davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (ID)

On XX/XX/XXXX, I placed an order online with XXXX via XXXX for a XXXX XXXX XXXX, which cost {$210.00} with tax. The bed was scheduled for delivery on XX/XX/XXXX, but it had not been shipped by this date. I spoke with a XXXX customer service via chat on their website on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ). XXXX was unable to provide a shipping date. I requested cancelling the purchase since I wouldn't have ordered it in the first place if it was going to be so delayed in arriving. XXXX stated that they couldn't cancel the purchase because it would be shipping soon. XXXX business days later, it hadn't shipped, and XXXX was unable to provide a shipping or delivery date estimate. I requested a refund by filing a claim through XXXX on XX/XX/XXXX. XXXX refunded {$210.00} to my account on XX/XX/XXXX. XXXX stated the case was closed in my favor. 

Fast forward to XX/XX/XXXX, I received a letter from CEDARS Business Services that XXXX sent my case to them for debt collection. XXXX claims that the bed was delivered on XX/XX/XXXX. However, as of XX/XX/XXXX, the online order did not shop a shipping or delivery date and I never received the bed. That's why I filed a claim for a refund with XXXX. 

I submitted an appeal to XXXX on XX/XX/XXXX. They claim that XXXX traditionally provides refunds in good faith but that the bed was delivered based on their internal investigation. However, they can't provide a picture or signature to prove that it was delivered to my home.
Consumer complaint received 2023-09-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliable Credit Association, Inc. (WA)

I sent a post office letter to reliable credit association Asking to prove the debt they say I owe Them. Recently I have gotten nothing in the mail yet calls emails and text plus my car being subject to impound since the XX/XX/XXXX notice was sent. I wrote them back ... Quote Your are breaking the Law Sent you a certificated letter Validation proof Under the Law until the information I request is Sent by to me in Letter Form this is Concerned Harassment I have paid last month out of Honor. 
XX/XX/XXXX of this year 2023 I have not received nor gotten a response from you concerning the Validation process Obligating me to this financial agreement. of contract Again this letter .Today being sent asking for currency payments is not good business practice nor professional ..by Law 15 USC 1892g.n to me Has broken laws pertaining to this agreement. TODAY I sent this email to Them and made clear I would send you Proof
Consumer complaint received 2024-08-03
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: EQUIFAX, INC. (AL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to complain about the fact that I have contacted XXXX, XXXX and Experian Credit Bureau on several occasion about improper reporting of information in my credit report, but the problems continue. There are multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations under the following sections of the FCRA : 15 USC 1681b, 15 USC 1681, 15 USC 1681a ( 4 ), 15 USC 1681n, 15 USC 1681e ( b ), and 15 USC 1692g.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX 

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 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 7 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 2024-08-02
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. (TX)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (CA)

My Experian credit file shows an unpaid collection account from " Radius Global Solutions '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

Radius Global requested this entire Trade Line be deleted from both XXXX  and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to XXXX/XXXX with the understanding the account owner XXXX / XXXX would not list it as a collection and it hasn't been ; before that happened Radius Global ceased having account in its portfolio because it went back to XXXX and they requested TD deletion in XX/XX/2019. 

The Radius Global trade line was DELETED XXXX XXXX however XXXX  continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with XXXX ( XXXX Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX/XXXX directly along with correspondence from XXXX. In the dispute report I also stated Radius Global is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from COX. I contacted Radius Global today after the Experian results came in and XXXX XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.
Consumer complaint received 2024-08-31
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. (AZ)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX with a balance of {$20000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 US 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 2020-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/20 I received a letter via US Mail from Chase Bank telling me that on XX/XX/20 they have closed all of my long time accounts with them. The letter does not list a reason. I called their Compliance Unit at the phone number given and was told that they will not tell me the reason that my accounts were closed. I had two checking accounts, one savings account and one Trust account with Chase Bank and all have very high balances. No bad checks and no outstanding fees. Total balance in all accounts is {$970000.00}. I have been with Chase years since when my accounts were carried over from WaMu. All of my life savings are tied up at Chase. Including my SSI direct deposit. This situation has created a hardship for me. I was thinking about moving my money to XXXX XXXX but after doing some research I find that CFPB is investigating them for doing the same exact thing that Chase is doing to me.
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (FL)

In XXXX Navy Federal Credit Union repoed my vehicle. I was past due on the loan. Unfortunately, I took the loan for my Mom who defaulted and it was a hard lesson learned having it on my credit. 
They sold it at auction and my remaining balance is a little more than XXXX. For a while I was able to pay on it but I fell on hard times after and wasnt able to pay. After a few years it fell off my credit report and it hasnt affected me. 
Recently, I looked into re- establishing my membership there. My now fianc is in the navy and it makes things much easier to have an account there. I applied, and I got a response about my name being different than what they had on file. I explained I was once married however I was divorced but I NEVER legally changed my name. They explained I could complete a form to show my name was never XXXX and to show my divorce papers, and government issues ID and I could re establish my membership. 
I went into the bank to have a temporary check printed and Im told they are closing my account. The representative said the account is being closed because of a repossession you had with us. I explained it was back in XXXX and its now XXXX, Its 13 years old! 
They are wanting me to pay this loan after they have written it off, received a tax write off from the IRS! 
Now FDCPA. Law in Florida is 5 years and federal is 7 and we are at 13. 
They can not legally collect on this debt any longer. They are trying to do so!
Consumer complaint received 2023-06-26
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I have been trying to contact all XXXX  credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2024-08-02
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. (MD)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OR)

I am going through a divorce and need my name removed from the mortgage. US Bank is supposed to send assumption forms for my XXXX to fill out and prove he can assume the loan. I requested these forms XXXX months ago. They said they were being mailed and I should receive in 10 days. Never got them. Called and was told they would email them. Never received them. Called a third time demanding a supervisor. Got a supervisor and shared how I have been waiting over a month for assumption forms. Supervisor said nothing he could do but he would email them and mail them out with guarantee I would get XX/XX/XXXX. Nothing came. I have no way of getting my name off the loan as they are not fullfilling my request and holding up my ability to buy a home :
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-01-08
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: General Motors Financial Company, Inc. (TX)

I had an auto loan with GM Financial, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, GM Financial or XXXX continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with XXXX, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called GM Financial five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to XXXX. All disputes have been closed with both companies and the information remains incorrect.