davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
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: Alliant Capital Management LLC (FL)

Several Repeat voicemails from XXXX. Several Repeat phone calls from XXXX. Caller XXXX XXXX does not state what company he is with. Uses phrases like trying to locate and a complaint has been filed against your social security number. XXXX search shows this caller is from Alliance Capital XXXX XXXX This harassment need ps to stop.
Consumer complaint received 2023-05-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX Equifax XXXX and XXXX.
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (CA)

On or around XXXX of XXXX, I was contacted on line by a representative of Ygrene. They told me I could make badly needed improvements to my home, and have the cost of the improvements paid over time through my property taxes. The connected me with one of their contractors who gave me a quote. 

Ygrene stated they would pay the contractors {$6800.00} and i would then have a lien on my property for that amount. They told me i could refinance at will without having to pay the lien as it would subordinate to any lender and, that i could also pay the lien off at any time without penalty. 

In XXXX of XXXX, i started a refinance and was told by my lender that the lienYgrene established would not be subordinated and that i had to pay it off. I asked for a payoff quote and was charged {$25.00}. on the payoff quote, i was told i was getting a 5 % prepayment penalty to pay off my lien and, more importantly, the payoff quote shows an original loan significantly higher than the contract amount, for a total of {$8000.00}. 

They refused to waive the prepayment penalty, refused to explain why my lien amount is higher than the signed contract amount so now i have to pay extra just to get out of this horrible situation.
Consumer complaint received 2023-05-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (CA)

Got a loan from CashNetUSA for {$600.00} in XX/XX/XXXX and have a outstanding balance of {$720.00}. Since then I have paid almost {$2000.00} in payments due to having some issues over the time of my loan period. I have more payments coming and it will end until XX/XX/XXXX. I have contacted CashNetUSA and have tried to work out a settlement but according to the contract I have signed they don't do settlements or work anything out. It seems like the payments I am making are not making much of a impact and these are the payments I did get worked out with CashNetUSA.
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

I XXXX XXXX a natural person is writing to dispute inaccurate information on my credit report. The information in question relates to an account with XXXX XXXX, account number XXXX. 

The information provided by your agency regarding this account is inaccurate in several ways. Firstly, the date the account was opened is listed as both XX/XX/XXXX and XX/XX/XXXX across different credit reporting agencies. Secondly, the date of last payment is also listed differently across different reporting agencies, with dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being reported. Additionally, the reporting date is listed as XX/XX/XXXX and XX/XX/XXXX, which is also incorrect. 

Furthermore, one of the credit reporting agencies is reporting the account as paid off, while another is reporting it as derogatory, which is contradictory and inaccurate. 

According to the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Additionally, Section 623 ( a ) ( 2 ) of the Act imposes a duty on furnishers of information to provide accurate information to credit reporting agencies. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-26
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: Source Receivables Management LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Send the company a letter in regards of late payments show up accumulated during the pandemic. Demand them to remove it and it be more then 45 days this company has not responded or hasnt removed the late payment. 
According to the CARES ACT Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et. seq., this is violating my rights as a consumer I ask for you to remove it immediately with a copy of the update or removal thank you. I havent received anything and I have gave this company more then a timely manner
Consumer complaint received 2023-05-19
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 05 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a 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 2023-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/XXXX i disputed a closed collection case with a past due balance. The account was open in XXXX in which it should be deleted due to new jersey statute of limitations.

n I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as, having a BALANCE of {$810.00}. 
This is a violation of the FCRA and is in violation of requisite Compliant reporting standards. According to the Fair credit Reporting Act I have the right to a completely accurate credit report,
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I opened a credit card fraud claim with Bank of America after I noticed 2 unauthorized transactions on my credit card on XX/XX/XXXX : {$200.00} and {$12.00}. 

On XX/XX/2023, Bank of America rejected my fraud claim stating that my physical card was used for the transaction, indicating " you or someone you allowed to use your card was present ''. I explained that I was a victim of a fraudulent taxi scam in another country I was traveling in and was used unlawfully. My card was " rejected '' by the driver so I was told to pay in cash. Only to find out that my card was skimmed. I discovered that 2 unauthorized transactions were made to my credit card as a result of this situation.
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Dear CFPB. I am writing to file a complaint against Experian. I reached out to Experian on XX/XX/23 and did not receive a response after 30 days. I reached out a gain on XX/XX/23, demanding a response and again did not receive an answer. I am attaching copies of both letters and copies of tracking showing delivery receipt. 

Experian is reporting several accounts on my credit report that I have disputed as inaccurate. Under the Fair Credit Reporting Act, a XXXX XXXX XXXX has to review and respond to every dispute it receives within 30 days. If the review isn't complete, the agency is obligated to remove the disputed record. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that Experian has failed to respond to my dispute letter within 30 days. They have also failed to respond to my XX/XX/23 letter as well. I have enclosed a copy of both letters sent on XX/XX/23 and XX/XX/23 withXXXX XXXXracking showing a delivery receipt to Experian. I am maintaining detailed records of all my correspondence with them. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) states that Experian must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so, I am demanding that they remove the below six items from my credit report with Experian bearing my social security number. The six accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called the 3 Credit Bureaus after I purchase a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

We are currently enrolled to help with our debt with XXXX XXXX One of the companies we enrolled was American Express. In XXXX of XXXX, we started the program with XXXX fiXXXX. We started putting money into our dedicated account XXXX of XXXX BECAUSE we want to pay our debt at a number we can actually afford as retired military. Our first missed payment to AMEX wasnt until mid XXXX. We didnt hit 30 days missed payment till XX/XX/XXXX. Currently in XXXX of XXXX. Only 5 months out. It started with calls and letters which we expected. We directed them to XXXX XXXX and told them we are working on fixing our debt. That they WILL be paid, just please contact the company we are working with to fix this. We understand they want a payment and we havent said we wont. We are just going through a company to do so. Apparently thats an issue. They refused to let us speak, refused the information, cussed us out on numerous occasions and even had a guy who said he represented American Express call us and cuss us out. The last call was in XXXX where a VERY aggressive and loud man was demanding payment and again, refused to take the information on the company we are working with. Ended up having to block the numbers to stop the harassment. 
We are 5 months out. Thats it. They have refused to work with us or XXXX XXXX and are now trying to sue us. We havent been served, yet we got a letter stating we were being sued that wasnt even certified. 
The amount that is owed is XXXX XXXX ( That doesnt include the extra fees they have recently added ) Our last payment we made was XX/XX/XXXX at XXXX and XX/XX/XXXX of XXXX. 
Not once have we said anything negative. We have continuously tried to explain the situation and it sounds like they would much rather harass us than fix the situation and are now creating stress. Theres an old saying, you cant get blood from a turnip. Their fees had gotten higher regardless of making monthly payments, they never once reached out politely and instead were absolutely atrocious. All we are asking is for them to work with XXXX XXXX. Speak to them at least. But they wont. So now Im done trying. They have people coming to our house now harassing us. I have video proof. Whatever info you need, please dont hesitate to contact us so we can get this fixed ASAP. 
Again, we want to WORK with them. They just refuse to work with us. Im unsure of how to upload the video to here as its 5 minutes long. And the letters I have, AMEX has sent to us. XXXX XXXX has all of our dedicated account information and Im sure can share the program with you. I am attaching our proof of working with our debt as well as the last statement we received.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had XXXX XXXX initially set to build me a new website on XX/XX/year>, because my website had been down for almost a year the worldwide web. The cost for the website and the professional services was {$2900.00}. I had contact chat services and they redirected my website pointing and the next day my website was restored, so I immediately call XXXX XXXX customer service to cancel the order because I had XXXX to cancel the order. The customer service agent said it was above his ability and he had to forward to his superior and that someone would email me and contact me with my refund information within XXXX hours. I filed a dispute with Bank of America via my app because this is my business checking account. XXXX XXXX  someone called a week or so later stating I would have my refund in XXXX business days and to date I have NOT been refunded anything. Bank of America has reached out to XXXX XXXX  and it can take 45 days I was told for this process to be completed but my money returning was not guaranteed because the service never happened. I have recently emailed XXXX XXXX | XXXX XXXX Consultant and he is giving me the run around too.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}. Please update ASAP.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.