davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (VA)

I am writing to address a matter pertaining to my consumer rights and the instructions provided by the Fair Credit Reporting Act ( FCRA ) regarding permissible purpose. I want to clarify that I have never obtained a court order and that the instructions I provided were meant for the consumer reporting agencies, not for legal purposes. Additionally, I am requesting the deletion or removal of all derogatory findings furnished on my consumer reporting report. 

While understanding the FCRA provisions, specifically 15 USC 1681b, I acknowledge that it outlines the permissible purposes for which consumer reporting agencies can provide consumer reports. I want to clarify that my instructions were not intended to claim a court order as a permissible purpose. Instead, they were specific guidelines for the consumer reporting agencies regarding the handling of my credit information. 

In my previous written instructions to the consumer reporting agencies, I explicitly demanded that they take the following actions : Deletion/Removal of Derogatory Findings : I requested that the consumer reporting agencies delete or remove all derogatory findings that are currently being furnished on my consumer reporting report. These findings are causing negative consequences for me, and I believe they are inaccurate or unfairly affecting my creditworthiness. 
Utilization Limitation : I instructed the consumer reporting agencies to ensure that all credit utilization on my report is maintained at 3 % or below. This utilization rate is a critical factor in determining creditworthiness, and I wanted to ensure that it accurately reflects my financial responsibility. 
Pre-Notification of New Inquiries : I asked the consumer reporting agencies to contact me before furnishing any new inquiries on my report. By doing so, I intended to stay informed about any inquiries made into my credit history and have the opportunity to verify and authorize them. 
I would like to emphasize that my instructions were meant solely for the consumer reporting agencies to follow in order to improve the accuracy and fairness of the information they report. I understand that 15 USC 1681b ( 3 ) specifically pertains to court orders and does not apply to my situation.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA (NJ)

Tenaglia & Hunt continue to push for a wage execution after we 1. Filed complaint with CFPB 2. Filed objections with court 3. Requested through Tenaglia website the name of original creditor and amount. 

Disputing the alleged balance and The original creditor and any wage execution. 
We have always been willing to make payments with the previous law firm but we never heard from them since XXXX & the XX/XX/XXXX letter is the first we ever heard of Tenagla & Hunt. We have reached out numerous times by phone only to receive a voicemail every time and never a return call. 

We just received Tenaglia & Hunt reply to the CFPB on XX/XX/XXXX and have today already left 2 more voicemails for XXXX XXXX at ext. XXXX to discuss the account in question and to offer to make agreed upon payments, which we have been provided no opportunity ever to todays date of XXXX XXXX & since our last offer back in XXXX, when we never heard back from XXXX or previous law firm. Also Tenaglia & Hunt had a transfer assign of attorney firms they provided from XX/XX/XXXX yet they say tried to contact us in XX/XX/XXXX which we did not receive any mailings or phone calls from them, as they by their own timeline were not the attorney we were ever aware of that time XX/XX/XXXX. 

We feel strongly that we are being badly mistreated. Do not understand how a wage execution has been in the works when no one from any law firm has spoken with us, although we have tried numerous times since XXXX and even made good faith payment offers. Which also makes no sense to us, how this popped up on XXXX and now we are given no reasonable amount of time to rectify or come to an agreement between parties. We are willing to make payments, always have been, just as long as the amount in question is correct. But we need to speak to XXXX XXXX as we were directed to do by Tenaglia & Hunt on XX/XX/XXXX. 

Why would they not want payment over a wage garnishment execution. This feels like nothing but intimidation tactics and harassment to embarrass. We would like CFPB to request Tenaglia & Hunt to contact us so we can make payments directly, as always.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per XXXX XXXX, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (AR)

Reviewing my account online I noticed XXXX unauthorized charges totally almost {$2000.00} and timely reported to Arvest bank. They denied because I also noted a subscription charge not authorized which they alleged was not a timely reporting. So they eliminated the untimely {$30.00} subscription charge and denied the almost {$2000.00} in timely reported unauthorized fraudulent charges. I am the cliche old person on social security and small state pension. This {$2000.00} in charges equals about 5 % or my annual income so it is not insignificant. I do not understand the denial. Went into bank office and got no clear answers. How can I get review by bank and clear reason for their denial and what recourse I have.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-04-27
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. (CA)

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

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MI)

Opened the high-yield savings account online with Citi. I was unhappy with the customer service on the account so I wanted to close my account. I attempted 3 times to transfer my funds electronically, each time I received an error code XXXX and my access to transfer funds was blocked. I called XXXX  times to have this corrected and was told each time it was corrected. It was not. I have gotten the run around and no one can tell me why I do not have access to my funds. I was told to go to an ATM to access my funds. I've also been told I can not close my account due to the security alert. 
I have no access to my funds and I can not close the account either. I've been denied speaking to a supervisor as well.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-02-13
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: General Motors Financial Company, Inc. (FL)

My Name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a car from XXXX XXXX, identified as vehicle number XXXX, financed through Americredit Financial Services Inc. loan number : XXXX. The loan was for 6 years which would have completed cycle in XX/XX/XXXX ; however, during the year of XXXX, XXXX XXXX XXXX Florida, which is where I resided, went through two hurricanes as a consequence three payment were allowed to be placed at the end of the loan term. 

In XX/XX/XXXX I left the USA and moved to XXXX, leaving my then Husband in his care our home and car which had the 3 payments to complete. 

In XXXX AmeriCredit Financial Services Inc. issued me a 1099-C Cancellation of Debt which was mailed to my home in XXXX XXXX XXXXXXXX Florida . I was required to file taxes with the amount showing on the 1099-C of {$990.00} as income. This represented the 3 payments that were put to the end of the loan were never paid by my then husband which resulted in the issuance of the 1099-C for the three missed payment. 

On XX/XX/XXXX, I went to DMV and tried to get the title for the car, as it has been sitting for years and I wanted to start using it. To my dismay, the lien is still showing and upon my call to now General Motors Finance, they will not release the title until I pay an amount of {$1100.00}, which they claim is what is owed on the vehicle. I explained to the customer service representative and to the supervisor XXXX XXXX, at ( XXXX ) XXXX, that I received this 1099-C and if they wanted the funds they were going to have to rescind the 1099-C issued, and that would required that both of us do a 1040 Amendment to the taxes for the amount I reported as income and the taxes they reported as payment. The main issue is that the 1099-C was issued in XXXX and I did my XXXX taxes with this amount as income. I can not at this point correct my taxes from 11 years ago. 

I have tried daily, weekly to speak to a manager or someone that can help to no avail. Meanwhile, I am unable to resolve this issue. I have also asked for the payment history to be mailed to me to show me where the difference is coming from. My payments were of XXXX XXXX monthly... So I do not know how they state that apart from the {$990.00} they claimed were issued to me as a 1099-C that I owe an additional {$1100.00}, this would mean that I was 6 months past due, which is not accurate. 

I need help resolving the title issue and determining if I do owe, that they provide payment history to show how the amount is arrived ... and if the {$990.00} is part of it ... they can not double collect on it.. one through a 1099-C and the second with me sending them the payment they are asking to release title. 

I plan to send copy of this complaint to the Federal Trade Commissioners Office, State Attorney and to the IRS. 

I can be reached at ( XXXX ) XXXX. Title can be shipped to XXXX XXXX XXXX XXXX, XXXX FLXXXX 

Thank you
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

dear Sirs for the past 3 months capital one / XXXX XXXX  cabelas have NOT mailed me a paper statement, in addition yo that issue i have charged $ $ late fees and interest on my account i have politely requested PAPER STATEMENTS to HELP me reconcile my balances with cap XXXX master card, i do NOT do portals and auto pays, all i wish for is to recieve paper statment each month and let me pay off my monthly balance as i have done for MANY MANY YEARS!! 
i pay my bills gentlemen, mail me a bill i PAY it, simple ok i have recieved texts and XXXX mails explaining my past due payments along with excessive fees 2 follow i also had a dispute in XXXX and XX/XX/year> for credits due to my acc. 
i am thankful Cap 1 MAILED me copies of their procedure, but never did get statements for past 3 to 4 months PLEASE HELP ME SOME ONE, to get issues resolved as they used to be, which was a smooth process for paying my cap one balances thank you for your effots and time, XXXX XXXX XXXX me
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (GA)

PHH IS CHARGING OUTRAGEOUS FEES FOR AN ALLEGED ESESCROW SHORTAGE. I NEVER EXPERIENCED A PERIOD WITHOUT HOMEOWNERS INSURANCE. I HAVE XXXX XXXX XXXX WITH OUT LAPS IN COVERAGE. I AM XXXX XXXX AND A 100 % XXXX  XXXX XXXX XXXX  .I AM 100 % EXEMPT FROM PAYING PROPERTY TAXES. PHH IS STILL PROJECTING {$940.00} AS WELL AS INSURANCE PAYMENTS OF {$2300.00}. 

CURRENT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-20
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. (FL)

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.

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 2022-10-17
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: GOLDMAN SACHS BANK USA (SC)

Took credit for refunded item away after investigation. Payment was never returned to my account. Also, {$1700.00} was added to balance and the bank can not tell me what the charge is for. A total of {$4400.00} is the amount disputed and has not been reconciled for the last four months.
Consumer complaint received 2024-05-19
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. (TX)

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.
Consumer complaint received 2024-04-27
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)

I called the reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. By law to contact third parties with my private or personal information. Offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Consumer complaint received 2024-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-19
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX account was opened in XX/XX/year>. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, XXXX. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/year>. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was XXXX.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.