davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

OnXX/XX/XXXX I successfully had AXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account removed from my credit report. 

OnXX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As ofXX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have contacted these companies about incorrect information reporting on my credit report. Please update my correct name and address and delete all other inaccurate information. I want one name and one address reporting only. All other information is inaccurate.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I lodged a complaint with these Bureaus a XXXX  XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf.

Additional Unauthorized Hard Inquires : 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 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Credit card bill was due on XX/XX/2023. The bill was paid on XX/XX/2023 with a debit card which means funds were removed from account immediately. The payment was done way before XXXX. The capital one rep told me they get to charge late fees if the bill is not paid by XXXX. She was rude to me and told me learn to pay my bill before XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Misbehaved my XXXX employee - I have account suddenly i can't access where as Experian- XXXX all good but some call center guy try verify my ID through phone not email- it is suspicious, The call center is very suspicious also received a message from some one said my social security is suspended, the mail came from XXXX Today is XX/XX/2023 this happend local time XXXX AM to XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-07
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: Express Collections, Inc. (TX)

Hello, To whom this may concern, I have tried over and over again to get these accounts off my credit report and the credit report are not doing what they are suppose to do. I have disputed theses Companies because the are wrong.! 
Amount : XXXX the date states XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. I Know these companies have violated my right because according to the Fair Credit Reporting act 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. I have never heard of the Companies that is contacting me to collect theses debit. The credit report keep saying this is accurate. The 15 U.S.C 1681 SECTION 604 A. SECTION 2 Also states that the consumer reporting agency can not furnish a account without my written instruction. I Have the right to challenge these debit. Please help
Consumer complaint received 2024-01-29
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. (SC)

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus twice in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have not authorized or given written consent.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with Jefferson Capital. This matter has caused significant financial hardship and XXXX XXXX, and I seek your urgent intervention. 

In XX/XX/year>, I paid ( in full ) an outstanding debt to XXXX XXXX. Despite fulfilling my financial obligation, in XX/XX/year>, the debt/collection account for the same debt resurfaced on my credit report under XXXX XXXX XXXX This was utterly shocking and XXXX  as I had resolved this matter almost a year prior. 

Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX. They confirmed that my account had a ZERO balance and was fully resolved. Despite their acknowledgment, the collection account continues to be inaccurately reported by Jefferson Capital XXXX XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my XXXX XXXX, making it difficult for me to secure loans, housing, and other financial opportunities. 

The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The actions of Jefferson Capital and their blatant disregard for my consumer rights, needs to be addressed. The continued lack of response by Jefferson Capital to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. 
I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. 

Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently retrieved my credit report and it showed 1 credit inquiry that I have no knowledge of ever authorizing. 

creditor name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CA)

SoFi bank closed my account around a month ago. I have never done anything wrong on that account and have been a loyal customer for some time. My account was restricted and I began to ask them what the issue is. The only answer I have gotten from security team is that my account was under investigation ( didnt tell me the reason of the investigation ) and that my account will be closed and I can not access the funds that were in my account nor will I receive it when account is closed. Was recently contacted for me to call them just for them to tell me I can deposit money to my account but I can not withdrawal, but my account is closing and I wont have access to whatever funds are in that account which makes ZERO sense. SoFi has had other account holders with similar complaints through XXXX as well.
Consumer complaint received 2024-01-29
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 have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX Alleged balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

I am writing to formally dispute a late payment reported on my credit report, which was reported in error. 

In XXXX I called XXXX who finances through comenity to get enrolled in auto pay. When i spoke to the customer service agent in XXXX the agent stated I was enrolled and good to go moving forward. In may a late payment was reported for comenity/XXXX I called comenity and paid the card balance in full. I also asked them to remove the late payment as it was their mistake. they stated that they can not contact credit bureaus and i have to make the dispute myself. The credit Bureaus are stating hey need a letter from Comenity to remove it but comenity is refusing to provide it. 

Unfortunately due to the error on the part of comenity, this payment was incorrectly processed and subsequently reported as late on my credit report. I respectfully requested that the CFPB assist in rectifying this error and insure the incorrect late payment is removed from my credit report. thank you for your assistance in this matter.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX I received a Payoff Quote from PHH Mortgage for the amount of {$410000.00} good through XX/XX/XXXX On XX/XX/XXXX I Closed on a refinance with a new lender. 

On XX/XX/XXXX The Settlement agent XXXX XXXX XXXX sent a XXXX Official check in the amount of {$410000.00} via XXXX to the address indicated on the PHH payoff quote. 

On XX/XX/XXXX The payment was received by PHH Mortgage, as indicated on the XXXX  proof of delivery. 

Its XX/XX/XXXX and PHH Mortgage has still not processed the payment and is incorrectly reporting this Mortgage account as open and not paid on time, in violation of the Fair Credit Reporting Act
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (FL)

The banker misapplied my payment of {$990.00} to a Credit Card account on the first day the bank regained power and reopened after XXXX [ the local hurricane ]. The Personal Loan is now delinquent or in default because of the misapplication of that check ( XXXX ) that has cleared my checking account at another financial institution. The Credit Card was also paid in full that same date in the sum of {$3800.00}.