davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (WI)

I am writing to formally lodge a complaint regarding a loan that was established in my name without my authorization. On XX/XX/XXXX, I received an alert notifying me that a loan had been funded by your company under my identity. I had neither applied for nor approved this loan, and I believe this constitutes fraudulent activity. 

Upon discovering this unauthorized transaction, I immediately returned the loan amount to your company. Despite my repeated attempts to resolve this issue, including contacting your representatives daily, I have yet to receive a refund for the fees associated with this loan. Your refusal to return the fees is not only unjust but also highly concerning, given the circumstances surrounding this fraudulent transaction. 

I demand the following actions be taken immediately : Refund of all fees associated with the loan. 
Written confirmation that the loan has been fully closed and no debt remains in my name. 
A formal investigation into how this unauthorized loan was processed under my identity. 
Removal of any record of this loan from my credit report.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

My first letter was sent XX/XX/year>. 

Despite providing Transworld Systems Inc. with over 90 days to fulfill my requests for proper debt validation, I have yet to receive the following essential documents : Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
A complete payment history, detailing all payments made and any credits applied to the account. 
A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Instead, I have repeatedly received the same bill statement, which does not address the required details. This is insufficient and does not fulfill your obligations under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX  According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (CA)

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

On multiple occasions, beginning on or around XXXX, XXXX, Firstmark Services has approved at least two ( 2 ) Natural Disaster forbearance based on my areas of employment and/or residence, only to arbitrarily remove said forbearances after several days each time ( AFTER WRITTEN APPROVAL NOTICE ), citing " representatives error ''. Most recently, a forbearance placed on XX/XX/XXXX was removed arbitrarily for the same cited reason -- even after providing FirstMark with all requested documentation to support my forbearance -- including but not limited to : I. Driver 's ID ( reflecting my XXXXXXXX XXXX XXXX XXXX county zip code ) II. Current, XXXX XXXXXXXX license and explanation that I am employed by XXXX XXXX as a travel private duty XXXX  in and around XXXX XXXX, XXXX, XXXX & other surrounding counties -- dependent upon my current XXXX assignment, which may range anywhere from 3 - 16 weeks. 
III. Detailed narrative of any and all events noted in requesting said Natural Disaster forbearance ( s ). 

It is grossly appalling that Firstmark Services would not do its due diligence, and approve these forbearance requests IN WRITING, only then reneging on said approvals days later -- causing my accounts to become past due. This company must be investigated urgently by a CFPB Enforcement Investigator, and they must honor these forbearance urgently as promised to myself, the borrower. 

Most recently, I have requested a Natural Disaster forbearance for the FEMA declared XXXX XXXX XXXX -- affecting XXXX XXXX XXXX ( employment / homes & areas of employer ( s ) and patients ) ) and my residence area -- I continue to await this approval and contact from Firstmark Service 's senior management to confirm this placement of said forbearance.

This matter remains extremely urgent and unresolved, and I continue to request urgent assistance in resolving this issue with the immediate placement of said forbearance as requested herein, to yield full resolution to this profoundly arduous and distressing matter with my loans serviced by Firstmark Services.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditor Name : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX MN XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details ofthe account are as follows : Account Number : XXXX Date of Charge-Off XXXX XXXX Amount Charged Off : {$1800.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I leased a car through Credit Acceptance Corp in XXXX, I lost my partner and totaled my car less than a month after purchasing it. My loan was paid off in majority after the wreck through my insurance. Instead of credit acceptance closing the account with the remaining balance. They have chose to leave it open as it continues to accrue interest causing the balance to get higher upon inquiry on settling the account. The company has went up on the settlement balance. Manager XXXX and Supervisor XXXX failed to address this situation and handle it with the proper care, instead I got met with a hostile attitude and unwillingness to assist given the circumstances so much so that they refused to provide basic customer information.
Consumer complaint received 2024-10-08
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: GOLDMAN SACHS BANK USA (AL)

Complaint : I previously submitted a complaint regarding the non-reporting of my Apple Card account by Goldman Sachs to the credit bureaus ( XXXX, XXXX, and XXXX ). My name is XXXX XXXX XXXX, and my email is XXXX. 

On XX/XX/year>, I contacted Apple Card support regarding the incorrect reporting of my account. The investigation determined that my Apple Card account had not been reported correctly, and I was assured that this would be rectified. On XX/XX/year>, I was informed that the necessary updates were sent to the credit bureaus, with a timeframe of 30 days for the changes to reflect on my credit report. Despite this, as of today, the issue remains unresolved. I need to know if this notice was sent already and what was sent. 

Additionally, I recently spoke with a supervisor, XXXX XXXX, who evaded my questions regarding this issue and abruptly closed the chat without providing a resolution. I am seeking your assistance in resolving this matter as soon as possible, as it is negatively affecting my credit profile and financial standing. 

Account Information : Name : XXXX XXXX XXXX Email : XXXX Financial Institution : Goldman Sachs Bank USA ( Apple Card ) Complaint Reference : Ongoing reporting issue since XX/XX/year>. 
I kindly request that the CFPB intervene and ensure that Goldman Sachs fulfills their obligation to accurately report my Apple Card account to the credit bureaus. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-26
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. (IL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 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 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. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (MI)

Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is currently in collections. The account in question belongs to XXXX XXXX XXXX and has an outstanding balance of {$670.00}. I believe that this account has been inaccurately reported to the credit bureaus and should not be reflected on my credit report. 

Firstly, I have reviewed my records and found that I do not owe any outstanding balance to [ name of creditor ]. I have never received any communication from them regarding this account, nor have I ever made any payments toward it. Therefore, I believe that this account has been mistakenly assigned to me or that there has been some other error. 

Secondly, I have not been contacted by the creditor or any collection agency regarding this account. I was not aware of its existence until I checked my credit report. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately due to the inaccuracies in reporting. The presence of this account is negatively impacting my credit score, and I believe that it is unjustified. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs USA administers the GM Rewards Card and offers a 7 % points benefits for services at GM dealers. On XX/XX/year>, I went to XXXX XXXX and spent {$140.00} which generated XXXX points which is short by 3 %. I called Goldman and they couldn't figure it out. Their agent pushed me to GM Rewards who tried to manually add them plus goodwill points but could not. Therefore the card is not working as advertised.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

There's a couple of issues with this company and they continue to violate my consumer rights an illegally trying to collect on a debt that is past the statute of limitation for New York and I do not own. 

This company has inappropriately and repeatedly attempted to illegally collect on a debt I do not own. I requested VALIDATION of this debt twice on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and it was ignored by this company. 

Which my consumer rights were ignored and violated because according to law Debt collectors are prohibited from collecting on a debt unless and until verification is provided to the consumer within 45 days of receiving the consumers dispute. If the debt collector is unable to provide timely verification, it must give the consumer a Notice of Unverified Debt that complies with Rule 5-77 ( f ) ( 8 ). 

I never signed a contract with Transworld Systems Inc. and this company has failed to provide me a contract with my signature from the original creditor that you claim this debt is from. A bill from XXXX is not proof of a signed contract to validate this debt. 

The company failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers contract that show I agreed to pay what you say I owe : with my signature. 

Under Rule 5-77 ( f ) ( 12 ), debt collectors must provide an additional breakdown if the consumer challenges or questions the accuracy of any of the line items included in the initial itemization. 


The Consumer Credit Fairness Act of 2021 statute of limitations for consumer debt collection in NY from is three years. Not only is the debt not mine its past the limitation. 

This debt collectors used unfair and abusive tactics to improperly collect a debt from me.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions LLC is a third party debt collector and claim that I owe them {$2200.00} this is in fact inaccurate because Radius Global Solutions LLC are a third party and not the original creditor and due to that it is inaccurate. I would like Radius Global Solutions LLC to stop reporting on my credit report I want to dispute this matter and remove them from reporting on my credit report.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-26
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.