ; and I do not understand why during their transition that the banks did plan that Initial payment from consumers would be sent to the correct service provider. I called Wells Fargo who source customer service out to the XXXX ( very frustrating ) told me there is nothing could be done. I continue calling others numbers at Wells Fargo until someone told me that my money will be returned the way I sent the money which was electronically. Again, Wells Fargo received my money on XX/XX/year> verified by my bank and as of today my money has not been returned. XXXX XXXX  is waiting to be paid and will charge me late fees because Wells Fargo is holding my money when there is no longer an account but they get to earn interest.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX XXXX XXXX  XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX Information : Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Employers : XXXXXXXX XXXX XXXX XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

TO WHOM IT XXXX CONCERN I recently received a copy of my Equifax report, and I noticed some incorrect information reporting on my credit report.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible Purpose of consumer reports. THE LAW CLEARLY STATES : ( A ) In general Subject to subjection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Failure to respond satisfactory with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]. Please delete the following 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 XXXXXXXX. {$3100.00}.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (TX)

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as Equifax, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX XXXX and Equifax and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

XXXX Sear, Dear Sir/ Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account number # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purposes expressly allowed by law ( such as notification of legal actions or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The Credit Reporting Agencies XXXX, XXXX, and Transunion have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions. 
15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned Credit Reporting Agencies XXXX XXXX, XXXX, and Transunion ) in another complaint. The XXXX mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They violated several rights from the consumer law while heisting my information and putting me into a contract with a third party. They failed to provide written notice ( disclose ) the right to rescind while not providing insurance. They also charged me with a down payment with a finance charge.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$600.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt.

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt.

Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (MI)

Firstly, the company messed up the autopay, so the payment got behind. Then I suffered two events that severely impacted my financial situation. I was ill and off work for a month, and my husband was laid off. We are going through a huge financial hardship, and I asked the representative, what options there are available, so I can both take care of the loan, even while I am struggling. The person explained there were no options. They said because it was a new loan the company wouldn't restructure. They said because it was my loan wasn't with the company long enough. They were rude and unkind in their wording.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Re : XXXX & XXXX - I am still owed {$50.00} due to an overpayment to my loan. Questions from my previous complaint were not answered. All items must be addressed.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (TX)

RE Account Numbers XXXX Mercedes Benz Financial Services, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2024-09-23
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.