davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: HEARTLAND PAYMENT SYSTEMS INC (FL)

I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XX/XX/2022 currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the XXXX XXXX XXXX XXXX XXXX XXXX. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a XXXX XXXX and am currently submitting a deferment document to the lender. I called the current lender ECSI requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Consumer complaint received 2024-01-08
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)

Dear XXXX, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX
Consumer complaint received 2024-04-22
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. (MI)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-09-26
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. (WI)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from XXXX Mortgage with no correspondence or any other information. I supposed it could be an Escrow refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on XXXX. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (MI)

Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My inner was sold and brought illegally I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports effective immediately I am attaching proof that the XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Consumer complaint received 2023-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX withdrew {$200.00} from my savings account on XXXX XXXX. On XX/XX/XXXX they took out {$200.00} from a newly opened savings account. On XX/XX/XXXX they took {$200.00} from my checking account.I have to change my password daily.because they get in my account. I had all my devices cleaned for Spyware and it is still happening.I call my Citizens bank daily. Citizens is refunding my mo ey.But it is not stopping the fraudster.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

The fraudulent inquiry was applied to my credit file on XX/XX/XXXX by XXXX XXXX without my consent. The letter provided to me by XXXX XXXX on XX/XX/XXXX, requesting removal, was approved. However, it contained incorrect inquiry dates, and XXXX refused to remove the inquiry. Please refer to CFPB case # XXXX. Kindly issue a new letter to me with the correct information and promptly submit this removal request to XXXX Credit Bureau.
Consumer complaint received 2023-09-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (GA)

This company is the closest thing to a payday loan. I have actually had 3 loans with them. Competed 2 with an outstanding track-record. I only had issues with this 3rd one due to setbacks. Unexpectedly. It was unlike my normal routine. They even noticed that it was out the norm. I have since caught up with all my past due amounts. They will likely not be calling anymore. I am submitting this because the hard working manager may not be aware that people in that office or in corporate are not following the rules. They called me multiple times, repeatedly even after we discussed an arrangement. I don't like their terms. I think that their loans are too high and take advantage of people, but the law allows it and I have unfortunately had to pay far more the amount of money back than what I should, that's another topic for debate because the " law '' allows this. They did call too many times and I have the evidence. I even called and told them that it was happening and I didn't want to report. That didn't work. So now, I am drawing the line.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

on XX/XX/2023 I deposited my wife 's XXXX  check along with my grandsons XXXX XXXX check into my account thru the ATM both checks were endorsed by all parties. Chase bank flagged the account as fraud. I made contact in person with the bank to try and resolve this issue. I made four trips to the bank on the same day and provided all the information they requested such as identification birth certificates and even had my grandson with me in person and at the end of the day they would still not release the funds. I have made multiple phone calls to the number the bank provided to try and resolve the issue and now they are telling me that my grandson has to have a cell phone account in his name to prove his identity even after he provided them with his ID and social security card and birth certificate. The banks next step was to close my account and we still cant get the issue resolved.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (WV)

I had a XXXX XXXX card opened through the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. The last payment that I could make was in XX/XX/XXXX. The credit card went delinquent. In XXXX when I filed taxes to get my stimulus money from the rebate, my whole refund/stimulus money was garnished. Transworld systems sent a letter that I owed XXXX for the XXXX XXXX card. Then I received a letter from bureau of fiscal service stating my refunds will be offset. In XXXX TransworldXXXX  XXXX XXXX my XXXX XXXX XXXXXXXX XXXX Every month my social security gets offset. The statements that are sent keep getting bigger. They have taken several thousands of dollars from me and they say I still owe XXXX. I dont believe this debt is legally enforceable due to the age and the excessive inconsistent fees added on every month. Im low income and receive XXXX and XXXX through the state. I rely on my social security benefit. The credit card was only a XXXX credit limit. They have collected far more than what the limit ever was. The amount they offset each month doesnt go towards the principal because they keep adding interest and excessive fees.
Consumer complaint received 2023-07-07
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: Affirm Holdings, Inc (CA)

I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. 

Remove this account from my credit reports XXXX XXXX and XXXX
Consumer complaint received 2024-01-06
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 2024-01-06
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (NJ)

The basis for my dispute is the violation of 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date.

Requesting proof of notices demonstrating that the creditor mailed or delivered the required information at least 21 days before the due date for the disputed account. I am specifically requesting original notices, not copies or templates, to validate that the notices are legitimate and valid, If no such notice was provided or unable to produce such notices verifying compliance with the stated regulation, I kindly request the removal of the late payment/charge off that's null void, below is the attachment when I requested such information before.
Consumer complaint received 2024-01-06
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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