davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

My account with XXXX XXXX was never late! I have had exceptional payment History XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
XXXX XXXX - XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (IL)

Standard stuff from a prepaid card bank, I have unauthorized charges which legally under regulation e laws and guidelines Im not liable for, I immediately have my card canceled and report these transactions, for the bank to deny my dispute claim 2 hours later, not even filing with the merchant
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AARGON AGNCY ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. MUST remove this collection account immediately. 




15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (MN)

There is an inaccurate information reporting to my credit report. I been no longer had the vehicle in my name or progression, nor have I ever lived in Texas. This devastating and hurting my credit score and my life. 

Credit Management L.P. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX OR XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Request for Purchase Agreements- Account Number : XXXX. 
Reference : XXXX. Invoice Number : XXXX. Client # XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number Account Number : XXXX. 
Reference : XXXX. Invoice Number : XXXX. Client # XXXX I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX Reference : XXXX. 
Invoice Number : XXXX Client # XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 
Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on m

y credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-11-02
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. (NY)

I called all 3 reporting agencies XXXX, Experian and XXXX!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!! 
Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (IN)

This company has participated in predatory, manipulative, and irresponisble loans with interest so I high they can never be paid off in a reasonable amount of time. I believe they are loan sharking.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I had two fraudulent charges on my Wells Fargo Credit Card ending in XXXX. The card is in my maiden name XXXX XXXX. Despite filing a police report and an FTC identity theft report, Wells Fargo claims the charges are 'valid ' which to me is defamation since it implies I falsely claimed the charges were fraudulent I filed a fraudulent police report which is against the law. 

I did not make the charges nor did anyone I know including my authorized user at the time ( XXXX XXXX ) make the charges. She is my daughter-in-law ad we have been estranged since XXXX. I have had no contact with her since then nor have I given her physical possession of the credit card. I am not at all aware of who made these charges
Consumer complaint received 2024-04-12
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)

I am writing to urgently follow up on the ongoing dispute concerning negative items on my credit report. I am deeply disappointed by the level of incompetence displayed by your department and the inadequate service provided in ensuring fair and accurate reporting for consumers like myself. Despite my repeated efforts to address these issues, there has been a significant delay and lack of satisfactory resolution.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. * XXXX  is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2024-02-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

I have filed multiple complaints with student aid. Gov. Talked to the servicer ( ECSI ) and the school ( XXXX ). I have now been paying on a loan for two over two years and no payments have reported to my credit report. I didnt notice until about a year later and Ive been dealing with this ever since then. it took me months to even get the serviced to look at the issue because they thought I was wrong and to get the school to and then when they did they research they found out that I was right they said that the issue would be fixed by now and that all missing payments, and the loan would be applied to my credit report, but that has not been done yet, which they guarantee that it would be. I have talked with multiple people at the school I have filed a complaint with thestudentaid gov website and there is still no solution to the problem at all I am still paying on a loan that has not reported to my credit not one time.
Consumer complaint received 2024-04-12
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (TX)

I am attempting a short sale for my home at XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX throught Village Capital LLC. An interior appraisal has been ordered but, we have not received a phone call from the appraiser for access information. I am submitting this complaint against Village Capital due to the lack of response.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

I was in contact with the company. They offered a payment plan ( via their app ). Make three ( 3 ) payments of a certain amount, and the debt would be considered paid. I accepted that plan & made the first payment. I made the second payment on time as well. When it came time to make the third payment. They tell me that there was no payment arrangement and that I have to make an additional payment. 

Also, the account was closed ( at or around {$1000.00} ), the amount owed continued to increase aftwards. It is now at {$1400.00}
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the XXXX  months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been XXXX weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section XXXX of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX. 

On or around XX/XX/XXXX - XX/XX/XXXX my credit report was updated and the negative rating was removed. However, on XX/XX/XXXX the negative report was reported again against my credit. 
Even though this should have never occurred. It has dropped my credit score significantly even after I satisfied all requirements for the forbearance and provided the completed partial claims documentation ; which show they were delivered on XX/XX/XXXX @ XXXX XXXX  tracking XXXX. 

At this point- I think it may be in my best interest to seek legal counsel/advice as I believe this company is operating under deceptive practices and causing consumers unnecessary harm and hardships.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (NY)

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-12
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.