davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AR Resources, Inc. (AL)

I am writing to complaint to XXXX XXXX XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (MO)

Initially requested a recast of my mortgage on XXXX. I was asked to wire funds on XXXX XXXX. I was given an expectation of XXXX days to complete the process. I continually contacted the company by phone and email requesting status of completion, as I knew my mortgage payment would decrease once recast was processed. I was told still in processing and reminded of XXXX days as late as XXXX. I was frustrated knowing we were beyond XXXX days. They were withdrawing payment until XXXX payment and I called to inquire why the automatic transfer stopped. It took until the end of XXXX to get response that since a recast in process they'd no longer be able to accept payment through automatic payment from my institution and I'd need to pay directly to company. I immediately paid my XXXX and XXXX payment. I was assured no late payment would be reported. Not until I contacted original lender for assistance in getting resolved as determined they had in fact processed my recast as a loan modification and had reported late payments to the credit agencies which negatively impacted my exceptional credit rating by XXXX points which resulted in decrease of credit status to good. While they " fixed '' the rating they still have reflected my payments as late.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (CT)

My bank account closed due to negligent funds. I repaid the debt in full. The bank manager gave the authority for me to open another account with the bank. When doing so, I was still in the system, XXXX XXXX and early warnings, and my credit reports of owing XXXX XXXX XXXX XXXX the funds that i had paid off. I was denied a bank account.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TX)

My account with FRD MOTOR CR was never late! I have had exceptional payment history witH FRD MOTOR CR and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience 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/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WI)

Wednesday XX/XX/2024, I received a text from my bank requesting verification of an out of state charge. I replied the charge was fraudulent. Then I received a call. The caller claimed to be a Chime Bank representative ( my bank ) and wanted to help me prevent the charges that were trying to be applied to my account. 

I was dubious at first because I didn't know the number. So the caller told me to verify the number they were calling from as matching the customer assistance help number on the back of my bank card. I checked, and the numbers matched completely. So I followed the instructions as they walked me through how to prevent the fraudulent charges from happening. They had me move money so they could verify with me that my banking app was working correctly. That led to my money being stolen. 

As soon as I realized I was scammed and broke, I called my bank again and reported it. Not more than fifteen minutes after the scam call. The bank said they would file a dispute and it could take as long as 4 to 6 business days for them to decide if there was a problem. 

At XXXX on Wednesday XX/XX/XXXX, Chime sent me an email saying that they were not at fault and had no obligation to resolve any issues leaving me completely broke and without a hope of getting several XXXX dollars back.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

this is a formal complaint against MIDLANDCRE Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : MIDLANDCRE Account # XXXX * Account Number : XXXX Nature of Complaint : 1. Lack of Written Notification : MIDLANDCRE Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

2. No Contract or Business Relationship : I have never engaged in any business with MIDLANDCRE Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 
3. Inaccurate Reporting : The account information reported by MIDLANDCRE Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 
4. Unauthorized Credit Report Entry : MIDLANDCRE Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of MIDLANDCRE Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Received a settlement for 50 % of the debt on XXXX XXXX,2024 for the amount of {$150.00}. Made payment via link provided in email and was charged a service fee making the total amount paid to National Credit Systems , Inc {$150.00}. That payment cleared my checking account on XXXX XXXX2024. National Credit Systems , Inc. refuses to report to the credit bureaus that the account has been settled and that {$0.00} is owed to them. Disputed account in XX/XX/year>2024 and they increased the balance being reported by {$1.00}, making the amount owed {$150.00}. Disputed with supporting documents in XX/XX/year>2024 and National Credit Systems , Inc reported balanced owed {$150.00}. They are not honoring the solution to settle the account sent and accepted on XXXX XXXX,2024.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I formally dispute an account listed on my credit report by MIDLAND CRED Account # XXXX. The account details are as follows : Account Name : MIDLAND CRED Account # XXXX I have never engaged in any business with MIDLAND CRED Account # XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " 1 month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with MIDLAND CRED Account # XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with MIDLAND CRED Account # XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/year> notified by Bank of America that our credit card was locked They couldnt open the account sticking by only a phone number to verify who I am. 
Despite, that I have all the transactions and amount owed. Very robotic replies, Sending me around and around. Just could not help us. 
The card remains locked. We informed them we were in business for several months in XXXX where there is XXXX branch XXXX miles away, they kept telling we had to go there to show ID. What? And kept repeating and repeating themselves. 
We were directed to the mobile app that fraud supervisor stated would clear the card. 
All the app virtual assistant did is tell me to call the bank again. 
The only way to get the card operating is to fly to a bank location. That seems a bit too much and abusive. The XXXX people we spoke with seemed clueless and confused. Often they were difficult to understand as they mumbled.
Consumer complaint received 2024-06-06
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: U.S. BANCORP (FL)

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run XXXX times over XXXX consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than XXXX times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit XXXX more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX - XXXX XXXX XXXX XXXX US Bank 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 XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Consumer complaint received 2024-06-06
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: TD BANK US HOLDING COMPANY (FL)

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive 1.5 hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with PORTFOLIO RECOV ASSOC. I do not have a contract with PORTFOLIO RECOV ASSOC. They did not provide me with the original contract as requested.
Consumer complaint received 2024-08-13
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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: Early Warning Services, LLC (FL)

I am writing to formally dispute inaccurate information that is being reported by Early Warning Systems in my consumer file. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information and have the right to be notified when such information is being furnished or used. 

**Details of the Dispute : ** - **Account Number/Reference : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXAccount Number/Reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXXAccount Number/Reference XXXX XXXX XXXX XXXX XXXX - XXXXAccount Number/Reference : **. XXXX XXXXXXXX XXXX XXXX  Upon reviewing my consumer report, I found that the above-mentioned information is incorrect. The details provided are either outdated, incorrect, or completely irrelevant to my financial history. Furthermore, I was not given any prior notice or opportunity to dispute this information before it was furnished or used, which constitutes a violation of the FCRA. 

**Violations of the FCRA : ** 1. **Failure to Provide Notice of Furnishing Negative Information : ** According to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify the consumer of any negative information that is being reported to a consumer reporting agency within 30 days. I did not receive any such notification regarding the information in dispute. 

2. **Failure to Conduct a Reasonable Reinvestigation : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute from a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that no such reasonable reinvestigation was conducted concerning my dispute.

3. **Reporting Inaccurate Information : ** The FCRA, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), mandates that furnishers of information must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The information being reported in my file is demonstrably inaccurate. 

4. **Failure to Disclose Information : ** According to 15 U.S.C. 1681g ( a ), I have the right to be informed of all information being reported about me. The failure to provide complete and accurate disclosure of the information constitutes a violation of this section.
Consumer complaint received 2023-06-05
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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