davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc. (OH)

On XX/XX/2024 via phone a dispute is submitted with all credit reporting agency for the following : Fig Loans # XXXXXXXX XXXX  The account payment history is incorrect and is reported as being 90 days late. This account has never paid late. In addition, this account has multiple listings on credit file report. 

Credit reporting agencies within 24 hours verified as accurate. Credit reporting agencies in violation of FCRA USC 1681, FCRA 611, and FCRA 623.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit, Inc (CA)

Assignee/Lender Name : Audi Financial Services ; Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; XXXX : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; -- -- -- -- -- -- I am writing to you, regarding the above-referenced account and transaction. This marks the second written communication addressing the pertinent issues surrounding the repossession of the vehicle described above, conducted by Audi Financial Services through XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

In accordance with the subsequent paragraphs, I will elucidate the grievances and demands stemming from the actions of Audi Financial Services and its affiliates : 1. ) Failure to Provide Necessary Documentation : Audi purportedly issued a " Notice of Intent to Dispose of Motor Vehicle '' dated XX/XX/XXXX, indicating that the conditional right to reinstatement was forfeited due to prior reinstatement activities. However, it's imperative to note that no evidence of prior reinstatement or corresponding Notices of Intent to Dispose of Motor Vehicle were provided by Audi prior to XX/XX/XXXX. Per California Civil Code section 2983.2 ( a ), such notices are mandated to be personally served or sent via certified mail, return receipt requested, or first-class mail to the last known address of the individuals liable on the contract. Regrettably, no such notice was received, thereby invalidating any claims of prior reinstatement and consequent repossession actions. 

2. ) Absence of Guaranteed Asset Protection Termination Notice : The alleged repossession incidents imply termination of the guaranteed asset protection associated with the vehicle subsequent to the purported reinstatement. As per California Civil Code section 2982.12 ( 6 ) ( B ), buyers are entitled to a pro-rata refund of unearned guaranteed asset protection waiver charges upon early termination of the conditional sale contract. Nevertheless, Audi neglected to furnish any Notice of Guaranteed Asset Protection Termination or issue a refund post-reinstatement, thereby contravening statutory provisions and necessitating remedial action. 

XXXX. ) Failure to Comply with Repossession Protocols : Contrary to legal mandates outlined in California Code, Business and Professions Code XXXX and California XXXX XXXX XXXX ( a ), the repossession process was conducted without requisite notifications and documentation. The absence of a Notice of XXXX, XXXX of XXXX Effects, and proof of payment of fees to law enforcement agencies within stipulated timeframes indicates procedural lapses on the part of the repossession agency, further exacerbating the violation of debtor rights and necessitating rectification.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Since student loan repayments resumed in XXXX, I have had countless issues with MOHELA. So far, they have taken months to process my XXXX have not emailed out billing statements to me, have put me on XXXX without notifying me, and they have removed my XXXX choice and moved me to the XXXX plan. Currently, I am not listed as being on the XXXX and my account on their website has no information about the status of my account. The XXXX XXXX XXXX XXXX shows my account is in XXXX, but the MOHELA website does not state that, and I never received an email that my account would be on XXXX. My MOHELA account also tells me I have no bills due, but no other information. The XXXX website tells me my next bill isn't due until XX/XX/XXXX, but MOHELA has not given me any information about a pause on my account. I tried calling their phone number, and their directory does not work. It just repeats the message without allowing me to dial the corresponding number to be directed to the department I need to speak to. I also never received notification from MOHELA that they will not longer be handling the counting of XXXX payments.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The account details in question are as follows : - Account Number : XXXX - Reported Date : XXXX XXXX, XXXX  - Balance : {$16000.00} - Current Payment Status : In Collections/Charge-off - Account Type : Auto Loan - Responsibility : Joint I have identified several discrepancies that need to be addressed : 1. Monthly Payment : {$0.00} reported incorrectly.

2. Payment History : Last payment date and status need clarification.

3. Account Status : Derogatory remarks need validation.

I demand verifiable proof of accuracy. Under the Fair Credit Reporting Act ( FCRA ), incorrect or unverifiable accounts must be corrected or deleted promptly.

I request a thorough investigation and a response within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-14
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: Experian Information Solutions Inc. (NJ)

I was looking at my report and noticed there was some things that was not correct. I sent a letter to EXPERIAN on XXXX XXXX Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-05-02
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. (GA)

XX/XX/XXXX, I looked at my report. I sent a letter to experian and XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX, XXXX XXXX Also a XXXX XXXX  account that XXXX  doesnt have any info on. 
Also the account XXXX uplift XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Experian. XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, XXXX Experian. XXXX XXXX XXXX XXXX-Reported XX/XX/XXXX # XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my Experian, XXXX, XXXX XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. ( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. and according to 15 USC 1681s-2the are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (GA)

Subject : Dispute of Account Information I am writing to dispute the accuracy of account, reported on XXXX. XXXX, XXXX. 

I want to clarify that I did not sign any paperwork for the title of this vehicle. My wife and I acquired this vehicle through XXXX XXXX XXXX, which went out of business in XX/XX/XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$530.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession and redemption require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (WI)

I have sent letters to all 3 credit agencies and have been receiving pre generated responses from their system as if they cant help me with my request- There is information on my file that needs to be removed and updated - I have not gotten any responses or verification that they have even attempted to assist me
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (NY)

XXXX XXXX This is not a dupilcate complaint .on my experian credit report i sent documuntation from XXXX XXXX agreeing to remove the late payment as courtesy reason is i have a borrow assitsnce during that time a nd by law they dont suppose to report that ctedit reporting i got letters from XXXX XXXX to remove off experian but its still showing 60 days late and have a federal trade report on file and also have XXXX  update
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RentDebt Automated Collections, LLC (TX)

ON XX/XX/22 I GOT FIRED FROM MY JOB AS A XXXX XXXX  AT XXXX AT XXXX XXXX. I ALSO LIVED THERE AND FOUND OUT I WAS XXXX. AFTER LOSING MY JOB I HAD NO INCOME TO CONTINUE TO KEEP UP WITH MY BILLS. I HAD APPLIED FOR TEXAS RENT RELIEF I GOT APPROVED HOWEVER THE RENT CHECK WAS SENT TO THE WRONG ADDRESS EVERYTHING THAT WENT ON THE PROPERTY MANAGER WAS INFORMED. I APPLIED FOR JOB AFTER JOB NOTHING WAS NOT MOVING FAST ENOUGH. THIS WAS A NATURAL DIASTER FOR ME AND MY FAMILY. IM DEMANDING THIS DEBT TO BE REMOVE OFF MY CREDIT. I GET FIRED I APPLIED FOR RENT ASSISTANCE GOT APPROVED IT WAS NOT FAULT IT WAS TEXAS RENT RELIEF THEY WERE WORKING TO FIX THE PROBLEM. ITS HARD FOR ME TO GET A HOME FOR ME AND MY XXXX KIDS. HOW DO YOU EXPECT ME TO PAY RENT AFTER YOU FIRED ME KNOWING I LIVED ON PROPERTY. THERE WAS A MOTION FOR NONSUIT OR DISMISSAL FILED FROM THE PLAINTIFF.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

I am requesting an investigation into Citibank 's deceptive business practice of refusing to allow consumers to discuss the possibility of closing an account before the account becomes delinquent. 

Citibank first refused to allow consumers to reach a live representative and kept the consumer in an automated voice system as a deterrent and as a tool to collect additional late fees and interest. 

Citibank then transferred the call to a foreign country where the representative could not speak or understand XXXX XXXX XXXX when asked to be transferred to the United States the call was disconnected and forced the consumer to repeat the process for hours with no result. 

This deceptive business practice is designed to prevent the consumers from possibly settling the account without the account before delinquencies and allows Citibank to continue to collect late fees and interest before accepting a settlement intentionally and deceptively forcing a negative impact on the consumer credit score. 

I am asking the CFPB the enforce or enact laws that prevent this deceptive business practice and allow consumers who express willingness to pay to negotiate a settlement in good faith without the account going delinquent and additional late fees and interest are applied.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

After Experian continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.
Consumer complaint received 2024-05-02
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. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1300.00}
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (LA)

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.

has violated my rights. Or 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 2018-05-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern, I sent a letter to you disputing 4 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (VA)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. And according to 15 USC 1681 eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-05
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.