davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bounce AI, Inc. (TN)

RE : account name : BOUNCE AI INC Address of creditor/collection agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX number XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 48 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-05-16
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. (FL)

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-07-17
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. (AZ)

Throughout the last 2 years, I have dealt with a fraud account that appeared on my credit report. I have made a report through CFPB about it and shortly after filed a police report. I have sent the CFPB report and police report to all three major credit reporting agencies ( Experian, XXXX and XXXX ) requesting for this account to be removed ( Commenity ). Most of them removed this account after seeing the police report and CFPB report however the only credit reporting agency that is not removing it has been Experian. I have submitted 6 disputes throughout the course of 2 years, including the police report and CFPB report however every time, they refuse to remove this fraud account. This is really affecting me and my family personally, as we are being denied buying a home and even being denied home rentals. This fraud account is only being reported by Experian... I attached all 6 disputes results that were submitted these past 2 years and also the police report and CFPB report regarding this fraudulent account.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I noticed an incorrect account on my report that i do not recognize. It has hurt me financially. I dont know where it came from and why its on my report. My information has been compromised due to the XXXX breach. delete account from my credit report immediately.
Consumer complaint received 2024-10-07
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are
required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was stolen and as a resulted there was identity theft and unauthorized hard inquiries on my credit report. These inquiries, which do not belong to me an do know were they cam from because it was done without my authorization, and because of it I have had a significant negative impact on my credit score. As a result of this inaccurate reporting, I am now facing discrimination from banks and credit unions, who may view my credit history unfavorably due to these unjust inquiries. This situation is not only damaging to my financial reputation but also limits my access to essential financial services.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and the Identity Theft and Assumption Deterrence Act provides additional protections for victims. I believe I am entitled to compensation for the damages caused by this situation and seek your assistance in rectifying it.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I am writing to seek your assistance regarding an issue I have encountered with my Amazon Store Credit Card issued by Synchrony Bank. My goal is to formally request the closure of this account and the removal of late payment reports from my credit report that I believe is inaccurate. 

Recently, I discovered an unexpected late fee and interest charge on my credit card statement, which I do not recognize. Despite my disagreement with these charges, I paid the full balance upon discovering the issue. However, I no longer use this credit card and would like to close the account to avoid further complications. 

The late payment has negatively impacted my credit score, and I believe it does not accurately reflect my payment history. I would appreciate your guidance on how to formally address this matter with Synchrony Bank, and if necessary, to dispute the late payment reporting with the credit bureaus. 

Thank you for your assistance in resolving this matter. I look forward to your guidance on the next steps. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NH)

Currently hold a Home Depot credit card. They often offer promotional " financing '' opportunities to extend no credit purchases of certain monetary amounts for various lengths of time ranging from 6-24 months, at no interest, with minimum payments. I took advantage of such offers while building our retirement home. Citibank is the financier behind the card. When making a payment to clear my revolving monthly balance ( as to not incur their 17.99 % interest charge ) the company redirected those funds to an allocation of their choice- to pay off an upcoming, not yet due promotional balance. This left a balance in the revolving line item which if not paid off the following month would begin to accrue interest. This was not my intent so I called the company to allocate my payment as I originally intended only to be told that was not possible. It seems their system intentionally allocates payments to attempt to confuse consumers and " trap '' unknowing or less educated consumers into paying outrageously high interest. They engage in several tactics to misguide consumers so they find themselves paying the inflated interest rates. These include adding this allocation practice to the small print of their terms and agreements, not allowing consumers to direct their payment to the amounts they want, requesting minimum payments which would lead to interest, not clearly stating what payment is needed as to not incur interest, placing that amount in smaller print below the main statement details, and telling a consumer they are unable to allocate their money where they chose. These are predatory lending practices designed to confuse consumers, take advantage advantage of Americans less educated in financial matters and force them to pay extremely elevated interest rates. It is a horrible practice designed to prey on the most vulnerable of our population.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (SC)

Exeter Finance accepted multiple car payments from me and provided confirmantion numbers after each transaction. All transactions were cleared my banks however, Exeter finance claimed to not have received any of my payments. During this time of confusion I reached out to my primary bank to have them buy out the auto loan in which arrangements were made. During this process Exeter wrongfully repossessed my car. They also received the pay off check from my bank with the tracking numbers for it which they requested. The representative claimed to not be able to locate the check in thier system. I even arranged a 3 way call with Exeter Finance and my banker from XXXX XXXX XXXX XXXX in hopes of resolving this matter. Exeter was provided with proof that the payments were made on the car and that the funds were removed from my checking for the car. They also were provided with the check numbers and tracking numbers for the pay off check. After, giving them a week to locate the check on their end, I reached out to XXXX XXXX to cancel the pay off check so that I wouldn't be responsible for paying it being that Exeter had picked up my car, had my on time payments and claim to not be able to locate my check in their system. At this point, I just want them to remove ALL late payment claims from all credit bureaus and close this account out ASAP! 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 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.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

Ihad purchased gap in surance and my car was impounded and in less than a month wells fargo went to impound and retrieved car and auctioned off for less than i owed but no wordonthe gap insurance and i was not maybe one payment behind should not have been repo and i later recieved a letter stating that they had made a mistake in processing that they owed me money
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, Tx XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2024-07-17
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. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

My credit rating debt usage has been negativity impacted by the erroneous statement issued by indigo credit card causing my usage to reflect at XXXX %. I made my payment in full on XX/XX/year> - confirm # XXXX. However Indigo reported to the credit bureaus that I have a balance of {$280.00}. In addition the posted statement to my account on their website reflects {$280.00} in error as well. I spoke with a representative XXXX to resolve the issue the language barriers at this company makes it impossible to resolve errors they have caused. This in accurate reporting has caused my credit score to drop making me ineligible for approval on the unwriting of my mortgage loan I was set to close on XXXX, 2024. My family has suffered a huge set back because of Indigo Credt Card.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-16
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: WELLS FARGO & COMPANY (CA)

I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 :
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, Transunion, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Consumer complaint received 2023-05-16
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

My father, XXXX XXXX XXXX, died on XX/XX/2023, rendering his reverse mortgage due and payable. I certified mailed a letter of intent to sell the house, and a request for a six-month extension, along with a death certificate, to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
Monday, XX/XX/2023, ( yesterday ) when I called customer assist, XXXX to find out why I had not received back the green stub proving certified mail was received, I spoke to " XXXX, '' and she said that they " did not '' receive certified mail with my letter of intent and death certificate. 
She gave me the fax number for XXXXXXXX XXXX  XXXX, XXXX, and the email address, XXXX. 
On Monday, XX/XX/2023, I went to postal annex and faxed a copy of my letter of intent, using the fax number XXXX gave me. 
I also emailed multiple photos of my letter of intent and death certificate. 
I also went to the post office and mailed two copies of the entire Trust and Last Will, letter of intent, death certificate, and signed authorization by me, to contact my attorney. One of them I sent Certified Mail, and the other copy I sent Priority Mail. 
The email came back to me, stating that they refused to receive it! 
I contacted CFPB today because I know that they can get through to XXXX XXXX