davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (CA)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which I recently discovered while reviewing my credit history. The account in question does not belong to me, and I request that it be thoroughly investigated and removed from my credit report as soon as possible. The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX XXXXXXXX I request that you investigate this matter promptly and initiate the necessary steps to verify the fraudulent nature of this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report, and I expect that the credit bureau will adhere to the law 's requirements for a timely resolution. If you find that the account is indeed fraudulent, I expect it to be removed from my credit report, and I request that you provide me with an updated copy of my credit report reflecting this change.
Consumer complaint received 2024-05-11
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. (OH)

In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations XXXX Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT
Consumer complaint received 2019-05-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (SC)

I took a lone in XX/XX/2018 from Bridge Lending Solutions. The interest rate was huge and I later learned they were an illegal lender. I have asked for validation of the debt and to settle for the principal amount of the loan. I believe it was for approximately {$500.00}, however they will not validate. 
Bridge Lending Solutions sold the debt to XXXX XXXX. XXXX called my sister in law pretending to be an attorneys office and told her I was in danger of being arrested due to a debt that I owed. I called them immediately, and while I could tell they were impersonating an attorney 's office, I did set up payment arrangements on the account. I still have not received the written verification that I requested. 
I called due to needing to reschedule my payment and spoke with a representative who was very rude. She would not cancel my payment as requested but did reduce it temporarily for XXXX payment. She threatened that if I did not make the agreed upon payment they would take me to court. She said they would garnish my wages, but I told her that was illegal in SC. She then said they would get a judgement that was worth over 3-4 times the amount owed. I again told her this was illegal and that I wanted to speak with her supervisor. She told me she did not have a supervisor. 
I asked for the full company name and all she would tell me is XXXX. I asked for the address, and she refused to give it to me. Which, I again told her was illegal. All she would give me was an email address : XXXX XXXX
Consumer complaint received 2024-05-10
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (OH)

After executing the Contract Agreement ( XXXXXXXX XXXX ), I found that Ohio Revised Code limits APR on such loans. My agreement was for 96.85 % APR ( which felonious usury per ORC XXXX ), and requested that the company comply with the maximum interest rate allowable in Ohio per ORC 1321.13, and apply such excess usury interest payments applied to my principal per ORC 1343.04. Westlake Financial, dba Wilshire Consumer Credit, has refused to comply with any request for compliance with the ORC and I am now requesting that the Agreement be Null and Void ( per ORC 1312.02 ).
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Due to the fact I have a rewards card with navy federal to extend my credit, navy federal gave me an installment payment instead XXXX  Navy Federal only extends my credits for {$4500.00}, if am approved why not extend for the Maximum amount? Navy Federal has restricted my trade. My deposit of {$4600.00} on XX/XX/2023, deposited into my Navy federal account. Navy Federal without notice or my permission withdraw {$3800.00} out of my account. When I contact Navy Federal, stated the money for the money I own for the credit card. The card was charged off. Also, Navy federal sent my information to all three credits reporting agencies. XXXX, XXXX and XXXX without my knowledge or consent.
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

To whom it may concern, This is a letter to inform you of the practice of Well Fargo Dealer Services. On XX/XX/2012, I took out a loan for a vehicle for {$9800.00}. The loan was for 48 months. However, I paid off the loan before the due date. 

This year, I received a letter dated XXXX XXXX from Wells Fargo Dealer Services with a check attached in the amount of {$200.00}, stating that they gave me a higher interest rate than it should have been. The difference was 1.016 % higher. 

I did not receive any calculations or methodologies for how they calculated the new rate to determine if this is the correct amount. 

I would greatly appreciate it if you can help determine if this is sufficient and if there are any other fines or penalties that should be added due to their negligence. 

Most importantly, I just wanted to make this issue made aware of to your department for investigation and/or follow-ups. 

Thank you in advance for your assistance.
Consumer complaint received 2024-05-10
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-14
Product: Credit 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: AMERICAN EXPRESS COMPANY (TX)

I have not received purchased merchendise from the company " XXXX '' and disputed the charge ( dispute XXXX ). Amex sided with the merchant twice when the merchant only provided a blurry printout of a tracking number which didn't reach my house ( either it was a fake tracking number or it was stolen by the carrier ). I can't launch an internal carrier investigation since I'm not the shipper, only XXXX can do that but their support refused to help me. 
I provided a police report stating I haven't received anything but Amex still sent me the same denial with the exact same response from the merchant. I think they didn't read any appeals and just sided with the merchant by default. This company " XXXX '' is known for it's fraudulent practices of failing to fullfill orders and it's customer support is nonexistent so I don't understand Amex 's insistence to protect them. My police report can be viewed by visiting the XXXX County Sheriffs Office website below and entering my personal details ( XXXX XXXX, XXXX, XXXX XX/XX/1990 ) https : XXXX? XXXX
Consumer complaint received 2019-05-06
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 (TX)

In XX/XX/2019, I purchased the a computer from XXXX, and they kept on delaying their shipping, due to numerous excuses, such as weather condition. After a long-time waiting, they suddenly claimed that they had delivered the package for me, although I did not receive any shipping information email from them. Since I never received any package, I had been contacting XXXX and the carrier for over 4 times, and all I got was they were trying to push the responsibility to each other. Then I disputed this transaction with my card issuer, and they called me on XX/XX/2019, indicating that they had received important information regarding to my dispute from XXXX, which was nothing but simply the delivery confirmation of my package, as the one I got from XXXX and the carrier before, and closed my case according, with nothing else they can do. Apparently, such result is totally unfair and unacceptable : 1. XXXX could simple send an empty package with a brick in, and claimed that it had been delivered.

2. I did not sign my package. According to the signature, it was signed by somebody else, but not me.

3. If the package was lost, it should be the seller, XXXX who need to take the responsibility to negotiate with their contacted carrier about the loss or their insurance company if they do have extra one otherwise.
Consumer complaint received 2023-09-16
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. (MI)

15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished of my consumer report as they are in VIOLATION Under. 15 U.S Code 1681b - Permissible purposes of consumer reports ( A ) In General to subsection ( ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the WRITTEN Instruction of the consumer to whom it relates. I NEVER gave any consumer reporting Agency WRITTEN CONSENT to report anything on my consumer credit report which is violation of my rights as a federal protected consumer. NO CONSENT IS IDENTIFY Theft and I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (AZ)

In the XXXX  of XXXX, I received a letter Stating it was from XXXX and that I owed the company " {$5000.00} ''. I called the number on the letter, and it directed me to a third-party number, not XXXX. I didn't pay the requested amount since there was no itemized list of the charge and why I'm asked to pay this notice. I called XXXX XXXX and they had no record of " overpaying wages '' so I left it alone. 

In the XXXX  of XXXX, I received another letter from a debt collection company XXXX XXXX that I owe {$6100.00}. I called their number and got ahold of a representative stating my case and asking for an itemized list of the charges and that I don't why I'm being put into collections. The representative couldn't give me an answer and said to contact XXXX for more information which I had already done and that the amount was different from the original mail I received. I asked you to dispute these charges and send me proof of debt before I pay off any amount on this account. 

No word from the collection company since XXXX of XXXX and I see that it has hit my credit score as a disputed collection account. I contacted them on XX/XX/XXXX. No answer from the number but I left a voice message with my contact info XXXX. The same day that afternoon I called a different number on their website XXXX and spoke to a representative stating I wanted proof of debt for this account before I paid it off and she said she would email to me within 24-48 hours. 48 Hours have passed and when I contact both numbers it disconnects me stating it's not available and I can't leave a voice message. 

No proof of debt has been provided over the 18 or so months since I was first mailed.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (MD)

Subject : Formal Complaint Against Possible Finance , Inc. for Violation of Texas Finance Code and Inaccurate Credit Reporting.

I am writing to file a formal complaint against Possible Finance , Inc. for potential violations of the Texas Finance Code, specifically Chapter 392 related to debt collection and the surety bond requirement as outlined in Section 392.101. Additionally, I would like to address the specific inaccuracies in the credit reporting practices by Possible Finance , Inc. on my XXXX credit reports.

According to Section 392.101 of the Texas Finance Code, a third-party debt collector or credit bureau is prohibited from engaging in debt collection activities unless they have obtained a surety bond issued by a surety company authorized to do business in the state. The bond must be in favor of any person who is damaged by a violation of the chapter and the state for the benefit of any person who is damaged by a violation of the chapter. Furthermore, the bond must be in the amount of {$10000.00}.

I demand that Possible Finance , Inc. provide proof of the surety bond required by Section 392.101 of the Texas Finance Code to collect on this debt and report this account to the credit bureaus. Additionally, I demand that this account be deleted for inaccurate reporting. The following specific inaccuracies are present in the credit reporting by Possible Finance , Inc. on my XXXX credit reports : The payment status of the account is showing as 30 days late, despite the payment history from XX/XX/year> to XX/XX/year> indicating that the account was never late. ( See attached documents ) These inaccuracies are damaging my credit score and financial reputation, and I request immediate correction and deletion of this inaccurate information.

Furthermore, I believe that Possible Finance , Inc. and XXXX may be violating several federal laws by continuing to report conflicting and inaccurate information on this account after it has been disputed. These potential violations may include but are not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I urge the Consumer Financial Protection Bureau to investigate Possible Finance , Inc. and XXXX for potential violations of federal laws and inaccurate credit reporting practices. I request that appropriate enforcement actions be taken to rectify the situation and protect consumers ' rights. Despite multiple disputes raised with XXXX and Possible Finance , Inc., the inaccuracies persist, highlighting the urgent need for corrective action and accountability in accordance with consumer protection regulations.

I have attached relevant documents and information to support my complaint. Please feel free to contact me if you require any further details.

Thank you for your attention to this matter.
Consumer complaint received 2023-10-25
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)

This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and Experian and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.