davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGO and my goal is to maintain the relationship weve built over the past 6 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX and XXXX and XX/XX/XXXX for my CB INDIGO Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed CB INDIGO several letters informing them of my financial hardship at the start of the XXXX  pandemic. Unfortunately, the XXXX pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGO account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX  Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXX  pandemic and to provide relief to individuals affected by the XXXX  pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a for bearance or modified payment arrangement, due to XXXX  hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XXXX and XXXX and XX/XX/XXXX 2024
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (MN)

I applied for a short-term personal loan with a high interest rate company called XXXX XXXX  as a returning customer on XX/XX/XXXX of 2024, The application was on the phone and they told me the funds were going to be available by the end of the next day yet I haven't received them till XX/XX/XXXX at XXXX XXXX. part of the information they requested was how frequent do I get paid and what day do I get paid on normally and they have explained to me that their interest is on daily basis and that the sooner you pay off the loan the less interest is being paid off with. The first payment with interest was scheduled on XX/XX/XXXX which is the date of my payday though I have elected to also pay down the whole principal. However, the company is trying to charge me interest for XXXX weeks although I had the loan for only XXXX week and they're trying to tell me that it's written in the payment schedule ( that I didn't get a chance to see till later because of their system upgrade as I mentioned before ) and that they can't do anything about it and they refused connecting me to supervisor or a loan writer saying that the system won't prompt them to because the payment is still being processed.
Consumer complaint received 2023-08-03
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-12-30
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. (CO)

my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2023-11-24
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-08-03
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. (WI)

I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and Capital One say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit score.
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

I got into XXXX  in XX/XX/XXXX, XXXX XXXX XXXX in XXXX, GA due to my health and got XXXX $ surprise bill afterwards. I asked to create a payment plan in XX/XX/XXXX with their Finance department as I was not able to pay the entire bill in one transaction. They did create a plan and every month they were charging XXXX $ starting XX/XX/XXXX. In XX/XX/XXXX I got a written communication from collections agency Hollis Cobb Associates saying that I need to pay the remaining XXXX $ immediately. I do not understand that, I created payment plan and was paying it and will continue to pay it, but this hospital proceeded reporting me to collections even though I was on payment plan and committed to paying it.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (ID)

Yamaha Motor Finance, XXXX XXXX and XXXX XXXX all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (LA)

I received a letter from LoanDepot dated XX/XX/XXXX stating that a data breach had incurred involving my confidential credit information including DOB, Social Security number and other highly sensitive information. I have NEVER EVER conducted or had any reason to conduct business with LoanDepot and did not understand why or how they obtained confidential information to be breached by some flaw in their systems. I responded to the letter on XX/XX/XXXX to LoanDepot 's CEO of record listed on the internet inquiring why I had gotten the data breach communication since I had never had any instance to engage with them. On XX/XX/XXXX, I received a response from LoanDepot stating that I could request to delete information that they had illegally and spuriously obtained without my consent or permission. They advised in this communication dated XX/XX/XXXX that I could call a number ( XXXX ) but it was not a working number. Inasmuch as I am not financing or purchasing any home ( my home is paid off ), I do not follow their dialogue in this communication that " LoanDepot is a national mortgage lending company '' or that it " helps customers purchase and finance homes ". It is my stance that any information that LoanDepot obtained was under false and illegal methodology and should be subject to scrutiny by your Bureau on my behalf and likely thousands of other unsuspecting consumers that have their confidential information breached without even providing it to LoanDepot. I also sent them an e mail that was rejected as an " error '' by their system. On XX/XX/XXXX I again sent correspondence to the current XXXX and XXXX, XXXX XXXX asking again to delete my confidential information from their data files and to provide the source of the party or parties who allegedly provided this information. To date, I have received no response.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (DE)

T

his collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.
Consumer complaint received 2024-03-15
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. (OR)

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETE.


XXXX :ON XXXX XXXX XXXX XXXX XXXX KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE

XXXX XXXX XXXX: ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  
THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Consumer complaint received 2023-12-29
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. (NY)

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from Equifax, XXXX and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates (IL)

On XXXX XX/XX/year>, I filed a XXXX dispute relating to inaccuracies being reported on the LJ Ross Associates Account. While this account was in dispute, XXXX XXXX failed to mark the debt as disputed on my credit report, as required, underXX/XX/XXXXof the Fair Debt Collection Practices Act ( FDCPA ). XXXX also failed to ensure the account was annotated properly. Subsequently, on XXXX XX/XX/year>, XXXX completed the investigation and reported that XXXX XXXX verified that the account information was being reporting accurately and no corrections were made. Based on the account information that I have from the original creditor, as well as, my own bank statements, this account tradeline remains incorrect. Further, it confirms that the disputed information on this account is not being properly investigated. 

When I contacted XXXX to inquire into what information was provided by XXXX XXXX to verify the accuracy of the account in response to the XXXX XX/XX/year> dispute, I was told that my Name and Social Security Number was verified. This did not make sense, considering that my name and XXXX were not the items in dispute. Therefore, I requested further information as to what was provided by XXXX XXXX to support the information that is being reported and which was verified as accurate. Neither of the XXXX XXXX representatives that I spoke with could provide any explanation, although, XXXX of the XXXX continued to maintain that my Name and social security number were used to verify the information. 

On XXXX XX/XX/year>, I submitted CFPB complaint # XXXX requesting and investigation into the verification method that XXXX used XXXX ensure the accuracy of the XXXX XXXX account XXXX In response to this complaint, on XXXX XX/XX/year>, XXXX informed me that another dispute investigation has been opened into the errors on the XXXX XXXX account, which is still pending as of today. However, I have accessed my XXXX credit report several times since XXXX XXXX, to include today, and notice that ONCE AGAIN, the XXXX XXXX is not marked as dispute in accordance with the Fair Debt Collection Practices Act ( FDCPA ), section XX/XX/XXXX of the Fair Debt Collection Practices Act ( FDCPA ). 

This blatant, continued practice of ignoring laws that clearly state what information furnishers, debt XXXX and credit reporting agencies are required to do once an account has been dispute, egregiously violates of my consumer rights. 

Credit report, dated XXXX XX/XX/year>, is attached.
Consumer complaint received 2023-11-23
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. (TX)

Equifax is posting an account named XXXX XXXX XXXX XXXX union. This account is part of an XXXX XXXX XXXX report filed and MUST legally be removed from my profile immediately.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX of Information : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not AvailableReported For : OVERDRAFTS ; REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) ; Reported Name : XXXX XXXXReported Address:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN/ID : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XXXX. XXXX XXXX XXXX section XXXX A. XXXX 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
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX
Consumer complaint received 2023-09-06
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-26
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)

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 2024-05-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (UT)

On XX/XX/2024, did {$1500.00} on money orders ( XXXX checks ). Made them out to my husband. Same day he tried to cash them but they wouldnt go through. Went back the next day and same problem. We were told wed have to request a refund, so we did. Costing us {$30.00} ( {$15.00} per check ) to refund. Got new checks in the mail, still unable to cash them. Called the number to figure out the status on the check. A stopped payment was issued on the check the day after the date on the new checks. They sent a second round of new ones, we had the same problem. And again with a third round of checks. Its been over XXXX months. Every time we call they say everything is fine on their end but we still are unable to cash the checks. Twice now Ive spoken to a supervisor and was told theyd issue our money into a money transfer and another department is denying it and just wanting to send more checks. We need this money now to pay bills and Western union obviously doesnt want to give us our money