davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Peter Roberts & Associates, Inc. (CT)

Date of Correspondence : XX/XX/year> Sender : XXXX XXXX XXXX Recipient : Peter Roberts & Associates , Inc. ( Collection Agency ) Method of Sending : Certified Mail Details of the Matter : On XX/XX/year>, I sent a letter to Peter Roberts & Associates , Inc. requesting validation of my debts as per my rights under the Fair Debt Collection Practices Act. As of today, XX/XX/year>, I have yet to receive any response or validation regarding these debts. 

In addition, I have noticed that the collection agency has reported this debt to the credit agency, which has negatively impacted my credit score. 

I will attach a copy of the certified mail that i sent.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo complaint # XXXX XXXX regarding my construction company account, XXXX XXXX XXXX Checking ending in XXXX & Savings ending in XXXX. I have been banking with Wells Fargo for nearly XXXX decades and currently have XXXX active accounts, multiple business accounts as well as personal accounts. I received a non certified letter last week stating my address was not current on file and my XXXX XXXX XXXX account would be closed. However the letter was addressed to my business and sent to my home address, which is the physical address on file associated with my account. I called and responded to the letter, suspecting it could be fraud since the business address has been the same since the account was opened in 2013 and no phone call, email or certified letter regarding my address was ever brought to my attention. The representative said the address was updated and the account had been set for closure but everything was in good standing and should be fine. Later that afternoon both the checking and savings accounts for my business had {$0.00} balances and the funds in excess of {$75000.00} were nowhere to be found. I immediately went to the branch and spoke to my banker who was shocked this had happened. He spent nearly an hour with me at his desk while he was on the phone with other departments trying to find the funds, why the accounts were closed and explaining the impact on my business. The outcome was appalling, the reason according to Wells Fargo for the account closure was that " the address on file was incorrect '', yet the letter was mailed to my home, all accounts were current, never had been in default and the representative ( XXXX ) on the recorded line told me the account was up to date. The bank would not release the funds to my other accounts and said they would mail a check within 15 business days to an unsecured mailbox, with no tracking information. My banker was shocked and filed the complaint ( # listed above ) on my behalf and agreed that Wells Fargo had committed fraudulent action. This has had a huge impact on my business as well as my clients missing funds, bounced checks, payroll, auto debit, office rents and the list goes on. I would like to pursue action against Wells Fargo for the negligence of business as well as the misappropriate handling of clients funds. Thank you for your help on this matter and please contact me for any documentation or questions. 
Best regards,
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

I reviewed my consumers report and noticed i had 2 late payments on my account that i was never late for. Consumer reporting agencies have assumed the vital roles and have a responsibility to report consumer information to the best of there ability with maximum equity. I have never been late on payments for self financial lending and i demand these negative remarks be removed from my consumers
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/24, I received an email from American Express stating my credit card limit was reduced. So, when I called American Express, they explained it was reduced from {$10000.00} to {$4000.00} because they did a " soft pull '' on my report and my report showed a recent derogatory transaction from another company. My balance on the card is {$3500.00} so by American Express lowering my available balance from $ XXXX to $ XXXX it raised my credit utilization to 90 %. This action lowered my XXXX XXXX tremendously. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k. 
I have privacy rights and there was no disclosures sent to me stating I can Opt Out of these soft pulls on my credit report. ( XXXX XXXX XXXX and XXXX ) You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that i was discriminated against by AMERICAN EXPRESS due to the responses I received. 
AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S. Code XXXX and XXXX XXXX XXXX because I, the consumer, made an application in good faith, but credit was reduced for no apparent reason. 
AMERICAN EXPRESS will criminally and civilly be liable for all actual damages pursuant to 15 U.S Code 1681n and 15 U.S Code 1681o.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am highly concerned about the appearance of this late payment on my account, as I have always made my payments on time. This matter is causing me a great deal of stress, and I respectfully ask that you rectify this error by removing it from my account immediately.
Consumer complaint received 2024-09-28
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  is posted that this account is open and it has been closed and charged off since XX/XX/year>. They are paying late payments and they sold the car after they repossess it XX/XX/year> at XXXX. I want this account deleted bc its reporting inaccurate information. They will be in this lawsuit filed against them for reporting this inaccurate information. I have proof they closed this account and the last payment dates of XX/XX/year> in the amount of XXXX that they sold the car for.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have two credit cards with capital one and last year I called to make a payment arrangement and I was transferred to the XXXX I explained to her that my long-term XXXX money wasn't going to be in my account on time for me to pay it. She advised me that was find as long as I called ahead of time to let them know and she put in a different date for me to make my payment and also told me if anything changed before that to just give them a call back. Well I called back and spoke with another representative and explained to him what was setup for me but I still couldn't make the payment on the date I was given so he said no problem I can change it and I asked him was he sure and he said yes I'm sure XXXX. well I made the payment and they have it listed as a late payment on my credit report and it wasn't XXXX  days past due at all. I have tried Disputing them about it and they refused to remove it as well as charging me extra interest rate fees. I just recently made a payment on one of my capital one credit cards and it didn't show paid until the XXXX of XXXX instead of the XXXX of XXXX because I called and explained to them I was trying to make a payment with my bank card and the bank thought it was a fraudulent transaction and they froze my card the representative that night said it was okay and to call back the next day to have the late fee removed because it wasn't my fault my card was frozen due to fraud and I called back and was told no after he put notes on my account about my situation and told me it would be adjusted.
Consumer complaint received 2024-09-28
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. (PA)

I am filing this complaint because XXXX, XXXX, and TransUnion have refused to remove fraudulent accounts and unauthorized inquiries from my credit report, despite multiple dispute attempts. These violations infringe upon my rights under Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B [ 15 U.S.C. 1681c-2 ], and other consumer protection laws.

The following accounts were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXXXXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX These inquiries were unauthorized : Fraudulent Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These inaccuracies have caused severe damage to my financial standing and mental well-being, including denied credit and housing opportunities. I demand immediate resolution and request that the CFPB investigate these violations and compel the credit bureaus to take corrective action.
Consumer complaint received 2024-09-26
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-28
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 

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 inaccurate.
Consumer complaint received 2024-09-26
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. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (OK)

XXXX collection account for ability recovery services I don't know this company Its a debt owed on my child 's behalf not for my own recognition. I'm not the one who was seen that day my child was. He's got title XXXX XXXX he's XXXX
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoNation Enterprises Incorporated (GU)

XXXX XXXX at about XXXX, i visited XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX XXXX Colorado to purchase a used car ( XXXX XXXX XXXX ) at the sticker price of {$26000.00}. We met with sales representative to discuss the loan amount to be financed and to match our interest rate of 6.1 %. I also explained that I'm on a tight budget and don't want to exceed the monthly amount of {$370.00} a month he quoted prior to seeing the financial manager. The sales person explained that they will match the interest rate and would have to meet with him to discuss and electronically sign the loan documents this was towards the close of business. Not having the time to carefully read the documents we were signing and thinking the warranties were part of the loan and not an addition to the loan approved. I just relocated from the XXXX XXXX and not to familiar with the warranties and felt i was scammed and rushed out. i was a XXXX old male and a XXXX veteran. i explained to the financial manager for the dealership that i made a huge mistake for not reading the documents fully and request for a 100 % refund. the dealership financial manager indicated i would have to call the warranty division to reverse the charges, which i did and they stated the financial manager for dealership would have to make the cancellations. sent emails to the financial manager on XX/XX/XXXX, pertaining to the cancellation of the warranty and explained that he placed me in financial burden and begged to have this additional warranties removed and refunded. he never replied..
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (LA)

I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program. 

Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me. 

I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program. 

Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 number # XXXX, XXXX XXXX XXXX  Account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate