davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services (AL)

Dear Sir/Madam XXXX/Viking , Subject : Complaint Regarding Lack of Communication and Payment Portal Issues I am writing to formally complain about the lack of communication and the issues I have experienced with your payment portal. Despite my repeated attempts to resolve this matter, I have been unable to make the necessary payments and have received no response to my inquiries.

I have contacted your office multiple times via email and have proof of these communications, yet I have received no response, just recently, on XX/XX/year>. Consequently, my account was wrongly sent to a collections agency called Viking and they have yet to contact me as well.

Below is a summary of the issues I have encountered : 1. **Lack of Communication** : Despite sending several emails to your office regarding payment issues, I have not received any replies or assistance.

2. **Payment Portal Issues** : I have experienced persistent problems with your payment portal, which has prevented me from making timely payments.

3. **Wrongful Collection Action** : Due to the aforementioned issues, my account was incorrectly referred to XXXX, a collections agency, which has not reached out to me either.

I have attached copies of the emails I sent to your office as evidence of my attempts to resolve this issue. I request immediate assistance to address these problems, rectify my account status, and ensure that no further incorrect collection actions are taken.

Given the severity of this matter and the impact on my credit, I am also forwarding this letter to the Consumer Financial Protection Bureau for their records and potential action.

I hope to receive a prompt response and resolution to this matter. Please contact me at your earliest convenience to discuss how we can resolve these issues.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-01
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. (FL)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-17
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am writing to bring to your attention that a fraudulent unauthorized account has appeared on my credit report. This account was made by entities I am unfamiliar with, and I have no record of initiating any business or financial transactions with them. This isnt my account I have no knowledge of it as it is fraudulent. Below are the details of the fraudulent collection account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent and I have no knowledge of this account I take my credit very serious would never go into debt over {$200.00} remove this account as soon as possible as it is messing with my livelihood. 

XXXX : XXXX This is I, XXXX XXXX , disputing n

o one is representing me this is me. 15 U.S.C. 16815-2 ( a ) ( 1 ) A person shall not furnish any information relating so a consumer to any consumer reporting agency if the person knows or h
as reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out the creditor didn't give the required XXXX 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 2024-08-31
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 (FL)

Subject : Urgent : Request for Refund and Resolution of Transaction Dispute Dear Goldman Sachs Bank USA, I trust this message finds you well. I am writing to bring to your attention a matter of great concern regarding a recent transaction and subsequent service experience, seeking your assistance in resolving this issue promptly. 

**Transaction Details : ** On XX/XX/year>, I initiated a payment of {$2000.00} for a service that, unfortunately, left me extremely dissatisfied. The promised follow-up call never materialized, and despite assurances of a refund since XX/XX/XXXX, the reimbursement has not been received as per the attached screenshots. 

**Service Dissatisfaction : ** 1. **Unfulfilled Promises : ** I was assured of a call which never occurred, leading to significant dissatisfaction with the service.

2. **Delayed Refund : ** Despite promises of a refund, my {$2000.00} has not been returned, causing distress and financial strain.

3. **Lack of Communication : ** When I questioned the delay, my inquiries were completely ignored, adding to the frustration.

**No Clear Agreement : ** I would like to emphasize that all interactions were conducted over the phone, and I was directed to a link to input my card details. At no point was I presented with an agreement, checkboxes to confirm terms, or any document to sign following the {$2000.00} payment. 

**Refund Policy Absence : ** Moreover, the attached Stripe receipt and the provided link lack any indication or explanation of a refund policy. There is no information provided on how to request a refund or the terms associated with the transaction.

**Request for Action : ** Given the circumstances described, I kindly request : 1. An expedited review of the attached evidence and a thorough investigation into the transaction dispute 2. Urgent attention to the refund process and a resolution of the dissatisfaction surrounding the unfulfilled service promises. 

I believe I am a victim of a scam, and your assistance in rectifying this situation is crucial. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-08-19
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. (CO)

XXXX removed inquiries i disputed then added it back cto my credit file. I need everything removed again ALL INQUIRIES ARE FRAUD AND/OR NOT AUTHORIZED REFUSES TO RESPOND TO ALL CERTIFIED LETTERS DISPUTING INQUIRIES
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: Fidelity National Information Services, Inc. (FNIS) (GA)

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  In detail, you recorded that I had non-sufficient funds with XXXXXXXX XXXX on or around XX/XX/2021. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

The final billing with Citicards was paid in full ( {$2000.00} ) well before the due date. I closed the account. I am now being billed an additional {$14.00}, XXXX in interest on {$760.00} and have no idea where this amount came from.
Consumer complaint received 2024-09-02
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: Army and Air Force Exchange Service (FL)

AAFES star card did not explain how they increased my line of credit without my written permission. They also did not cite the CFR, stating why they could not do this. I am a disabled combat veteran. 
Please ask them to cite the specific CFR regarding how they increased my credit line and how they claimed the charge off.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (SC)

I called and emailed this company several times to work out payment arrangement with no response or denial ir repossession threats I been XXXX  and XXXX XXXX XXXX just recently been XXXX XXXX XXXX and have trouble trying to catch all my bills up I made a {$250.00} payment to them on the XX/XX/24 I explained to them my situation the just took the payment and say ok that was it I have all the emails sent to them as proof
Consumer complaint received 2023-12-31
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. (NJ)

Transunion did not reinvestigate XXXX XXXX  acct # XXXX properly.They have not sent or mailed any proof from the creditor pertaining this account payment history. If they can not validate then please update account payment history
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

our company has not forwarded any documentation showing me proof of the verification methods used to verify my accounts. Considering the fact that it has been over 2 months, your company has clearly violated Section 611 ( 50 ( A ), and continues to show your flagrant disregard for Federal laws.

I have asked and requested numerous times for your company to give me the names of the people who verified the accuracy of these accounts, but your company ignored my request every single time. This behavior is also a violation of Federal law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. Just a friendly reminder when we go to litigation, your company will be required to submit documents along with an affidavit swearing under oath that these are the true and correct documents that were used to verify my disputed accounts.

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, that you are required to promptly DELETE all information that can not be verified. Once again I request that your company delete these accounts immediately, but I'm sure you are already aware of this information.

All the accounts listed below need to be deleted off my credit report IMMEDIATELY XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am personally filing this complaint regarding my credit record. Upon examination, I found late payment entries. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I now seek your help in addressing this matter.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OH)

Unauthorized Hard Inquiries on Credit Report Dear CFPB, I am writing to bring to your attention an issue I have identified on my credit report. Upon recent review, I have noticed several hard inquiries that I did not authorize, all of which occurred on the same dayXXXX XXXX, XXXX. Specifically, these inquiries include AMERICREDIT, XXXX XXXX, and XXXX XXXX XXXX. Additionally, I have observed a hard inquiry from XXXX XXXX dated XX/XX/XXXX, which I did not initiate and appears to be fraudulent.

I also wish to highlight a concerning practice by XXXX XXXX. When I applied for a credit card through them, they conducted a hard inquiry, which was reported twice on different days, even though it was for the same application. This has negatively impacted my credit score, and I am seeking clarification on how such a discrepancy could occur.

I kindly request your assistance in investigating these matters to ensure that my credit report accurately reflects only those inquiries that I have authorized. I appreciate your attention to this issue and look forward to your guidance on how to resolve these discrepancies.

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC (MI)

Was set up on auto pay biweekly for {$180.00} for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Payments were not withdrawn. In XX/XX/XXXX I paid past payments.
Consumer complaint received 2024-07-30
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. (NE)

My account with XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

XXXX XXXX doesn't have a signed contract and no identification XXXX XXXX XXXX XXXX has been reporting false information on my credit report. The account associated with XXXX XXXX is a fraudulent account and has been closed for several months. Some how XXXX XXXX is still adding monthly late payments to my credit History as if the account is open and active when the account has been closed for several months. This is a violation and should not be allowed.
Consumer complaint received 2024-07-01
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. (WI)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


CONSUMER PORTFOLIO SVC Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports