davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (SC)

I have had this loan since 2020. For a loan that was XXXX I have already paid over XXXX if not more. This loan should have been paid. My pay off now is XXXX. This has been stressful considering the amount of money I have already paid. I have gotten behind on other bills and having no food for me or my children. I would like a solution to this ongoing problem. They have even put my car out for repo over being behind for XXXX. This has messed with me mentally, physically and emotionally. My payments were near XXXX a month. They are currently XXXX after I had to do a no money back refinance to get it down. As they didnt tell me that before. This has definitely been a lesson learned, but to be paying on something I know I have paid off a thousand times has been over the top stressful with high rates.
Consumer complaint received 2024-08-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-20
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (LA)

I have not consented to, authorized, nor benefitted from National Credit Systems account appearing on my credit report. National Credit Systems is and have been using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices to ruin my financial reputation. I have sent National Credit Systems a request for debt validation and it was insufficient to my request. Documentation supporting the charges is not the same as a trilateral contract stating that I agreed in writing to pay National Credit Systems anything, as they are not the original creditor. In regard to this, I do not believe my credit report is a true reflection of my credit or my credit worthiness. This National Credit Systems account is currently in litigation with HUD and the Department of Justice since XX/XX/XXXX. I have no problem pursuing litigation against XXXX as well as National Credit Systems for causing credit defamation. XXXX along with National Credit Systems are causing credit defamation by reporting this account because XXXX has failed to perform their due diligence to ensure they are reporting accurate information. Also, if XXXX had performed their research correctly, they would have known that National Credit Systems IS NOT AUTHORIZED IN THE STATE OF LOUISIANA TO COLLECT A DEBT ( YOU WILL SEE PROOF ATTACHED ). National Credit Systems has been active since XXXX but does not have a collection agency license, debt collection agency license, or a collection agency license to collect debt in Louisiana. XXXX and National Credit Systems is in direct violation of furnishing this account without my consent and invading my privacy. National Credit Systems is also in direct violation of a cease and desist order, and this includes all mediums including my credit report. I AM ASSERTING MY RIGHT AS A FEDERALLY PROTECTED CONSUMER AND I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THAT I, THE CONSUMER, MAY HAVE GIVEN YOU WRITTEN, NON WRITTEN, VERBAL, AND NON VERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (IL)

Incorrect Personal Information : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : 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 2024-11-01
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. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-05-16
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: Credit Plus Inc (NC)

I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AR)

The chain of events detailed below shows a series of errors and misinformation, resulting in unnecessary delays and inconvenience. I expect immediate resolution and compensation for this unacceptable treatment. 

On XX/XX/XXXX, I contacted U.S. Bank customer service to close my money market account due to insufficient interest returns. I explicitly instructed the agent to transfer the funds amounting {$220000.00} to my checking account. The agent confirmed that the transfer would take three business days. 

By XX/XX/XXXX, the funds had not reached my account. When I called to inquire, I was informed that, contrary to my explicit instructions, a cashiers check had been issued and mailed to my address. I clarified that this was not what I had requested, nor was it what the agent had communicated to me. Moreover, I informed them that I am out of the country until XXXX and unable to deposit the check. I was assured that a stop payment would be placed on the check and that the funds would be deposited into my checking account within three business days. 

On or about XX/XX/XXXX, after still not seeing the funds, I called again. The representative I spoke with could not locate any notes from my previous call. Nevertheless, I was once again promised that a stop payment would be placed and the funds would be deposited into my checking account within three business days. 

By XX/XX/XXXX, the funds were still not in my account. I contacted customer service yet again and spoke to a manager, who acknowledged that a mistake had been made when the cashiers check was initially issued. She assured me that she would try very hard to resolve the issue promptly and promised to update me via phone or email. I have since received no communication, and as of today, XX/XX/XXXX, the funds remain missing from my account. 

This has now gone beyond a simple inconvenience ; it is a clear case of mismanagement. Despite my repeated attempts to resolve this issue, U.S. Bank has failed to deliver on its promises multiple times, and I have been given conflicting and inaccurate information at every turn.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-11-01
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (MO)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

On multiple occasions  Carrington Mortgage Service ( Carrington MS ) called me and said my mortgage was past due when in fact my mortgage was current. Ive never missed a payment or even been one day late. About a year ago Carrington MS sent me a letter stating that my online payment was rejected and my mortgage was past due and my account had been blocked from making payment online until the issue was resolved. I called Carrington MS and after I told them the payment was deducted  from my bank account on the due date they said the letter must have been a mistake. In  XXXX  o f 2017 Carrington MS started of fering automatic payments. I signed up for automatic payments on  XXXX   XXXX ,  2017 . My fist automatic payment was scheduled to occur on  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,    2017 Carrington MS called m e and said my mortgage was past due. The customer service representative then told me they were having issues with the automatic payment system, but they failed to notify me they were having the problems.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Hello my name is XXXX XXXX, I am a victim of identity theft and there have been multiple accounts in my name unauthorized. I've tried to apply for a bank account and was denied upon receiving the denial letter. I t stated i were in the chexsystem and i needed to contact them. I've tried to multiple times fi x these errors with them. I did not consent or authorize any of these accounts.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have an open credit card with citi that had a revolving balance. I received marketing material to take a loan against the balance at a fixed interest rate and term. I accepted the offer and received the money. 

When I tried to pay the loan balance off early, Citi refused and said that all extra payments had to go to the higher interest rate account first, and only after the higher balance, higher interest rate balance was paid off could I then pay off the lower interest rate account. 

This is not covered in the loan terms and conditions. This loan has its own account number and payment terms. Citi is engaged in a bait and switch tactic by withholding this payment information from consumers during the loan process and in their marketing material. If the loan has its own terms and conditions and its own account number, then I should be able to pay it off early without respect to the balance on the master revolving credit account. 

Had I known I could not pay it off before the higher interest card balance was paid off first I would have never taken the loan against my line of credit. It is forcing me to pay much more in interest on both lines of credit than I would otherwise pay. 

I contacted them multiple times for proof that I agreed to these terms at the time I took a loan against my credit card and all they did was refer me to their website ( which is not proof that I agreed to these terms in a paper mailed offer ). Eventually they said they would provide proof but they never did. There is no proof. I am being swindled.
Consumer complaint received 2017-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On as many as  XXXX  occasions over the past year and as recently as   XXXX   XXXX   XXXX    , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforceable under FL Statut e 516 of the Consumer Finance Act . In   XXXX   XXXX     following the closing of my dispute with TRU as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then reduced the alleged amount owed to zero, but refused to remove the reporting.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repo rts hostage to extor t money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as a simple check of the online Florida  Office of Financial Regulation license  database shows that they do not possess a loan origination or collection license, making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX   Statut e 516 of the Florida Consumer Finance Act clearl y states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, accounts that can not be verified or are otherwise found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.
Consumer complaint received 2024-08-22
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. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.

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