davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2023-07-19
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. (FL)

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ). 

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms. 

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers.
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Dept of education sent me a letter in XX/XX/year> stating that due to the XXXX XXXX lawsuit my loans would be discharged its been almost XXXX years and XXXX still waiting. Most of these Ive paid and I was told I would get a check still waiting. I have called the department of education every XXXX months and keep getting the run around they keep extending the timeline and refuse to provide me any information
Consumer complaint received 2024-10-01
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: Self Financial Inc. (PA)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 U.S.C. 1681. 

XXXX XXXX XXXX : account # XXXX, reported balance of {$25000.00}, XXXX XXXX XXXX : account # unknown, reported balance of {$2000.00}, XXXX XXXX XXXX : account # XXXX, reported balance of {$1000.00}, all have 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 an 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 2023-03-15
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-09-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear [ Name of credit reporting company : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : CAINE WEINER COMPA Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : [ Insert the name of the company, such as the bank, that provided the information to the credit reporting company. ] Type of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine.

I dont recognize the accounts in question.

The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Other [ Describe what is wrong with the report and include copies of any additional supporting documentation that you have. ] Dispute 2 [ Continue numbering for each disputed item on your report and include the same information. ] [ Include the following sentence if you are including a copy of your credit report or other supporting documentation. I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 
Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (AL)

I am filing this complaint regarding the involuntary repossession of my vehicle by Santander Consumer USA in XXXX of XXXX. I believe that the repossession and subsequent sale of the vehicle were conducted in violation of Alabama law pursuant to Code of Alabama 7-9A-611 and the federal Fair Debt Collection Practices Act pursuant to 15 U.S. Code 1692e and 15 U.S. Code 1692f, as I did not receive any of the required notices before or after the repossession. Specifically : 1. I did not receive any communication outlining my right to redeem the vehicle by paying off the balance before it was sold.

2. I was not notified of the intent to sell, nor the date and location of the sale of my vehicle.

3. I was not notified when my vehicle was sold, nor provided with any documentation regarding the sale price or any deficiency balance.

After the vehicle was sold, Santander Consumer USA did not provide any notices regarding a deficiency balance. I found out about the alleged deficiency balance of {$5900.00} after Santander Consumer USA reported it to the three major credit bureaus. Given that I was not informed about my rights or given the opportunity to redeem my vehicle, I believe that the creditor failed to follow the proper legal procedure. This lack of notice has not only caused significant financial distress but has also damaged my credit score due to the repossession tradeline that was reported to credit bureaus.
Consumer complaint received 2024-07-08
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. (MI)

There are multiple mistakes on my credit report that I would like you to investigate and remove as soon as possible. 

XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX {$24000.00} XXXX XXXX {$7500.00} XXXX XXXX {$7100.00} The four cards above I used to be an authorized user on. But hold no responsibility to pay these cards. I have already notified the bank and they have agreed to remove me as an authorized user. I just need the credit reporting agencies to also remove me, I am not a authorize user on any of these cards anymore, please remove them as soon as possible XXXX XXXX {$5800.00} XXXX XXXX {$4300.00} XXXX XXXX {$4900.00} XXXX XXXX. XXXX {$1200.00} All four of these accounts were open fraudulently. I've reported them to the banks, but they choose not to do anything. At this point, they have charged off the accounts which I have to claim with the XXXX as income. And if you check with your legal department, you'll know that it's against federal law to list income on my credit report, feel free to check with the banks. All four of the cards have been written off which I then claimed does income on my federal taxes. Please remove the as soon as possible. If you're uncertain again, I would ask that you forward this onto your legal department. 

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 XXXXXX/XX/XXXX The inquiries above were all done fraudulently I have contacted each bank and they all confirmed that the information was slightly different and that the inquiry was fraudulent and they've removed it from their records, but they say it's up to the reporting agencies to do the same thing. So I don't know exactly what you need to do, but feel free to contact these banks. They will confirm that these were fraudulent inquiries, and I would like them all to be removed as quickly as possible, thank you I only have two names XXXX XXXX XXXX XXXX XXXX All other names are fraudulent and are not me. Please remove them.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TomoCredit Inc. (NY)

I created an Account with Tomo Credit and used their credit card, the card must be paid immediately after purchase and it is advertised to help build credit score. Suddenly they closed my credit card account and I had a negative Balance of {$440.00}. I began to contact them but was unable to do so on their website, I emailed them multiple times and called. The contact option they had listed was email and thats it. shortly after I am unable to access my online account and no access to my overpayment of the card. I am trying to get my money back.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX
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: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I suspected fraudulent practice with Hotelbookings.com ( expedia ). I called Citibank within XXXX minutes, I followed their advice, subsequently I was billed for a transaction where no services or product was exchanged. Citibank reversed it's decision and favored the merchant. 
This a copy of my last letter to Citibank XX/XX/year> Dispute claim : D XXXX Hotelbookings claim of no valid cancellation, their was no reservation to be canceled.. 
When I suspected a fraudulent practice, I called Citibank card services and explained my concern. Citibank informed me that no transaction went to the XXXX XXXX and that I should make my own reservation. 
I verified by calling the resort myself and was told no reservation were made. 
{ can be verified by calling the XXXX @ XXXX I spoke to XXXX and XXXX } Now Citibank is reversing their decision and I am being penalized for following Citibanks advice, I would hope I do not have to contact the bureau of consumer financial protection. 
* Remember no services or goods were rendered by the merchant * The alleged transaction was with a unauthorized person * Hotel bookings claimed that their was no way to correct the dates * no e-mail was ever sent to my address ( XXXX )
Consumer complaint received 2024-09-30
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company (LA)

I was told that debt settlement would take up to XXXX XXXX for my XXXX creditors. We are now at a XXXX mark since I started this credit settlement agreement and they have only settled XXXX of the XXXX creditors. I am now being asked for additional funds to settle the XXXX in a timely manner. They have continued to draw money from my account with the majority going to XXXX party fees and now are telling me that it will take significantly longer to settle the XXXX creditor. They have lied to me over and over again and are pocketing my money without having delivered what we agreed to.
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (GA)

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.
Consumer complaint received 2024-09-30
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (NC)

Tomocredit On XX/XX/year> Requests were made to tomocredit help email to stop charging credit card and cancel accidental subscription from XX/XX/year>. It was ignored. After making a complaint with cfpb, tomocredit said they will stop removing money from my account immediately. 
Yet in XXXX and again in XXXX subscription fees were being charged to my account. 
Inclusive after multiple efforts to communicate with them when unanswered.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SBNASELFLNDR- 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 SELFINCLEAD-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
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (MI)

BRITE FINANCIAL SERVICES is reporting an incorrect Autolease onto my credit report that is showing an inaccurate balance amount without my approval. The balance has been satisfied in XX/XX/year> but was not updated on mt report. This issue is really hindering my report, and I will like for it to be removed.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (ME)

I activated a gift card from BMO bank that was in the amount of {$250.00}, to learn that there was {$2.00} ramaining on the card. When I checked the transaction history I learned that there were monthly " check fees '' of {$300.00} and quarterly fees of {$17.00} on a card that had not been activated and has an expiration date of XX/XX/year>. 

/when I spoke to customer service rep XXXX XXXX we were on the line for XXXX minutes and he asked to put me on hold, urged me to hold, and then disconnected me to the main menu, to start the process all over. Second customer service rep, XXXX XXXX was able to confirm after several holds and XXXX minutes these were fees the BMO charged if the card wasn't activated within 6 months. How is it possible this type of consumer fraud is legal?
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunshine credit services has re inserted a debt that is not mine. I have disputed this with them since XXXX of 2024 it was deleted from my credit reports all three bureaus & now they have violated my rights by the law FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY by failing to notify me within XXXX business days of reinserting this account SUNSHINE CREDIT SERVICE must cease and desist all attempts to contact me further by phone by email by voicemail and remove this account from all three credit bureaus effectively today XXXX XXXX