davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (OH)

I am struggling to make payments and no matter what, my balance never seems to go down, even after all the payments I have made. It stays same. I am drowning in the payments and they continue to bother me about the any payment that I took off of XXXX. I financially can not handle the burden of this loan.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timing Issue : The payment was made on time, but it was processed late due to a bank processing delay. I have attached a bank statement showing the payment was made before the due date. 

Miscommunication : The payment was marked as late due to a miscommunication between the creditor and the bank. The creditor has acknowledged this error but has not corrected the report with the credit bureau. Attached is a letter from the creditor acknowledging the error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-25
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. (NJ)

XXXX XXXX XXXX reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX Equifax. 

This account is also still showing as closed under Equifax when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but XXXX did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by XXXX is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking XXXX to please consider removing this late payment from my XXXX XXXX Equifax credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking XXXX to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and Equifax. And correct the account status from closed to open under Equifax. Thank you
Consumer complaint received 2023-03-23
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. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
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: Self Financial Inc. (LA)

I am writing to formally dispute the credit reporting practices of Self Inc. and to report the impact of financial hardship due to XXXX on my ability to maintain one of my accounts in good standing.

Details of the Dispute : 1. Account Ownership : I opened one account with Self Inc. and initially maintained it in good standing. However, due to financial hardship caused by the XXXX pandemic, I was unable to continue making timely payments on this account. 
XXXX. XXXX Financial Hardship : The pandemic severely affected my financial situation, leading to missed payments on this account. Despite my efforts to communicate with Self Inc. regarding my situation, the account has been reported negatively on my credit report. 
3. Unauthorized Account : with balance of XXXX thats was open around XXXX of XXXX In addition to the account I opened, I have discovered that a second account has been reported under my name by Self Inc., which I did not authorize, open, or have any knowledge of. This is a potential case of fraud.

Ive only open one account which is a credit builder that I open in XXXX of XXXX this is the only account Ive open with self. 

Impact on Credit : The negative reporting of the first account, combined with the unauthorized second account, has significantly impacted my credit score. 
I am concerned about the long-term effects on my creditworthiness and the difficulties this may cause in securing future credit. 

Request for Resolution : Consideration of XXXX Hardship : I request that Self Inc. and the credit bureaus consider my financial hardship during the XXXX pandemic and make appropriate adjustments to the reporting of my first account. This may include reporting the account as affected by natural or declared disaster or adjusting the payment history to reflect the extenuating circumstances. 
Investigation of Unauthorized Account : I also request that the CFPB initiate an investigation into the unauthorized second account reported by Self Inc. and ensure its removal from my credit report.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bitstamp USA, Inc. (CA)

I opened an account with www.bitstamp.com based on a person who refereed to this site, As this site deals with crypto currencies.I opened an account and transferred money {$500.00} to this site. Later i realized the person who refereed me to this site was a hacker. I did bring this to the notice of Bitstamp.com, I have decided to withdraw the money back to my bank account. bitstamp.com decided to block withdrawal access. I have checked with customer support to number of times repeatedly and requested to allow me to transfer back my fund to my checking account. Finally they revoked my access and requested me to provide my Checking account details that they will transfer the funds. They did transfer {$400.00} instead of {$500.00}. When i asked why they did not refund the full amount. They are stating that wire and penalty chargers are deducted from the balance.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

Global Lending Services has engaged in unethical, and intentional fraudulent behavior since XX/XX/XXXX. I have attempted to bring the error to Global Lending Services ' Attention since the initiation of the loan. I have had no success. I have recently learned the terms of my Retail Installment Agreement had been violated due to my account my account being Charged Off without my knowledge. In addition, changes had been made to the agreement. Global Lending Services responded to my prior CFPB complaint indicating didn't matter because it didn't change the terms of the agreement. When the account was charged off in XX/XX/XXXX, I was paying the care note as scheduled. 

I purchased a vehicle with Global Lending in XX/XX/XXXX. 
I had been paying car note up through the period of XX/XX/XXXX, at which time I requested a payoff amount due to continuous erroneous credit reporting. The company did not respond. I sent another request, to which the company did not respond. I then submitted a request for the title to the vehicle as the company was in violation of the Retail Installment Agreement between signed at the point of purchase. 
I filed CFPB complaint XXXX. The company responded proving invoice and applied payment history, in addition to a letter indicating that they do not settle on accounts. Also, they will not be providing a title to the vehicle until the remaining balance was paid. I have recently applied for a HELOC with XXXX XXXX, and was notified that the auto loan with Global Lending Services has been written off since XX/XX/XXXX. I have requested a XXXX for the amount charged off as required by the US Tax Code. My request was denied. I called again today to request a 1099. I spoke with XXXX XXXX with the escalations department team. She notified me the Global Lending Services does not provide 1099s, nor does the company report the data to the IRS. However, my credit report clearly indicates the debt was written off as bad debt.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made 4 payments that have still not posted to my acct. 

XX/XX/XXXX {$320.00} - XX/XX/XXXX {$20.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$37.00} was already withdrawn from my bank account & Cap1 confirmed they received but still has not posted to my acct. 

I have never had any returned payments etc for them to hold my funds over 22 days
Consumer complaint received 2024-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (VA)

In XXXX, my original creditor XXXX XXXX XXXX XXXX closed and sold my auto loan account to resurgent capital services. My original account was opened in XXXX and the date of first delinquency was reported in XXXX. However, resurgent was reported onto my credit report in XX/XX/XXXX with an incorrect date of first delinquency and expired statue limitations. Resurgent has violated my rights under FCRA Section 623 ( 5 ) ( A ) and re-aged my debt and it needs to be erased immediately from XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency and my original contract containing my original signature. My rights dictate my ability to obtain this information. Lastly, I have received repo letters from resurgent notifying me of dates and times of repossession. I request that resurgent deletes this account immediately from XXXX and cease the repo letters and repo visits to my house.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P. (OH)

My identity was stolen. XXXX XXXXXXXX XXXX  allowed someone to open a credit card in my name in XXXX of XXXX according to my credit report this was around the time someone did this. They then transferred the debt to a collections agency named LVNV Funding LLC. I disputed this transaction with XXXX, XXXX and XXXX about 2 years ago. LVNV conducted an investigation and concluded that someone indeed stole my identity. This claim was then removed from my credit report. Now in XXXX XXXX placed this collection in the amount of XXXX back on my credit report and refuse to remove it knowing that someone else stole my identity. This is preventing me from qualifying to buy a house not to mention just inhumane in itself. They are continuing to harass me and trying to get me to pay for someone else debt who stole my identity. I spoke to XXXX directly to ask them why this is back on my credit report and they told me they have no record of a dispute because they get rid of disputed paper work once the investigation is completed. I could not quite understand that either. Please help to get this off my credit report for good and please help to put an end to all the harassment calls. XXXX!
Consumer complaint received 2024-03-03
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: HYUNDAI CAPITAL AMERICA (HI)

I am a XXXX XXXX XXXX, I used a military clause to return my leased vehicle to KIA finance. There is no contact information ( email or phone ) I can reach them at for credit disputes, and all prior contact I had reached out to return the vehicle has not been responded to. I have taken screenshots of the return, as well as the vehicle being paid off and returned in full. My credit has taken a drastic hit due to them not flagging my account as paid sooner, resulting in almost 3 months of " late payments '', despite no payments needing to be paid.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONGRESS COLLECTION CORP (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc. (TX)

Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.They have failed since my first letter went out on XX/XX/year>. They have failed to respond to the request for proof of the surety bond and all wet signatures of all parties involved. We have never conducted business with this company and have never given permission to anyone to sell or purchase our information.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

On XXXX XXXX 2023 i logged into my online banking and saw many fraudulent charges on my account, so I proceed to close the card trought the online banking and then I proceed to dispute the charges CASE XXXXThe system didnt allow to include all the transactions on the claim, so after the claim was submited I sent an email with a letter with all fraudulent charges, until now I dont see all the provitional credit for all the transactions listed on the email. 
The transfer act, regulation E and Z allows customer to report fraudulent charges by phone, in person or by letter. 
I tried to call the bank several times and nobody answer, I cant wait more than 30-45 minutes. 
Please proceed how was instructed, atached goes the letter sent