davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sentry Credit, Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, DOB : XX/XX/1995. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENTRY CREDIT, XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX WY XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-18
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: Bread Financial Holdings, Inc. (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-18
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: National Credit Systems,Inc. (MD)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Maryland FCRA Laws Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX XXXX Maryland. 

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

the interest on the loan is 209.26 % FINANCE CHARGEThe dollar amount the credit will cost you. ( XXXX ) $ XXXX MOUNT FINANCED The amount of credit provided to you or on your behalf {$2700.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled {$9300.00} i would have never taken out a loan and pay triple the amount in interest
Consumer complaint received 2023-12-18
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations Needed in My Credit Report Dear Transunion, I hope this message reaches you well. I'm writing urgently to address critical discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ) guidelines. Upon thorough examination, it's evident that several errors persist within my credit profile, signaling a significant oversight of FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably reflected in my recent denial for extended credit, stemming from errors originating from your agency. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

I urgently implore swift action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.
Consumer complaint received 2024-09-03
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. (OH)

I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses. 

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to identity theft
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-08-28
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: EQUIFAX, 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.
Consumer complaint received 2024-06-10
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

Loans started in XXXX I was told I got grants that did not need to be paid back, which I later found out the max amount was being taken out. It was reported for the first time that I had dropped out of XXXX in XXXXXXXX XXXX XXXXXXXX despite me not taking any breaks or dropping out. This put me into automatic repayment for the first time. Then again in XXXXXXXX XXXX XXXX  it was reported again that I had dropped below the requirements and I needed deferments even though I was still in school and shouldnt have been charged. My classes were then messed up which pushed my graduation date back by XXXX weeks. The school said they would pay for a few classes and no financial aid was needed past those classes because it was covered through my loans.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (FL)

I was charged a secondary incidental fee one day before checking out ( XXXX XXXX XXXX XXXX ). It was unauthorized I never authorized it nor knew of it until after checking out. I've called the hotel multiple times got no help. I spoke to the pathetic manager XXXX XXXX 's multiple times and got lies of callbacks and her fixing the issue. I reached out to my bank to file a dispute three times via email which no representative is helping ( XXXX ( Current ), XXXX ( Current ). At this point the bank if failing to file a dispute on an unauthorized hold that should have been released since XX/XX/year>.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NM)

On XX/XX/year> I was charged {$150.00} and I dont know what for! My bank said it was from a company by the name of XXXX XXXX XXXX XXXX. I have no idea who this is nor did I order anything from them nor receive any correspondence with them! I had told my bank that I ordered a cup I supposedly won on XXXX and all I had to pay was {$1.00} for shipping so I gave my card information and almost immediately my account was charged {$150.00} and my bank ; Sofi even flagged my account for fraud before I was able to! I called them right away and they informed me it was frozen do to suspected fraud they would send me out a new card right away and that I could dispute the case in about 2 days was it cleared my account. I filed the dispute and even an appeal and lost both according to them because I had no documents to back up my story but I explained to them I had no idea who they were!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

Feedback on Communication Issues Dear Destiny Card Customer Service, I hope this message finds you well. I am writing to express my concerns regarding the communication I have experienced with your team recently. I used that Destiny credit card one time, and I paid it off. After I paid that credit card off a few days later I called your customer service department and requested to close my account. The representative stated XXXX XXXX the account is closed. Also I never received a confirmation number over the phone, or an email stating that my account was closed. 

As a customer, clear and timely communication is crucial when it comes to managing my account and addressing any issues I may have. Unfortunately, I have encountered several instances where responses to my questions were delayed or unclear, leaving me feeling frustrated and uncertain about my account status and available options. 

I believe that improving communication processes could greatly enhance customer satisfaction and trust. I kindly request that you review your communication practices to ensure that customers receive prompt and accurate information. Also I showed up today at court XX/XX/year> at XXXX. And the case was continued until XX/XX/XXXX. Also I did not give your company written consent to sell any of my information. violation. ( B ) 1 OPT-OUT 15 U.S. code 6802- Obligations with respect to disclosures of personal information.

A financial institution may not disclose nonpublic personal information to a non affiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

I first contacted chime in XX/XX/year> to close my account- they then have been stalling and transferring me from department to department with the same excuses how they needed a specialized team to look into it and someone would reach out via email. Over 60 days later, they still have not sent me my closure check. I have been transferred to at least 25 staff, been on hold at least 50-60 times and been given every excuse under the sun why they are looking into it. Each representative uses the same buzz words about putting me on hold for one to three minutes - this company needs to be banned from doing business in America.,
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (CA)

my vehicle was stolen in XXXX of XXXX my insyrance company did XXXX XXXXhat lasted 6 months during this time ( XXXX of XXXX my finance co did a charge off ) the finace company sent me an email that stated if i were to send them 10 percent of the remaining balance they wud close the account.. i called and spoke with a representative and was told {$3300.00} wud close the account. i also was told if the insurance company sent them a check they would take the XXXX and send the balance to me. i then called the insurance company they sent papers for me to sign. then sent the finance company a chck for XXXX now the finace com pany is denying they said what they said fortunatly i have a copy of the email. isnt his a breech of a verbal contract they say i owe XXXX i have no car no nothing please help this is juyst not right
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: CL Holdings LLC (OH)

Despite my multiple attempts to dispute these items and provide supporting documentation, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. 

I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I asked the call taker why would Capital One still have both of the auto loans, that are paid off reporting on my credit report. I explained that the loan amounts are still being use in my debt to income ratio, and is impacting my credit score and reporting. Call taker stated that I would have to talk to the credit reporting agency, and that the case is close on there end. It is nothing they can do about why its reporting that way.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Violation Reg CC availability of funds of Government check placed on hold longer than 10 business after the checks were clear. I was locked out of my account after the funds cleared which were from my taxes. I am being discriminated against the employee at the location the branch manager XXXX XXXX told me that there is nothing that she could do.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

I had a previous old debt from a credit card that I had defaulted on after a debilitating accident that left me XXXX and unable to work. I went to court when I received the lawsuit information from Madrich Law Group around XXXX. We agreed on a payment plan of {$25.00} a month. I asked to set up the plan on automatic payments. They said they could only set it up for 4 years and I would have to update it once the timeframe was over. The payments came out automatically until XXXX. I contacted them to let them know that I needed to update my banking information and address since I had moved. I confirmed that the payment plan would continue. I was unaware that there was an issue until I received a letter in XXXX saying that I missed payments and went against the agreement. I asked why the payments werent coming out and they said that the notes stated that I called in to discontinue the recurring payments. I said that I would have never done that. All I did was update the billing information. I asked for the recording of the call where I said to cancel payments. They were supposed to have a supervisor review it and contact me. I never heard anything back. I contacted them several times regarding this issue. They would not accept any payments other than the balance in full which I did not have. They dont even have the correct address on file after I updated it. Now I received a judgement letter saying that I refused to pay. This is all untrue. Ive been trying to work with them for years.