davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WY)

I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous two attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-11-28
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. (MD)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-05-22
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: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have been trying to understand why Portfolio Recovery Associates is reporting on my credit reports. Over the last 6 months, I have been disputing with the credit bureaus and have also sent debt validation requests to Portfolio Recovery but nothing has changed. The only thing they ever send is a letter stating that they found the account to be valid and copies of various billing statements. I requested that Portfolio Recovery provide a signed contract or credit application, amount owed, how much they paid the original creditor for the debt, etc but all they keep sending is a bunch of bills. I'm not admitting or accepting responsibility for the debt, but I do not recall opening a credit card with XXXX or Portfolio Recovery. This complaint is being filed to request that PRA provide appropriate documentation proving that the debt belongs to me or immediately delete this account from my XXXX, XXXX, and XXXX reports PERMANENTLY and not sell the alleged debt to anyone else.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I am receiving numerous calls requesting payment. On XX/XX/2024 I stated XXXX who was the caller that for me to feel comfortable making any payment I would need an itemized list showing charges to validate the charges are those of mine. I also requested the original creditors address. I have yet to receive this information. I am getting daily phone calls requesting payment and after trying to explain that I need more information before I make any payment. I now just hang up the phone. There are some days I get several calls throughout the day this is harassment on the collectors end. The notice I did receive in the mail had very vague information. Just the total amount owed, and name of the original creditors is listed. No address of og creditors not the itemized list of charges
Consumer complaint received 2023-11-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BTS Motors, LLC (TX)

XXXX was taken from me. That was my down payment for a XXXX XXXX XXXX. I confidentially submitting my information knowing that I was dealing with a used car lot that wouldnt sell me a lemon. However, I bought the car on Saturday XX/XX/XXXX and by XX/XX/XXXX I was driving for groceries and an oil pressure light came on telling me to immediately stop the car. This car had been driven for less than XXXX miles. It was used solely to take my daughter to school and pick her up from daycare which is a total of XXXX miles XXXX daily. I work from home so I instantly drove home daily. This was very upsetting to me because I had just spent all of my money on this car because I have to take my daughter to school daily since the bus doesnt run to my apartment because we live less than XXXX miles away from the school. My car was then towed back to the shop and kept for around XXXX hours leaving me with no transportation to take my child to school. I got the car back on Friday XX/XX/XXXX and no one let me know that it was ready. I called multiple times to see when it would be complete. I was lied to once by the XXXX XXXX who let me know that my car payment would not come out of my bank account since the car was having problems. Not only that, before I left the car lot I was advised that I could set up monthly payments. After the car broke down I called to request my down payment back and XXXX informed me that I would have to wait until after the car was fixed to see if it was fixable and also that if it wasnt, they would just put me in a different car. Which is insane because I hated every other car that they had. It was either full of dog hairs or just extremely out of date. Friday morning low and behold.. the car payment was deducted from my account. XXXX also let me know that I would be able to schedule my payments monthly, I went up there and spoke to him face to face and watched his lips shake nervously as I questioned him about it. All he could say was you have to pay forward in order to pay monthly why would I pay ahead on a car that has broken down? That was also insane. I was also informed that I XXXX have to pay half of the price to fix the car when I called to check on it but there was absolutely no way I was going to do that. I was also informed that the toy company coming to get the car was technically supposed to come out of my bank account. This car lot is shady. As I sit here and type now, XXXX wondering if the car will continue to work or if they just bandaged it to make it last a few more months. XXXX hoping that this message reaches the right person and XXXX able to cancel this contract and get my down payment back. Its hard to live and stay sane knowing that XXXX dealing with a shady car lot and also knowing that my car could break down again any day. Its frustrating that car lots do people this way to get over on them.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (VA)

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS (VA)

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXXXXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (SC)

I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. 

Your assistance and investigation of this matter is greatly appreciated.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I called customer service and told them I was having issues with direct deposit and money being sent to my account using XXXX. The representative said my account was placed on hold pending address verification. I explained to the representative that should have not been an issue because I opened my account inside of a local branch and the banker did not ask for that information. I also informed her that the bank should have did address verification before they mailed out my debit card. She didn't respond to my statement. I also told her that I didn't receive any written document from the bank to ask me to verify my address or that my account would be put on hold because not verifying my address. I told the representative to send me an email with what I needed to do to unlock my account, but she didn't do it. I went to the branch where I opened my account and showed them my id and gave them the change of address letter from the post office. The banker said they need a lease, mortgage paper, or utility bill with my address. I told the banker that I am renting a room from someone and nothing is in my name. The banker then said that she would email compliance a copy of change of address paper, but they may refuse and could take up three days for them to respond. So as of today XX/XX/2024, I'm locked out of my bank account and I can't receive or withdraw funds. My job tried to deposit my paycheck, but the bank refused it due to pending verification of my address after they already mailed me my debit card and I received it with my pin. I showed the banker my debit card letting her that I received it at my current address and they said that is still not sufficient enough. Can you please help me get my account unlocked so I withdraw my funds and close my account.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (NJ)

On XX/XX/2024, I was asked to purchase services for a fitness program from XXXX XXXX XXXX through affirm pay, and was scammed. The affirm pay signed me up for a loan of {$3000.00} in 6 installments, and after signing up for the loan, I did not receive any fulfillment of services or any products that we promised to me. Affirm pay is now holding me personally liable for the loan for products/services not delivered nor provided.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (MO)

I obtained a personal loan with PNC Bank on XX/XX/XXXX form {$4500.00}, where I signed a consent form to have {$130.00} automatically deducted from my bank account on the XXXX of every month beginning on XX/XX/XXXX. There was supposed to be a 1 % decrease in my interest rate for having the automatic deduction, which has not occurred. The loan matured on XX/XX/XXXX. I received a slip of paper in the mail advising that my final payment was {$270.00}, stating that this would take the place of my automatic deduction. I contacted the bank and was transferred several times before reaching the loan dept. I was advised that my loan was past due and that's why the final payment was so large. The representative stated that there was payments missed in XXXX and XXXX of XXXX. I ask how was that possible when I have automatic deductions and my direct deposit from my employer never stopped coming into this account, and every other payment has been deducted with no issues and I was also notadvised that the past due amount was made current on XXXX could not explain what happened and transferred me to collections, collections advised me that my account was not past due and she could not see any missed payments. The XXXX in collections filed a complaint and I received a call from an escalations Rep for PNC bank, could not explain anything to me and kept telling me that he would get back to me with my concern. I had XXXX from the local branch call to offer other services and I advise him of the issue and he advised that he could get the late fees removed, to only discover that he couldn't have anything removed from the account, due to the loan dept involvement and the loan advised him to have me write in with my dispute, my local branch composed a letter on XX/XX/XXXX, which they also mailed on my behalf, since them I have had another Rep from the escalations office call me trying to bully me into making the final payment, now PNC bank has added an additional late fee and the balance is now approaching the 30 day past due XXXX and on XX/XX/XXXX, I had a person from PNC bank contact me about the outstanding balance. During this time period, I have been told that I must have called in to skip a payment, which is not true, in order to miss a payment the request has to be submitted in writing and a late fee would not have been accessed, I have been told that I lost my job, which is not true I have been employed with the same employer for over XXXX. As of today the % XXXX for having the automatic deductions has not been applied, the late fees have not been removed as promised and the interest is still accruing.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (GA)

I was given a noticse and summons about a charged that was charged off my credit inXXXX it was sold to another company who filed a summons on a old case that was charged off they did not give me the paperwork until XX/XX/XXXX they filed the paperwork on XX/XX/XXXX which did not give me the proper time to answer to the notice and summons
Consumer complaint received 2024-01-24
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: CITIBANK, N.A. (CA)

Fraudulent charges were made on my credit card in another country and the credit card company is not reversing the charges. Theyre holding me responsible for charges I did not make.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Subject : Complaint Against Discover Card Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Card Services regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by Discover Card Services in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose.

In 2023 during a financial crisis, I enrolled in a payment plan offered through the Discover Card Services app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay three months in advance. Despite Discover Card Services automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information.

Upon discovering this discrepancy, I contacted Discover Card Services multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit.

I find it unethical and irresponsible for Discover Card Services to establish a payment plan through an app without transparently disclosing the requirement to pay three months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan.

Transparency : Ensure that Discover Card Services provides clear and transparent information regarding the terms and potential credit impact of any future payment plans.

Communication : Require Discover Card Services to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint.

Sincerely, XXXX XXXX