davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (FL)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (FL)

I contracted covid XXXX while working as a XXXX with XXXX XXXX XXXX. I was seen in the XXXX  at XXXX in XXXX of XXXX. I was diagnosed XXXX  day later by my primary care provider and was off work from XXXX of XXXX  until late XXXX XXXX of XXXX  due to severe XXXX  issues. I was required to have an echocardiogram done to return to work. This is the bill for that echo which should have been covered under workmans comp. However, XXXX took the stance of cant prove you caught covid while working so Covid, according to XXXX was not covered. I contacted the Arkansas XXXX XXXX XXXX and filed a complaint as initiated to have the fee removed. I have spoke with the collection agency stating the amount should have been covered by the company I worked for which is the same company there performed the medical exam. I have had no luck to gain a resolution of having this amount removed from my credit report. I offered to make payments to XXXX at the time but they stated the would not take {$25.00} a month payments and would take it out of your check in XXXX payments as I still worked for the company. Once they refused my payment offered I tried to get it covered under workmans comp. I wont be bullied into paying for this when XXXX should have been responsible.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I had account with chime 4 years ago and it got colsed I had closed it bcouse I never got my card in the mail and they still have yet send me my check and they tell me 10 business days and mouthing coming
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC (CA)

I have contacted this company numerous time and filed a complaint with this company regarding a late payment they are reporting when this account was closed in XXXX, per prior dispute company agreed to remove this incorrect late payment for XX/XX/2023 due to account being closed which I am enclosing the letter below but have not remove the XXXX late payment, If not removed immediatly will seek legal actions for the continuing of reporting inaccurate information and damages to my credit report
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (FL)

Try to pay off the loan and they cancelled my payment so they can charge me a extra day of interest. Called the company informed them of the situation and they hung up the phone called again and they will not direct me to upper management to resolve the issue.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized 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 inquiries : XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX and Transunion completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the issue.
Consumer complaint received 2024-05-07
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. (TX)

Reported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX  XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Consumer complaint received 2024-05-07
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. (GA)

I sent letters to XXXX, TRANSUNION and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On Tuesday XX/XX/2024 approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident. This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered. 



I was contacted by the bank and they said they were not giving me my money because the ATM was malfunctioning. They refused to pay me and made me wait a week.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (VA)

I had a free trial with the company XXXX. I canceled my free trial, and XXXX said I owed them {$130.00} and that I needed to make a payment or the account would be sent to collections. This is inaccurate because I canceled my free trial. 

I tried calling XXXX several times and they stated they couldn't do anything about it. I am needing these unjustifiable payment charges to be solved and taken out of collections so they wont be reported to the credit bureaus, because this shouldn't be in collections in the first place because I canceled my free trial with XXXX.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-07
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. (PA)

I am writing to follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable, as it not only violates my rights as a consumer but also reflects poorly on your agency 's compliance with legal obligations.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-03
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: EQUIFAX, INC. (FL)

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. Equifax is reporting on my credit report for XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2023-09-21
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

I was on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX  on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS was not participating in Covid-19 relief therefore denied us for modification at least 6 times. They did refer us to Georgia HAF for assistance. We provided them with ALL documentation to prove our setback was due to the Covid pandemic. We were given a grant for {$32000.00} to bring our mortgage current. Our problem with SPS is the credit reporting. Under the CARES ACT, there are not to be any delinquent credit reporting due to the Covid Pandemic. SPS refuses to remove past due reporting during this difficult time. We are seeking your assistance in having them removed. Thank You
Consumer complaint received 2023-12-03
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (KS)

Ever since I've closed my Amazon Store card I still continue to receive calls regarding this debt. XXXX  ( s ) included ( Violation of Consumer Protection Act ). These are all " robocalls '' while in fact the number listed on the account ( which should be closed ) is listed on the U. S. do not call registry. these continued and unanswered calls are a form of harassment. XXXX has economic tort laws and remedies in in place for restitution in which I will seek restitution against Synchrony for damages for each offense unless I'm offered a remedy on their End. 
Thank you, - XXXX XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by TransUnion, XXXX, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX : XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : TransUnion : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were XXXX due to recognized deceptive practices by XXXX XXXX, and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to TransUnion, XXXX, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.