davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

I was recently approved for a new Citi XXXX XXXX card with a balance transfer offer. I never received the card and requested a new one. I just got the card today. After activating it, I was told by XXXX different people ( customer service rep, accounts XXXX, and account XXXX ) that the offer was gone because I didn't activate it. I'm hoping that since I just got the card, there is someone who can help me get the offer again. It was XXXX XXXX interest for XXXX months.
Consumer complaint received 2024-08-13
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: Consumer Portfolio Services, Inc. (GA)

I was doing a business purchase and was asked to get my personal info for id purpose. Next thing I kno. It was car inquiries all over my credit at different times & I only did business app but this was for personal loan inquiries
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP (MI)

I have an old dental bill & I made payment arrangements for, but the Perferred dental office refused to see me and my son anymore and sent my bill to collections. Now its affecting my credit and XXXX collection is calling me multiple times for the money owed.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (NJ)

I opened an auto loan in XXXX. Not even a week into the loan the car starter blew out there was no AC and the dealer refused to take the car back. A few days later I let the bank know I wanted to surrender the vehicle snd the loan. In the blink of an eye the vehicle was stolen from me by armed men. Thats no coincidence. Yet the repossession is on my report. The bank is Westlake Financial
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Found a collection on my credit reports in the amount of {$8200.00} from portfolio recovery. Synchrony Bank was the original debt. I never had such account. I disputed several times but it keeps coming back verified but no information is provided to me to prove verified. It's not my debt and I ask them to provide photo id, signature and address that was used to open such account but they have not provided that. The only thing they gave was name original debt and when it was opened
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2024-09-03
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year>, in accordance with 12 CFR Part XXXX Regulation Z Notice Rights of Recission/Adverse Action was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX 

On XX/XX/year>, a Notice of De-Fault Opportunity to Cure was given to companies : CHASE AUTO FINANCE and XXXX XXXX. 

On XX/XX/year> a Notice of De-Fault Judgement/Non-Response/Non Performance was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

You have used my consumer report without a permissible purpse, I am hereby requesting the document, that gave you permissible purpose to pull my consumer report. Per 15 USC 1681 ( b ) ( 2 ) under the new guidelines and the advisory opinion of the CFPB, disclaimers will not cure a failure to have a reason to believe that a user has permissible purpose for a consumer report provided pursuant to FCRA Section 604 ( a ) ( 3 ) You shall provide me with that document that you have permission, from me, to pull my consumer report. If you do not possess this document, or can not provide me this document, by this permissible document, you will be held person 15 USC 1681 ( n ) ( o ) under civil liability for pulling my consumer report under false pretenses knowingly without a permissible purpose for which the penalty is a XXXX dollars. 

FCRA Section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (MI)

Today XXXX XX/XX/year>, Someone called my home from XXXX XXXX XXXX. The person didnt give there name but asked me for my personal information. I dont give birthday dates or addresses to NOBODY Period! All the scammers that are getting peoples birthday and address using to fraud people no way. My phone number is unlisted private just changed my number and getting calls again from XXXX XXXX XXXX. Let them know that my last name is XXXX XXXX XXXX XXXX so stop calling me about some one named XXXX! Never heard of that before I had to get a Lawyer about XXXX years again about fraudulent claims in my name.
Consumer complaint received 2024-06-18
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: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (IL)

On XX/XX/year> I had a hard inquiry made fraudulently on my credit file. I was a victim of Identity theft & would like the hard inquiry removed from my credit report. The company is XXXXMILESTONE. Ive called on multiple occasions about this inquiry and it is still not removed from my credit file.
Consumer complaint received 2024-06-18
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: Medical-Commercial Audit Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MCA MGMNT CO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224. 

It has unequivocally come to my attention that MCA MGMNT CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MGMNT CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that MCA MGMNT CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MGMNT CO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I made charges on my Citibank credit card account ending in XXXX. Citibank accepted those payments. They then locked my card. I then paid off my card in full and they accepted payment on XX/XX/2024. They will now no longer allow me to use the card BUT NEVER TOLD ME SO! They are defrauding me by telling me that they accepted payment yet are failing to allow me to use the card. IN fact, I have tried o use the card and have been damaged din the process while it is being declined.
Consumer complaint received 2024-09-05
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. (DE)

I looked at my Equifax credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (WI)

i was XXXX  in 2016 and XXXX XXXX XXXX XXXX in Wisconsin XXXX  have proof i was just XXXX XXXX XXXX XXXX XXXX from the department of XXXX which means this was in no way me on this Fortiva account after looking on my credit report i see that someone has had the card and has been using it for years along with fraud bank accounts please help me remove this fraud from my report this was not me on this account i attached 2 photos one of my charges and one of my XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (NH)

Williams and Fudge embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (CA)

Good morning, I received a credit alert from XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX Credit Bureau that there was a Hard Inquiry pulled from an institution : CB Indigo -- Bank on Monday, XX/XX/year>. 
I do not recognize this institution, and never authorized them to pull a hard inquiry from my credit report, nor do I even know what type of business this is. 
I strongly suspect that my identity was stolen. 
Also, I called the number for this institution CB Indigo Bank ( XXXX ) and they do not provide any assistance over the phone whatsoever. 

They only have an automated system that asks to provide Personal Identifiable Information ( PII ) such as a social security number. 
I am certain this is the case of identity theft and this institution is not helping whatsoever. 

I am pleading for help from the Consumer Financial Protection Bureau to have this matter resolved, and the hard inquiry removed from my credit report. 
More importantly, I suspect that this institution is fraudulent. 

Looking forward to hearing back from you. 
Thank you so much.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

I recently checked my credit profile and noticed an unauthorized account with a derogatory remark added to my report. I have recently contacted this company about this issue and have not gotten a response and feel this is not verifiable under the federal credit reporting act. The name of the company is Diversified Adjustment Service , Inc .
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (MD)

On XX/XX/year>, Google decommissioned their GPay app and merged most of the functionality into the Wallet app. Any balance remaining in GPay can only be transferred out via their website. When I attempted to do this, I was told that transfers out are now limited to {$200.00} in a rolling 7-day period. This restriction did not previously exist. Their official response when I contacted them stated this " As of XX/XX/year>, the U.S. version of the Google Pay app will no longer be available for use. While we recognize that this change may be inconvenient for some users, please be assured that it does not impact the services provided by Google Wallet. '' This is a factually incorrect statement as one of the services provided by Google Wallet, i.e. balance transfer, is now restricted. I was not informed of this change in functionality prior to this point in time and I did not agree to any new usage agreement for these new terms. As it is, Google is functionally holding my money hostage for a minimum of the 5 weeks it will take to transfer the balance out. I was recently XXXX and need these funds to pay my XXXXl bills so waiting is not an option.