davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (NE)

I received a text message on XX/XX/year> from a debt collector and have not consented to receiving text messages from them. The text message is from phone number XXXXXXXX XXXX XXXX XXXX XXXX and it states, This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXX or XXXX ChargesMayApply Reply STOP to stop texts. I also do not owe any debt so other abusive factors are likely at hand as well.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (TX)

XXXX XXXX I was in XXXX, XXXX and apparently parked in the wrong place. After I returned home I received 3 traffic citations via certified mail from the XXXXXXXX XXXX XXXXXXXX. I paid the fines via wire transfer from my bank to the XXXX XXXX XXXXXXXX. 

Two weeks ago I received mail from Cedars Business Services attempting to collect on the same tickets. I sent correspondence to them via certified mail stating that the 3 tickets had already been paid. As attachments to the correspondence, I provided the copies of the tickets I had received directly from the XXXX XXXX XXXX, along with a copy of my Bank Wire Transfer advice to the XXXX XXXX XXXX, showing that I had already paid the fines. I requested that they cease and desist in their attempts to collect on this debt as it had already been paid Cedars Business Services continues to contact me to collect on this debt. I have provided them evidence of payment and they persist in their collection efforts which is a violation of the Fair Debt Collection Practices Act. I want them stopped and fined for their unscrupulous behavior.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

i have a hsbc checking accout.

they supsend my account without any reason. 


call the customer hotline can not provide any soulution. 


my account just use for regular check deposit and payment. 

no any cash transtion. and they block my account withour any reason.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

XXXX continues to work with Wells Fargo Bank in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both XXXX and Wells Fargo Bank has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (FL)

I applied for a consolidation loan. I have a screenshot that I would receive a one percent loan. When the process was almost complete, they had changed the percentage from 1 % to 6.5 %. I called the company tried to dispute it. XXXX Is the company? I have a screenshot of the original quote. They would not honor it And it was the very last day that I would Have to dispute it so I canceled the process. I want to complete The consolidation at the quoted rate of 1 %.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This account was sold to XXXX XXXX XXXX without my knowledge and in according to the FCRA Is no longer my responsibility since they have filed insurance claim on the account and then sold it
Consumer complaint received 2024-08-16
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. (FL)

I was apart of the Corinthian colleges borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a complaint regarding my credit report. Recently, XXXX removed a charge-off from my report that was reported by XXXX XXXX XXXX XXXX However, TransUnion and XXXX have failed to remove the same charge-off from my report. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq, credit reporting agencies are required to maintain accurate credit reports and investigate any disputed information. The FCRA also states that credit reporting agencies must correct or delete any information found to be inaccurate or incomplete, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681i. 

Despite acknowledging that the charge-off was in error, TransUnion and XXXX have failed to take the necessary action to correct my credit report. This is a violation of the FCRA and has caused me significant financial harm. 

I have attached documents from XXXX supporting my claim that the charge-off was in error and has been removed from my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that TransUnion and XXXX remove the incorrect charge-off from my credit report. I also urge you to hold these credit reporting agencies accountable for their failure to comply with the FCRA and the consequences outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.
Consumer complaint received 2024-07-14
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION Expedite XXXX : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
Attach : COPY OF ID ATTACHE DISPUTE LETTER ATTACH PROOF OF ADDRESS XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$42000.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$7000.00} XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$700.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$300.00} XXXX DATE OPENED XX/XX/XXXX BALANCE : {$470.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$4500.00}
Consumer complaint received 2024-08-15
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. (NY)

XX/XX/2024 Dear Consumer, Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX, Equifax, and XXXX. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by improperly reporting information about my account. 
The disputed information is a late payment that was improperly reported on my credit report. These late payments is in direct violation of FCRA law and negatively impacted my credit score. 
I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information. 
I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete. 
Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file. 
I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have a fraudulent XXXX account appearing on my Experian credit report. I have previously had this fraudulent account removed with XXXX, at the current time I currently am a XXXX customer with the active account. This account is from XXXX for {$1800.00} and the original amount was {$1500.00}. They have the date open as XX/XX/XXXX and the account was fraudulent open in XX/XX/XXXX. I didnt give anyone permission to open this account and the address listed was incorrect and fraudulent as well. 

XXXX XXXX XXXX is housing a fraudulent account, which is affecting my personal credit, also affecting my business affairs. Attached is XXXX affidavit, proof of original police report in XXXX and FTC report. 

XXXX XXXX XXXX {$1800.00} XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I regret to inform you that my Navy Federal Credit Card was erroneously closed due to the discovery of TIL and Regulation violations. The account closure was caused by billing errors, which I believe were beyond my control. Furthermore, I have reason to believe that some of my accounts at Navy Federal, which were previously reported as closed, are still open. However, I am confident that the FDIC will cover any negative balances that may arise from these accounts. I appreciate your attention to this matter and look forward to resolving it in a timely and efficient manner.
Consumer complaint received 2024-08-15
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. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX notified me that a derogatory notice to my credit score was provided them by XXXX from a collections company IC Systems. I contacted them and was provided an account that I knew nothing about from XXXX XXXX XXXX XXXX  that was opened in XXXXXXXX XXXX XXXX. I went to a store and worked with a rep there who provided me the details. Upon review of my credit reports, XXXX, XXXX and XXXX all note this collection agency attempt to collect a debt of {$960.00}. I have never resided at the address associated with this account, and have never opened an account or purchased a mobile phone from XXXX XXXX XXXX The address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX is listed on the reports. I have never been to Texas, so someone has stolen my name and possibly my social security number and used it to open an account and it was sent to collections and is on my credit reports in error. Please have this removed from my credit reports and my credit score restored to it's very good status of XXXX prior to this error reported incorrectly.
Consumer complaint received 2024-08-16
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

I was told that if I pay the collection, I could get approved for an apartment, but now I'm stuck unable to find an apartment and apparently will be stuck for another 5 years. I can't wait that long. I requested to have it removed bc it shows up as unpaid even though it had been paid in full and they won't do anything.
Consumer complaint received 2024-08-16
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. (TX)

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 Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

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 XXXX Date of Birth : Date of Birth : XX/XX/1984 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX 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 XXXX
Consumer complaint received 2024-08-16
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. (GA)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

XXXX continues to work with Wells Fargo Bank in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, XXXX  and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both XXXX and Wells Fargo Bank has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.