davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: Global Lending Services LLC (FL)

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this global lending service ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XXXX XXXX  rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Consumer complaint received 2024-07-06
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. (TN)

In Accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
Account-XXXX XXXX XXXX XXXX XXXX. Account- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account- XXXX XXXX, AccountXXXX XXXX XXXX  XXXX Inquires= XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXviolated my rights. 

When I requested my credit report from Experian on XXXX I notice somethings were incomplete and not accurate, and according to the fair credit reporting act. whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in general, after any reinvestigation under paragraph ( 1 ) of any info disputed.by a consumer, an item of information from the file 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 my file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 accurate.
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc. (CA)

On XX/XX/year> I walked in to Tesla Motors ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and told the salesman that I would like to lease the XXXXXXXX XXXX XXXX we have reviewed and I would like to lease it under my company, for me to allow people to drive as i desired. 

The person I had with me, was my mother who would be the main driver of the vehicle. I told the sales person it would be like me handing an employee a " key '' for the car as needed. 

Sales person ends up charging me ( the business ) for the the due cost but gives full 100 % physical control to the car, to my employee ( mother ). 

I came back to XXXX when I haven't received any communications about my purchase and they informed me that the sales person, XXXX messed up by not making me ( the business ) the primary and should of been the sole leasee of the car. They don't know what to do next, but as it stands, I have no control or possession of the vehicle even though they charged me and registered the car to me. The only person in the XXXX network, with access to car is my mother. 

I am making lease payments for a car i cant even get into and XXXX just recommends we share her password. The vehicle is CA XXXX registered to me but XXXX says it can not give me access to the car. 

I don't know what to do. This has affected my situation with XXXXXXXX XXXX ( the XXXX bank ) as I've stated to them that I don't have possession of the car they want to charge me for and I would like to square ownership first before payments begin.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PA)

I purchased an XXXX XXXX for my wife online at Best Buy on XX/XX/XXXX. I went to pick up the XXXX on XX/XX/XXXX at my local store. As part of the transaction, I traded in my wife 's old XXXX for {$230.00}. I delivered it to the store and it was accepted by the Best Buy staff after following specific instructions provided by Best Buy prior to exchanging the phone. 

The Purchase amount ( without the credit ) was {$1100.00}. The Purchase was made with my Best Buy Credit Card provided by Citi. I received my recent statement from Citi on XX/XX/XXXX charging me the full amount of {$1100.00} without the {$230.00} credit. 

I attempted to contact Best Buy Customer service and they advised that it will take up to 30 days to process my credit for redeeming my phone. I stated to the agent that my receipt very clearly states. " Once your trade-in is complete, it may take up to 7 days for your refund to be reflected on your payment method. '' When I quoted this back to the agent, he immediately hung up the phone. 

I want my {$230.00} credit applied to my Citi card. If it isn't credited promptly, I can only conclude that Citi is acting as a facilitator to Unfair, Deceptive, and Abusive Acts and practices. I followed direction provided by Best Buy and provided them with my item. I have receipt of this. Citi can't try to get out of this by putting the blame on Best Buy. If they attempt to, they open themselves up to larger problems.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Employers : XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I was notified by XXXX XXXX that my XXXX XXXX ( provided by TransUnion ) had decreased. This was surprising to me because I am unaware of any account changes, delinquent payments, etc., that would impact my XXXX XXXX. Upon logging into to my XXXX account to view my XXXX XXXX, it showed a drop of XXXX points from XXXX to XXXX. 

Today, XX/XX/2022, I attempted to contact TransUnion to identify the source of the credit score change. After speaking with three different representatives, they were unable to explain or identify any reason for this change, and they recommended I contact the CFPB for further information. 

How can this company significantly change my credit score, impacting my creditworthiness, without having any identifiable reason to do so?
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Equifax credit report. The accounts in question are : Account Name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed.

This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation.

If my request is not fulfilled within 30 to 45 days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

In Early XXXX  your Company Help me get A collection off my Credit Report that XXXX XXXX XXXX XXXX  on my Report!! Once again XXXXXXXX XXXX XXXX places a collection on my Report!!! On XX/XX/XXXXXXXX XXXX XXXX XXXX!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX  for something to be sent to me because I still have XXXX XXXX XXXX  Now!!! But they never emailed or mailed me anything please help me!!!
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with Experian and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called XXXX XXXX XXXX XXXX. I disputed it twice with Experian and it remains. I uploaded prove that it should be deleted once again and Experian and XXXX XXXX have not giving me anything proving this debt is mine to be paid.
Consumer complaint received 2024-09-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am not aware nor do I know of anything about this debt. I have no knowledge. All I know is I do not owe XXXX anything As I do not have an account with them. 

Original creditor : XXXX XXXX  ( XX/XX/year> ) Account # : XXXX Amount : {$740.00} Debt Collector : IC SYSTEMS Address XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-09-23
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. (NY)

My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (VA)

There existed a consumer transaction between me and the original creditor for service and goods. Upon XXXX out that fraud was involved and that full disclosure was not given to me, a letter was sent to the original creditor. After not receiving proper explanation for the fraud and non- disclosure of the terms of the consumer contract a tender of payment was sent to the original creditor according to XXXX XXXXXXXX for the complete amount of the debt with a conspicuous statement stating what to expect upon redeeming the tender of payment. This offer was not dishonored, but instead redeemed for the full complete amount. After this the original creditor decided to sell the debt to a 3rd party debt collector non- affiliated entity named MIDLAND CREDIT MANAGEMENT , INC. After this I started receiving threatening/ harassing letters in the mail from this 3rd party Non - Affiliated legal fiction. I sent a debt validation to them asking for them to provide contract binding me to any sort of obligation with an affidavit included. This request was ignored and the affidavit was unrebutted and only sent documents that did not bind me into a contract with them. After this they decided to go get a warrant in debt further committing identity theft and hired a law firm for a debt that I have no contract binding us together and now is threatening my personal property with garnishment. All applicable laws are attached.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (WY)

I have had my credit frozen for years. I unlock if I need to apply for credit. I was able to check XXXX just fine and my report is still frozen. I have tried managing and viewing my freeze with both XXXX and Equifax and once I'm in my account, it says to call. I can not run a report to see if someone applied for credit in my name or if either company accidently unfroze my reports. I have called and am unable to get through.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I believe there is something fraudulent occurring with my loans. I have been paying more than minimum payments on my XXXX {$5000.00} loans for 6 years and my principal has only decreased by {$900.00} for each loan. This can not possibly be correct. I have never been late and have not had any other fees assessed. When I asked they said that I would have to contact someone else and then I was disconnected prior to transfer.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (PR)

This debt collection company contacts me, calls, and sends collection letters for a credit card debt that is not mine. I asked for evidence about the account and as of today, I have not received the evidence or the validity of the account. 
accounts are credit card XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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 this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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.