davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Name : XXXX XXXX XXXX ID XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX  XXXX XXXX KY XXXX Chex Systems , Inc . 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX a m writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 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. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 15 U.S.C 1681 Section 604 ASection 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 thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 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.

Ihave NEVER opened or used the following account numbers, please remove all information below : XXXX XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX XXXX Account # Unknown Routing # Unknown XXXX XXXX XXXX ; XXXX XXXX XXXX, Reported For : OVERDRAFTS ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/XXXX RT/ACCT # XXXX / XXXX Original Charge Of Amount : {$120.00} Closure Status : UNPAID don't recognize the following accounts in question. I'm a victim of identity theft and Ido n't recognize these accounts on my report. I'm requesting the following information be deleted
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I filed a complaint with your organization. XXXX XXXX responded by stating they were putting my loan in forbearance for 48 months, that was 2 months ago. I recieved a notice stating my payment was due ( the full amount plus interest ) starting again XX/XX/XXXX. They did not follow through on the statement they sent you and I. I Also sent in XXXX paperwork and they have yet to respond. That was over a month ago. I have XXXX XXXX XXXXXXXX XXXX. Im unable to work and my savings is depleted. Social security has denied me twice, Im on third appeal with no end in sight. Im out of options.
Consumer complaint received 2024-07-31
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: Monterey Financial Services LLC (UT)

Monterey Financial says I purchased some type of scope. Owe them {$5000.00} and am now 60-90 days late. This is not my purchase. I told them that, this is fraud, but they kept calling me and friends and texting also. Plus it is pulling my credit ratings down.
Consumer complaint received 2024-07-31
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I asked the company to validate debt they reported on my Chexsystems report. They chose not send any information or to send any verification whatsoever. And when I called for information they did not provide me with any.
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: FIRST CITIZENS BANCSHARES, INC. (OR)

I have had a floating interest rate for many years, since XXXX. The loan has been transferred several times from company to company, this last time, going from XXXX  to First Citizen Bank. The interest rates have gone up, and I understand this is normal to adjust the rate based on the Prime Rate, that usually goes up or down around XXXX XXXX at a time. The Prime Rate has not changed in a long time. But now First Citizen Bank out of nowhere raised my floating interest rate from XXXX XXXX to XXXX XXXX  without any changes having occurred to the Prime Rate. When I discussed this matter with First Citizen Bank they told me, that they can raise it all the way up to XXXX XXXX  without any cause. That somehow they can raise my interest rate to that high without my consent. They have no sent me a bill for XXXX that includes for them, a XXXX XXXX rate up from the XXXX XXXX I was paying up to XX/XX/XXXX. They gave no prior warning that the rate will be increased per their internal policy. I never agreed to any such rates when I purchased the original loan agreement. And since the Prime Rate hasn't gone up, First Citizen Bank shouldn't be able to charge me higher rates to finance their own debt, that has nothing to do with my loan or the Prime Rate of Interest associated with my loan.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with XXXX XXXX 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. 


( CREDITOR NAME ) 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 2024-09-10
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 XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Delray Capital, LLC (MN)

I have a very old debt from XXXX XXXX XXXX. The total balance is {$1700.00}. The original amount of the payday loan was {$800.00}, but they added fees. The debt is from roughly XXXX or maybe XXXX. It could be from as far back as XXXX. The debt was sold to XXXX XXXX XXXX. When I called them recently, they told me the debt is now with Delray Capital LLC. I tried to call the phone number I was given for Delray Capital, but it was given an automatic recording that the number or phone I had dialed was incorrect. 

Today, I received a voicemail from a woman using a local phone number : XXXX, telling me that a complaint had been filed against me in my district court, and they were trying to reach me to serve me with papers, so they needed my address. When I called the number back, I spoke with someone named XXXX XXXX and he stated he was calling with XXXX XXXX XXXX. He told me that a lawsuit was being initiated against me for financial fraud. I asked him what this was regarding, and he told me it was regarding my {$1700.00} balance with XXXX XXXX XXXX. He attempted to get me to pay the balance, saying if I waited, I would have to pay legal fees. I told him I would call him back. He gave me a phone number to reach him : XXXX. 

I am an XXXX myself, a recent XXXX XXXX XXXX, so I knew something was up. After doing some research, it appears that Delray Capital and XXXX XXXX XXXX have been the subject of a recent lawsuit for violating practically every provision of the Fair Debt Collections Practices Act. I am convinced that this same company was behind the call I received today.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

XXXX5 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. CAPITAL ONE # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2023-08-09
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. (GA)

Hi, I hope your day is going well, but I need your help. I noticed inaccurates with my credit report. its really hurting my well being and ability to move forward in life, after some research i came across this informattion from CFPB. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximumpossible accuracy of the information concerning the individual about whom the report relates. 

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (IL)

I previously submitted several disputes with Experian regarding a XXXX credit being reported on my personal credit profile. After investigations, I received responses indicating that Experian refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these XXXX XXXX  accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, Experian consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these XXXX XXXX, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-04
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: ALLY FINANCIAL INC. (CA)

On XX/XX/2024, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

XX/XX/XXXX of 2021, after leasing the car for 3 months, I was involved in a not-at-fault car accident. I informed the police XXXX that I was leasing the vehicle and the lender and I were both listed on the police report. I was told on the scene by the police XXXX that the car was totaled and needed to be towed from the scene. 
XXXX weeks later, I called the at-fault drivers car insurance to get an update on things and they informed me that they would be going to look at the vehicle, with continued contact with them they still hadn't inspected the vehicle, they informed me they couldn't locate the vehicle. 
Around the XXXX of XXXX I went online to make my car payment, the website instructed me to call the lender instead. Upon calling they informed me that my car had been impounded due to the towing lot informing them of abandonment after 11 days on the lot. The tow lot did not call me, nor did the lending company call me to inquire if I had abandoned the vehicle. Even though, it had been brought in with the car that hit me, there was clear evidence of a car accident, and I was up to date on my payments. The at-fault insurance also looked into the notification of abandonment to the lending company and found no evidence of such notification. I was then told I wouldn't be able to get my car back without paying the impound fee on top of the car payment and that I had 3 days to pay that before it would be officially repossessed. 
I was not notified of the impounding before I called them in attempts to make my payment, even without a vehicle. I was given no other alternatives even though my car shouldn't have been impounded or repossessed in the first place. 
I proceeded to try and work with the insurance company and the body shop. XXXX of 2021, the body shop informed me that they would pay the impounding fee and transfer the bill along to the at-fault drivers insurance so that they could make an accurate account of damage and repair. The lending company then denied the paying of the impounding fee, saying that the car was set to be sold at auction at that point. 
After selling the car at auction, I was notified of owing a deficiency balance of {$3300.00}. They eventually sold my debt to a debt collector, now I am being sued for the remaining balance. Even though my car shouldn't have been repossessed in the first place, they would have still been receiving payments from me had I been able to get my car back.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC (SD)

They never tried to contact me and haven't returned my phone calls or voicemails. I tried reaching out but they never answer. So I don't have an idea on what I owe or how much, just a bad mark on my credit score.

I reviewed the company on XXXX and it seems like this is standard practice for qualia collection services. 

They harass people and just use their business to make people 's lives worse without any good faith from a first contact with a new customer.