davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened to bank account for my companies. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. They gave me a debt card and then closed my account without any warning. And now trying up our company funds over {$3500.00}
Consumer complaint received 2018-09-14
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)

Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2024-04-03
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. (GA)

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 2023-08-25
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. (NY)

In accordance to the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (NC)

The Company is USA auto Car dealership servicing financing buy here pay here dealership XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company closed boarded up seven months after financing a vehicle with them. i went there because my car was not running or working like it should it would only go up to 40 miles an hour. I was told when any of the cars where in need of repait that I was to take to any XXXX XXXX they would repair and honor my warranty. I did go to XXXX  and they informed me they would no longer honer US auto because there agreement turned out to be fraudelent with them as well. 2. next took my vehicle to a depended mechanic i always go to XXXX XXXX XXXX XXXX XXXX NC XXXX the car for them to see what was going on with my car, when i picked it up thye said they would not simply even touch the vehicle it seem to be the engine was bad along with some very serious electrical problems he would not touch it it was so bad. I will give you alist of of issues i found from the beginning to finance this car. XXXX the vehicle is XXXXXXXX XXXX XXXXXXXX it had XXXX mile when finaced asing price was {$24.00} dollars the downpayment in two parts was {$1400.00} to pay the vehicle off in full somehow became {$40.00} after i really dig downed and looked hindsight after i was not getting the monetary credit of my XXXX payments each month 2.In the the time i had the car I had to pay 3 different finace companies without notice the finace companies were changing, thay were Us auto financing, XXXX XXXX when my problem began, lastly car repossed by westlake finacing to when i inquired found out they were not a fince company but credit collection agency who ask me for full price of the car threatened to repossess the vehicle, many letters from them, as of a week ago theydid take vehicle at XXXX in the morning never knocked took my dmv tags with them which have reported my tags lost stole. i want remedy ihave had pain and suffering XXXX XXXX XXXX XXXX XXXX  XXXX for over 25 years XXXX  on XXXX  I used that car to get back in forward to treatment until I could not no more. You will ask did I not pay my payments any more after no warranty, I was not able to find who I was paying my money to, I was not given monetary full credit for the payments I did make, and yes I would not continue to throw my money in the air like that, My last payment to these XXXX XXXX was XX/XX/XXXX i believe. so i just want answers and remedy.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : 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
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

The letters are stated with items and issues. 

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 2023-04-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2024-04-03
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. (IL)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to XXXX5 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NY)

I am a victim of Identity theft, I have submitted a report to Experian multiple times and haven't recieved any correspondence. My identity was stolen from a family friend and ex employee of mind who stole my identity to open up a fraudulent loan under my name from XXXX XXXX XXXX. I did file charges against him at the time but the XXXX  charged him with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX against me and my family he is now serving XXXX to life for his crimes. This is not my account and should be removed right away. I am attaching an FTC report, my license, and a judges order.
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (FL)

My son has a car loan with CARMAX. He's been in the hospital for the past several weeks and has fallen behind by XXXX days on his payments. Despite being in the XXXX XXXX XXXX together with my help we've managed to make some sort of payment toward the account. We've asked several times if we could defer the payment of the load by XXXX or XXXX payments long enough for him to get caught up. His problem is not financial, it's the fact he can't physically make the full payment on the account due to him being in the hospital and I can't make the full payment on his behalf because I am on a fixed income due to retirement. I have tries going into the local dealership where he purchased the vehicle with his debit card to make a payment, however, even with his verbal authorization o over the phone and written authorization the dealership has refused to allow me to make his payment on his behalf using my son 's debit card. I've tried to make payments over the phone, yet I run into the same problem. Everyone says how eager they are to help, yet we've gotten no help at all with this problem. His attorney has even written the company, yet no one has reached out to us. I've asked several times to discuss this with a manage, over the phone, however, no XXXX ever seems to be available. We're just asking for a XXXX or XXXX  day deferment. Long enough for us to catch the account up. Right now it remains XXXX days past due and is only accumulating late fees ever month as a result and a negative mark against my son 's credit. We just need to speak to someone about this.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Dispute With XXXX XXXX XXXX  Regarding Account of XXXX XXXX - Account Ending in XXXX I am writing to bring forth a matter of utmost concern with regard to the credit reporting practices enacted by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX  has engaged in the dissemination of inaccurate information on my credit profile. Specifically, I have been subjected to unwarranted fees associated with an account that had, in fact, been rectified to possess a XXXX balance. 

Subsequent to extensive discussions held with various representatives of XXXX XXXX XXXX, a definitive chronology of events surrounding the adjustment of the aforementioned account has been established. On XX/XX/XXXX, an imposition of a late fee in the sum of {$28.00}, coupled with an annual fee amounting to {$39.00}, was duly recorded. It is worth noting that the erroneously applied late fee was expunged on XX/XX/XXXX. Further, on XX/XX/XXXX, the annual fee of {$39.00} was duly rescinded, resulting in the restoration of a balanced state amounting to XXXX. 

However, I have ascertained that XXXX XXXX XXXX XXXX automated system, in an unwitting capacity, erroneously generated late charges on both XX/XX/XXXX and XX/XX/XXXX, concurrently with the imposition of ancillary fees that were neither warranted nor intended. This unsettling development prompted me to directly engage with the company. I am pleased to acknowledge the company 's acknowledgment of the error and subsequent issuance of credits on XX/XX/XXXX ( {$39.00} ), XX/XX/XXXX ( {$39.00} ), and XX/XX/XXXX ( {$30.00} ), thereby reinstating the balance to a total of XXXX. It is imperative to underscore that as of XX/XX/XXXX, the account remains devoid of any lingering obligations. 

My discourse with representatives of XXXX XXXX XXXX has yielded verbal acknowledgment of an inherent flaw within their system. However, in recognition of the potential for misrepresentation within credit reporting, coupled with the associated legal ramifications, the bank finds itself constrained from overtly articulating this acknowledgment within written correspondence. As a result, the bank intends to issue XXXX ostensibly ambiguous letters. The initial communication will merely indicate the present equilibrium of the account, while deliberately abstaining from delving into specifics surrounding the credit adjustments. The subsequent communication will serve to inform me, as a matter of courteous communication, of the bank 's proactive endeavors to rectify the situation through correspondence with credit reporting agencies. Importantly, these communications shall meticulously refrain from making any allusion to the erroneous attribution of belated payments within my credit record, or any indications of the bank 's culpability in the matter.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX has continued to list the account with the credit reporting agencies when it had been deleted multiple times and reinserted which is a direct violation of 15 USC 1681i B requirements relating to reinsertion of previously deleted material unless confirmed by the consumer which is invalid. Please delete duplicative reporting that is causing harm to my financial reputation. These reinsertion is violating code of federal regulations FDIC regulations and compliance.
Consumer complaint received 2024-06-08
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. (LA)

After recently reviewing my latest consumer report from TransUnion, I noticed a total of 7 accounts that are still reported inaccurately even after they had been disputed numerous times. 

These existing accounts are out of compliance with the Fair Credit Reporting Act because they should be 100 percent accurate.

TransUnion is liable for each inaccurate account because during each dispute for the listed accounts, the agency was responsible for ensuring each account reported completely accurate per 15 USC 1681e ( b ) of the FCRA and that the furnisher of each account provided them the correct information so that the account could report accurately per 15 USC 1681s-2 ( 2 ). 

There are currently blatant inaccuracies which I have already disputed to no avail even after providing supportive documentation for each account. 

There is a possibility that I am dealing with a one-sided dispute process because TransUnion has only received unreliable information from the creditors. 
Over the course of XX/XX/2024 up until now I have disputed the accounts to no avail, The very same inaccuracies persist in the accounts. Nothing has been resolved, the accounts are unverifiable, incomplete and reported inaccurately.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

I recently came across an account reported by a collections agent XXXX XXXX account number unknown reporting an inaccurate balance for the end of a lease contract. The creditor has added inaccurate charges and states that I have an account balance. This companies practices to withhold deposits anc claim fraudulent balances after the end of the rental contract. 
I am unaware of any damages to the property after the walk through at the end of the lease and I do not owe any outstanding debts. 
I do not agree with the balance reported as owed and I am fighting these fraudulently added charges that are reporting on my 3 bureau reports and I ask for the assistance of the CFPB with accessing documents from this company to include all the disclosure and complete accounting record of alleged debt ; agreement with your client that grants you the authority to collect on this alleged debt ; any insurance claims that has been made by anyb creditor rgarding this account ; date that this alleged debt became payable ; this. I ask that the company provide proof of non payment and images of the damages pertaining to the leased unit. Please be warned XXXX XXXX that failure to provide proof of your claim required to enable me to continue and to complete this dispute my next step will be to file this complaint in my county courts for : 1. defarmation 2. negligent enablement of Identity Fraud 3.  Violation of the Fair Debt Collections Practices Act Iincluding but not limited to section 807-8 4. Violation of the Fair Credit Reporting Act including but limited to section 623-b
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MO)

Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against NCB Management Services for their egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempts to collect a debt from me. 

Account Information : Account Number : XXXX Amount : {$910.00} Collection Agency : NCB Management Services Violations : - Failure to validate debt : Despite my two certified dispute letters, NCB Management Services has failed to provide any documentation to validate the debt. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Inaccurate credit reporting : The company has reported the debt to my credit report without verifying its accuracy. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved - Remove the inaccurate information from my credit report However, they have failed to respond or take any action to resolve this matter. 

I believe that NCB Management Services ' actions are in violation of the FDCPA and FCRA, and request that the CFPB take appropriate action to hold them accountable. I have already filed complaints with the XXXX and will pursue legal action if necessary. 

Sincerely, XXXX XXXX