davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX XXXXXXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I recently received a year end statement from Nationstar Mortgage. Since the company will not answer any question and outside of this year end statement, no information was given too me when requested, I am requesting to know when Nationstar acquire my servicing agreement. I am requesting to know is the legal owner of my mortgage. XXXX loan servicing could not prove not only who is the legal owner, but also provide proof of transfer of ownership and the secruritization trust to the purchase of my property. Thank you
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX days offers a purpose to straight away remove those items from my credit report. Its been over XXXX days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Dispute of Inaccurate Account Information - Not Mine Dear Cfpb I am writing to dispute the accuracy of certain account information on my credit report, as I have identified an account that is not mine. Upon careful review, I have determined that the following account does not belong to me : Creditor Name : XXXX XXXX Account Number : XXXX Date of Opening : Not Available Inaccuracy : Not my Account Incorrect information I request a thorough investigation into this matter and the removal of the inaccurate account from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and rectify inaccurate information. 

Please provide written confirmation once the investigation is complete and the inaccurate account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-10
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. (GA)

XXXX my wife added me to her savings account at a small credit union. Formerly XXXX  XXXX company in XXXX Georgia. It is now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The loan officer told me he needed to check OFAC, which is fine, and also check for outstanding bank fees or accounts. At this point he performed a hard credit pull rather than to use XXXX XXXX I am very dissatisfied that he went ahead and did this and it was unnecessary and rather sneaky. Now I have this unneeded ding on my credit.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

My problem is about XXXX  gift card with XXXX dollars stored in which is a " gift ''. I lost it and called the company to request a replacement card. 
I called them on XX/XX/XXXX at XXXX XXXX  to request a replacement card. The customer service representative got my personel information, did security check and told me that my card will be sent in 5-10 business days. 
So I waited for three weeks and called them again and this time the customer service representative recommended me to wait a little bit longer. 
After waiting ten days I called again and this time the customer service representative told me that there is no record about my replacement request and told she will be creating it. She wanted activation receipt and address proof. 
And I sent the activation receipt and address proof with an e-mail and nobady answered it. 
Then I called again and another customer representative told me that they didn't get the e-mail. 
So I sent it again ( the same e-mail to the same e-mail address ) Then I got an answer that they also need the purchase receipt even though I have the activation receipt. 
So I reached my friend which has XXXX kids and have no time and asked her to find the receipt for me with shame. She couldn't find it. 
I know that keeping the activation receipts is important for such problems so I kept it and provided it to company but they still don't answer my e-mails and not replacing my card. It has been 4 months since I lost the card. 
I think they are trying to make me get tired of requesting replacement card. So it is kind of a fraud activity.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (KS)

I was a pervious rental with progress residential. Me and my family moved out XX/XX/2023. A case was filed on XX/XX/2023. I talked to XXXX XXXX around XX/XX/2023. Informed her that me nor my family lived in the property. Per my lease ledger my move out date was XX/XX/2023. The case was never to be filed unfortunately the company did not communicate with the attorney. The default judgment was placed XX/XX/2023. The company filed a motion to set aside the judgment on XX/XX/2023. The order was granted XX/XX/2023 which eventually led to the case being dismissed.
Consumer complaint received 2023-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

they are incompetent and are not processing my PSLF applications correctly. I worked at XXXXXXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and they missed the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the form covered from XXXX to XX/XX/XXXX. 

I also turned in a form from XXXX that covers XXXX and XX/XX/XXXX and next month I will turn in for XX/XX/XXXX and I qualify for forgiveness. Some incompetent closed all my forms out except for 1 and I had two forms for two different agencies that has to be processed. They left XX/XX/XXXX form open and now the 90 days starts over I had to submit two more forms today. If they can not properly handle student loans they don't need that contract.
Consumer complaint received 2024-01-17
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. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 


I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 

I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 


I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 

Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 

I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX  Balance : {$1600.00}.
Consumer complaint received 2024-01-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

The initial complaint ID is XXXX for this issue that was still not resolved as a check was not received. 

The {$100.00} pre-paid card was only able to be used in store and not with any of the online stores I needed to purchase on. The card had {$68.00} balance and AMEX had replied in XX/XX/XXXX stating a refund check was being mailed. However, this was never received. As a result, the card was closed, so now no working card and no refund check. 

Amex can see that the check was never deposited. So we are not losing {$68.00}, I ask if the original check can be cancelled and a new refund check securely mailed. Worse experience ever with a gift card company. I've had to warn family members about choosing Amex for gifts due to this frustrating experience of feeling ripped off. 

My XXXX daughter got XXXX of these gift cards for XXXX that was purchased before our family member was informed of these online purchasing problems. My daughter tried to buy shoes online and of course the card won't work. But this is another separate issue that she'll need to contact about. 

I'm hoping Amex can cancel the first and lost {$68.00} check, and send a new one to the address indicated on file.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I am asking for your assistance to remove these fraudulent items in my credit file : DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX  Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$0.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX  Balance {$760.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$370.00}.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Gentlemen, Sometime of XX/XX/XXXX XXXX of Arizona posted an On-Line advertisement for a XX/XX/XXXX XXXX for {$22000.00} and went to the Dealer and Traded-In my XX/XX/XXXX XXXX for {$12.00} since, I needed a bigger size sedan. The Dealer optaine financing from the Nissan Motors Acceptance Corp. for XXXX % interest for me with XXXX months term.which included an Extended Warranty for {$2500.00} and {$1000.00} Gap Insurance. And I found out after driving home while reviewing the sale contract. The Dealer had charged the said car for {$26000.00} instead the {$22000.00} as what they advertised for the same car. I made a complaint with Arizona State Attorney Genera Office. The said Dealer had adjusted the said price and reduced the price of the GAP insurance to {$590.00} and cancelled the rest of the added option. However, The Nissan XXXX did n't adjust my monthly payment after the said adjustment. My Contract account number with Nissan XXXX is XXXX That started on XX/XX/XXXX and will end XX/XX/XXXX respectively. The original amount finance was {$35000.00} as I was upside down on my Trade-In. After the dealer returned and all those price adjustment and cancellation of all the add-ons. The Nissan XXXX failed to adjust the monthly payment term. I used to pay on my old car just {$310.00} a month. With my New Car Nissan XXXX. It cost me {$550.00} a month. I want them to restructure my car loan with them. For reasons I am a working XXXX. The {$550.00} monthly payments is blowing my budget. And might fall behind in my payment with them. I never missed a single payment with them. But, XXXX XXXX will affect my budget as time at work. I am appealing to your good office to intercede on my behalf. As I can foresee the bleak future ahead while balancing my financial obligation and the XXXX advancement for me and the future. I do hope the Nissan XXXX Dept. We give me their utmost consideration with all my undertaking. They are even rewarding XXXX with bonus rebates. All I am asking from them is to restructure my loan and payment. Even, Giving me a XXXX months term to lower my payment and achieves my goal and XXXX at the same time with a good standing with them and be a loyal customer hopefully if things turn out for the better in my situations. 

Thank You very much for your kind Understanding and Consideration and more power to Office and Staff members. 

Sincerely, XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation (GA)

They keep repossessing my vehicle every time I come home. When I ask for letters or attempt to make arrangements they will not I asked for letters cant get them. They asked me was I still in the XXXX I told them yes. They will not let me refinance. They wouldnt lower the interest
Consumer complaint received 2024-01-17
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX 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 : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-04-07
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. (PA)

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/year>. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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)

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 2024-01-17
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)

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryEquifax, XXXX, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.