davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (WI)

In XXXX of 2023 I was ordered to pay a ticket and court fees to the XXXX XXXX XXXX and state public defender. I paid all of these costs directly to XXXX XXXX within the time due, otherwise there would have been a warrant placed for my arrest. All payment was due by XX/XX/2023 and I paid everything in full on XX/XX/2023. Although all dues were paid i got a letter in XXXX of 2023 stating the account would be sent for collections to XXXX XXXX XXXX ( XXXX  ). I contacted the state of XXXX consumer accounts department and the debt collector listed in the letter and sent in all available proof. I was told everything would be handled and was never contacted by either agency again. Five months later, in XXXX of 2023, the account popped up on my credit report in collections. At this time I again contacted the state of XXXX and I spoke to them about the situation and they said that there was a payment that shouldve been made separately from my court fine and that was what was sent to collections but when I called the county clerks office that I originally paid they informed me that specific fine that person was referring to was included in the amount I paid in XXXX of 2023. I contacted the debtor on XX/XX/2023 and explained the situation and they said they couldnt completely drop the debt but could settle for a one time payment of {$140.00}. The payment was taken out of my bank account via debit card on XX/XX/2023. Today, on XX/XX/2023 I was notified that a new account was added to my credit report. It was not a new account but rather the above mentioned debt collector reopening the account I had paid them for. I contacted my credit reporting agency and they informed me on the night of XX/XX/2023 that the mentioned debt collector is claiming they never received payment. I will also be contacting the county clerks office again after the holidays to get a breakdown summary of where everything I paid in XXXX went so there can be no denying payment anymore.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Early Warning Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the FCRA. SEE 15 U.S. Code 1681 ( b ). Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purposes unless - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified inaccordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S. Code 1681b ( f ). Chester v. Purvis 260F. Supp. 2d 711 ( SD Ind. 2003 ). 15 US Code 1681b Permissible Permissions of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand jury, or subpoena issued in according to section 5318 of title 31 or section 3486 of title 18, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I have not initiated any transaction with Early Warning Services Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Early Warning Services for review or collection, not have I given any express permission to report any accounts I deem to be impacting me negatively/damaging my consumer reputation. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C 1681q. I and demanding the following accounts be removed effective immediately from my early warning reports. 

Any and all accounts associated with XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be removed from my repairers as I have not consented to any reporting on these accounts nor has early warning conducted any proper investigation or administrative process to confirm these reports are accurate.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-08-07
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)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-05-09
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 by more than seven 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 2023-08-29
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. (PA)

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-25
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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (AR)

I needed a car, I went to the local ( bolles in XXXX XXXX  ) dealership and they informed me despite my XXXX credit score and ( at the time ) full time XXXX XXXX an hour job I would have trouble finding a loan. 
They ( XXXX XXXX ) set me up automatically with a loan through Ally at XXXX APR to the tune of XXXXXXXX XXXX  for a used XXXXXXXX XXXX XXXXXXXX with problems they had " solved ''. I needed a vehicle desperately so I traded the XXXX XXXX XXXX I had paid XXXX XXXX  to own outright ( had numerous problems and wasn't a viable car considering I had a child on the way ) which they " credited XXXXXXXX XXXX  towards the loan ''. Now i've been paying on this vehicle for a year and a half on time every month ( XXXXXXXX XXXX  per month ) and i still owe XXXX on it. The XXXX XXXX appraises at XXXXXXXX XXXX ( as per my local assessor ) hardly worth the price the dealership put on the vehicle, but in addition to that when I left a bad review on XXXX to warn others about this dealership I received a call from an individual ( who's name I'll leave out of this for his offer to try and resolve this ) who claims to have bought the dealership ( unconfirmed ) and wants to help solve the problem I'm having. He wants a copy of my house title, proof of income, and proof of employment, which I feel may only complicate this and possibly make our situation worse. I feel like I not only was sold a lemon but also fell prey to a predatory loan, and possibly was discriminated against by Ally for being a white male ( which was asked by Ally of the dealership when this loan was enacted ). I'm trying to rectify this the right way, and I'm intended on reaching out to lawyers regarding the situation, I'm not sure what state I should be looking in as I now live in Arkansas, the vehicle was purchased in Connecticut, and Ally is situated in Michigan. If we can avoid litigation I think that would be preferable to everyone involved.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, 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. (CA)

This was my 5th complaint to Experian and XXXX informing them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days after the XXXX XXXX XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Upon checking my credit reports, I noticed an account reported by BOFA on my 3 credit bureaus. The account in question contained some inconsistencies acrross the bureaus. There was no activity reported for the said account in XX/XX/XXXX for XXXX while there was an OK status for the 2 others. The XXXX credit report is showing 150 days past due on XX/XX/XXXX and charged off for XX/XX/XXXX however both XXXX and XXXX are only showing 120 days past due on XX/XX/XXXX. The company also fails to identify if the account was paid in these reports.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

Hi there The following is the situation I am facing Chase Bank restricted my checking account on XX/XX/. Despite reaching out to customer service multiple times, I have not received a satisfactory explanation for this action. 

According to customer service representatives, the closure was initiated by the bank 's core team, but they are unwilling or unable to disclose the specific reasons behind this decision. I have been informed that an ongoing investigation is being conducted by the core team, yet the duration of this inquiry remains unclear. 

To seek clarity, I visited the bank 's branch, where I was assisted in contacting various customer service numbers provided by Chase Bank. Unfortunately, each call produced different and conflicting information. The Fraud Department claims my funds are held by the Legal Department, but the Legal Department denies having any information about my account.

I already submitted 3 complaints to the Chase Complaint Department during the past two months, but nothing updated and I haven't received my funds yet. 

I appreciate it if you could help me with it, hope to hear from you soon!
Consumer complaint received 2023-08-29
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. (CA)

I disputed a collections account that has been inaccurately reported on my credit report. I attempted to contact the collection agency 3 times via certified mail requesting validation of the debt as required per 15 U.S. Code 1692g. The collection agency received my request and refused to provide any response. I then attached all requests and proof of receipt to the credit bureau and asked for them to remove it since it could not be verified. They conducted an investigation, did not provide me with any evidence, and verified it. I have attempted to contact the credit bureau and have not gotten any answers nor has this been removed from my credit report.
Consumer complaint received 2023-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (GA)

To whom this may concern, This letter is to notify youabout a problem I am having with the company US AUTO Sales and Westlake management. I purchased a vehicle from US Auto Sales at the XXXX location and it was a few years I was with them. When they went bankrupt it cleared the debt and now Westlake management is trying to collect. I asked them to provide in writing who the original creditor is and request documentation that verifies I owe the debt, such as a copy of the original contract. And being based in California Im not even sure if its legal to collect debt in this state. This was many months ago when I spoke with someone who said they cant provide the documentation and put a cease and desist on the account. Which is still on it today. I know this because after filling a complaint to the XXXX  on XX/XX/2023 they repossessed my car in the middle of the night. I call them today XX/XX/2023 and they stated yes they have it even though they know they havent verified any information, and theyre the ones that told me about the account being under a cease and desist. This is providing a financial burden now. Im missing work and have children to provide for. I need a rational and reasonable solution to resolve this matter quickly.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report XXXX : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : Ideal collection Account # XXXX amount {$870.00} Date open XX/XX/XXXX Experian : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX  Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} XXXX : XXXX Account # XXXX Amount {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}