davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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: ENOVA INTERNATIONAL, INC. (FL)

Subject : Formal Dispute Regarding Inaccurate Credit Reporting Immediate Correction Required Complaint Number : XXXX To Whom It May Concern : I am writing in response to your communication regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX, in which I challenge the accuracy of the information reported on my credit history. 
Upon reviewing my credit report once more, I have identified several serious inconsistencies that invalidate the accuracy of your reporting : 1. Inaccurate Information on Payment Status : The credit report I have reviewed shows that, according to XXXX, my account with XXXXXXXX XXXXNetCredit was current in XXXX and XX/XX/year>, except for XX/XX/year>, where a 30-day late payment is reported. 
In XXXX, it reflects that there was only one late payment in XX/XX/year>, while the payments for XXXX and XXXX are marked as on time. 
These data points contradict your statement that a 30-day late payment was reported in XX/XX/year>. The discrepancy between the different credit bureaus, along with the absence of negative reports in XXXX, raises significant concerns about the accuracy and consistency of the information you provided to the credit agencies. 

XXXX. Right to a Full Investigation Under the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my credit report and to expect a reasonable reinvestigation of that dispute by the credit reporting agency. Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher of information ( such as NetCredit ) receives notice of a dispute, they are legally obligated to conduct a thorough investigation, correct any inaccuracies, and notify the credit reporting agencies of the corrections. 
Your communication indicates that there were no formal disputes prior to my CFPB complaint, which is incorrect. My contact with your customer service team on XX/XX/XXXX and XXXXXXXX XXXX, clearly constituted attempts to resolve this matter, which you have failed to acknowledge or investigate properly, thus potentially violating your obligations under 15 U.S.C. 1681s-2 ( b ).
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Re : Citibank/Home Depot Credit Due/Billing Dispute XXXX XX/XX/2024 I made a purchase for {$160.00} for a XXXX gallon of paint, paint which was never received. I called the Home Depot store and was told that I was going to be reimbursed for the purchase of {$160.00} + taxes. 

On XX/XX/2024 I made a complaint to Citibank regarding not seeing this credit dispute. A tickets was opened and on XX/XX/2024 I received correspondence that I would receive the credit in my account in XXXX billing cycles. I have yet to see that credit on my account. 

I want the company to credit my credit card immediately.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I sent a validation of debt letter to LVNV Funding LLC for a credit card debt that is reporting on my credit report. I asked them to validate the debt and all they sent me was a copy of an old bill. The debt was not validated like I asked. I have never had a XXXX credit card. I have attached a copy of the letter I sent LVNV Funding and also the letter they sent back to me.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

Dear GM Financial, I was shocked and confused to find a late payment reported on my credit report for XX/XX/year>, marked as 30 days late. This reporting is both unfair and inaccurate, as I refinanced and bought out the lease with GM Financial, which should have prevented any late payments. 

I am certain that I made all required payments promptly. If a payment was missed, it may have been due to a delay in receiving my monthly statement. 

I kindly request the immediate removal of this late payment from all credit reporting agencies. Given our positive relationship, I also ask that you remove the XXXX late mark from my credit report and refund any late fees assessed on my account. 

Additionally, I believe I was billed incorrectly under the provisions of the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b, 1681i, and 1692g. Due to these violations and the inaccurate reporting, I demand the immediate deletion of this negative item. 

I trust we can resolve this quickly and maintain the positive relationship we've had. I appreciate your assistance and look forward to continuing our positive experience. 

Sincerely,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, GA XXXX XXXX XX/XX/year> Apple : Goldman Sachs Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Subject : Request for Debt Validation Dear Apple I am writing to formally request validation of the debt associated with my account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this matter and would like to exercise my right to request detailed information about the debt you claim I owe. 

Please provide the following information : 1. The total amount of the alleged debt.

2. The name of the original creditor and the nature of the debt.

3. A copy of any agreement or contract that demonstrates my obligation to pay this debt.

4. Documentation that proves you have the authority to collect this debt.

5. A complete account history, including the dates when the debt was incurred and any payments that have been made. 

Additionally, please halt all collection activities until you have provided the requested validation. If you are unable to furnish the necessary information, please consider this debt disputed and remove any negative reporting associated with it from my credit report. 

I appreciate your prompt attention to this matter. Please send the requested information to my mailing address listed above. Thank you for your cooperation.
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2024, I XXXX XXXX was approved for a vehicle at XXXX XXXX XXXX XXXX, but was told by the dealership that Santander Consumer USA is requiring me to make a downpayment while my goal is to make a consumer credit transaction were cash isnt involved.
Consumer complaint received 2024-09-11
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)

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

I have a business account with XXXX XXXX XXXXXXXX and I am the legal representative. On XX/XX/year>, at XXXX XXXX, I went to make a deposit at an ATM while visiting my sister. I mistakenly deposited the money into a US Bank ATM. I inserted my XXXX XXXX XXXX card, which the machine accepted and read, allowing me to proceed with the deposit. I deposited {$4900.00} in cash, but instead of canceling the transactionwhich would have been the logical actionthe ATM retained my money and issued a receipt. The receipt was in XXXX, my first language, and stated that an error had occurred, and that the funds could neither be credited to my account nor returned. It instructed me to contact my financial institution using the number on the back of my card, and thats where my nightmare began. 
I went in person to the US Bank branch where the ATM was located to seek help. Their response was that I needed to contact my bank to file a dispute so they could facilitate the transfer of the money to my account. I then called my bank, XXXX XXXXXXXX XXXX, and was told they could not assist because the issue was with a US Bank ATM. When I contacted US Bank again, they told me it was up to XXXX XXXX  XXXX. After more than XXXX calls on the same day, I decided to visit the US Bank branch in person at the end of the day and spoke with the XXXX. She reiterated that she could not help because the ATM service was outsourced and she did not have access to the money. We needed to contact my bank XXXX XXXX XXXXXXXX XXXX ) to open a claim so they could facilitate the transfer. During this call with the XXXX present, the advisor initially repeated the same information but eventually provided us with a claim number that turned out to be false. We were told to wait XXXX business days for a response. 
On XX/XX/year>, we called again and were informed by an advisor that the claim number was not valid and was only a call reference, meaning we had not received a genuine resolution. That same day, we returned to the US Bank branch and spoke with the XXXX again. We called the bank once more and were finally given a valid claim number. This occurred on XX/XX/XXXX. A few days later, we saw the {$4900.00} in our account, so we assumed the dispute had been resolved. We did not check the account again until yesterday, as it is a business account reserved for a project that is on hold. We discovered that the money had not been debited. When we called for an update, we were informed that the money could not be found, and US Bank has not provided any answers. Essentially, we do not know who has our money despite US Bank accepting it at their ATM. XXXX bank blames the other, but neither provides a solution, and I need my money. Neither bank offers clear guidance on the exact process we should follow, and I feel as though I have been robbed.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (MA)

Dear FIRST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute a medical debt of {$600.00} that is incorrectly reported on my credit report. I have contacted the original creditor, who confirmed that there is no information related to this debt under my personal account. Therefore, I do not owe this balance to your company or any other. 

This reporting is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ), as well as the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other consumer protection laws. The inaccuracies concerning this account violate both my privacy rights under HIPAA and my rights under the FCRA and FDCPA.

Specifically, I believe your actions infringe upon my rights under : 15 U.S.C. 1692e : Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f : Prohibiting the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g ( b ) : Requiring proper validation of the debt and notification of my rights.

15 U.S.C. 1692d : Prohibiting harassment or abuse in the collection of a debt.

HIPAA Privacy Rule : Prohibiting unauthorized disclosure of my protected health information ( PHI ).

To resolve this matter, I require the following documentation : Evidence of your authorization to collect this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692f.

Legal basis for the collection of this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete account history, including all collection-related charges.

I demand the immediate removal of this account from all credit reporting agencies and the cessation of all communication and collection activities, as provided under 15 U.S.C. 602 ( a ) and HIPAA. Failure to comply will result in further legal action to protect my rights and interests. 

Your prompt attention to this matter is appreciated. 

Sincerely,
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( Axcess financial ) XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-02
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. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX -block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-01
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. (OH)

I seen an account by XXXX XXXX that is in violationof my rights also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2024-09-13
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. (GA)

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX  Account # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX I made two payments of {$500.00} to XXXX XXXX Bank and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus Experian XXXX, XXXX XXXX have reported false information and or reported XX/XX/XXXX instead of changing my report to current status and removing negative information. Please investigate all parties involvedXX/XX/XXXX, Experian, XXXX XXXX
Consumer complaint received 2024-10-02
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. (AZ)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea why theyre there. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but nothing changed. These incorrect accounts stayed on my report, and now Im left feeling completely lost. Im asking for the documents Ive sent to be thoroughly reviewed, so I can finally stop worrying about this.