davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (NJ)

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 XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-11
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. (NV)

My credit report is showing late payments to XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX FCUs customer service representative.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

Subject : Formal Complaint Against Goldman Sachs Bank USA for Unjust Credit Practices Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Goldman Sachs Bank USA ( hereinafter referred to as the Bank ) concerning several applications I submitted for the Apple Card and the subsequent, seemingly unjust, denials I have faced, which appear to be incongruent with the principles and guidelines established under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial reasons asserted lack of substantial credit history and insufficient payment history, among others, despite my maintaining a credit account with XXXXXX/XX/XXXX since XX/XX/XXXX, with consistent and up-to-date reporting until at least XX/XX/XXXX. These denials, combined with the ambiguous and inconsistent criteria employed to assess credit applications, seem to infringe upon the mandates of the ECOA that restrict discriminatory practices in credit transactions. 

Furthermore, my interactions with the Bank and XXXX have revealed disparities and contradictions in the management and communication of my credit information, its disclosure to third parties, and its utilization in credit decisions, potentially breaching the FCRA which stipulates the necessity for the accurate and fair communication of credit information. 

The following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : Observable discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices. 

Neglect of Robust Credit Information : Denials have been issued using arguments of " insufficient credit history '' and " insufficient payment history, '' despite a demonstrated history of reliable credit management. 

Baseless Credit Denial : Differing reasons for credit denial have been provided across various applications, pointing to a lack of clear and consistent criteria in the Banks credit decisions.
Consumer complaint received 2018-05-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (TX)

I GOT VERY SICK AND ENDED UP IN XXXX AND COULDNT PAY MY BILLS..I RECIEVE A PAY LOAN FROM XXXX XXXX OF XXXX AND I PAID XXXX BACK, AND THEN I GOT ONE TO PAY ANOTHER LOAN OFF AND GOT XXXX AND OWE OVER XXXX BACK, I THOUGHT I WAS TOLD TO PAY XXXX A MONTH BUT IT END UP BEING XXXX A WEEK AND THEY ARE ALSO CHARGING ME INTEREST PER DAY AND IT IS NEVER GOING DOWN, ,I GOT ANOTHER ONE FROM XXXX XXXX OF XXXX $ AND FOR ALMOST TWO MONTHS NOW.. HAVE PAID XXXX $ EVERY TWO WEEK AND THEY TOLD ME THAT IS NOT MY LOAN IT IS JUST INTEREST AND IM NOT PAYING ON THE LOAN. I GOT ONE MORE TO TRY AND MAKE END MEET FROM XXXX XXXX   OF XXXX $ AND THEY GOT ME PAYING XXXX EVERY TWO WEEKS 10 TIME BEFORE I PAY THAT ONE OFF, I KNOW I OWE ALL OF THESE BUT I WILL NEVER PAY THEM OFF, ,ALL IM ASKING IS FOR A SMALL MONTHLY PAYMENT SO I CAN PAY ALL THAT I OWE..I HAVE PAID MORE THAN ENOUGH ON ALL THREE BUT I ALSO AGREED TO PAY.PLEASE HELP ME.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is calling me daily and on Sundays. They call from different numbers and different places in Pennsylvania. They will NOT leave a message or give me any needed information. I don't know if they're a real company or not. They won't say who they're representing. I get just a 1st name from the caller. The Phone ID gives me the " Company Name ''. 
I feel this is very harassing and suspect.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (RI)

I have an account with TD Bank with the XXXX XXXX department. My payments are due on the XXXX of each month. I have made on-time payments. However, depite the on-time payments, I am regularly charged a late fee and when requesting it be waived, they say one of two things, 1 ) that it will happen automatically or 2 ) that in order to waive the late fee I need to bring my account current even though my account only appears to be overdue because they never waived the late fee for the on-time payment. This late fee is assessed days before my due date and never waived. I am concerned I have been overpaying on my loan due to their practices.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (TN)

On Saturday XX/XX/2023, we got in the line at XXXX that morning at the XXXX Car Dealership on XXXX XXXX XXXX XXXX XXXX XXXX Ms. We were invited to this advertisement from a XXXX XXXX from a sales representative for XXXX XXXX The doors were supposed to open at XXXX but didn't until around XXXX. The advertisement was everything {$79.00}. My husband and I spotted a XXXX XXXX that was a part of the {$79.00} advertisement inventory. The lines were very long, and we stood outside for more than 6 hours, they had a person on the microphone being loud and saying very inappropriate and unprofessional statements. I was very tired, and my blood sugar was very low, the sales rep at this point was pushing to get my file to another office across from the car dealership that was advertising the {$79.00} deals. The car salesman was working other deals at the same time he was working mine, do the paperwork was never reviewed with us step by step. He had us to sign the area on the contract without fully reviewing anything with us. We finally finished after being at the dealership for well over 9 hours out of my Saturday. Once, we drove off the lot with the car the engine light started coming on and not to mention this car deal had nothing to do with the {$79.00} deals as it was advertised. After going through all of this, my husband and I decided we didn't want the vehicle and would return it within the time frame the law supports. The deal with the car was not completed until after XXXX that Saturday afternoon. Due to the weekend and Monday a holiday and the dealership was closed we returned the car that Tuesday early morning. We submitted a letter to the dealership stating that we are returning the car and didn't want to proceed with the deal. They took the letter but was trying to refuse our request to stop the contract and that the car was now returned and we didn't want it. We were treated very unfairly by the dealership, but we never once kept the car upon us returning it along with a letter stating we had returned the car and didn't want to proceed with the deal. I have attached documents pertaining to this claim. Now the loan company XXXX has attacked my credit rating, and we don't have the car it has been at the car dealership since XX/XX/2023. We have no collateral, and it is still at the dealership. This loan has been updated to my credit file unfairly and without any regard of us requesting the deal be terminated within the 72 hours limitations. I have supporting documents for this complaint.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

This is the letter received from Midland Credit Management dated XX/XX/2023 claiming that I loaned {$3200.00} from XXXX. I have no idea or I did not loan any money from any company or banks. 
Letter from Midland Credit Management : of beina filing. 
MIC IM Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Original Creditor XX/XX/2023 Original Account Number MCM Account Number Current Owner Current Servicer Current Balance Mon-Fri : XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , Inc . 
Midland Credit Management , Inc . 
{$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX , We understand that you are inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information you provided, our account notes, and information provided by the previous creditor, with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX, we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : We are uncertain of what you are specifically disputing Next steps : In order for us to further investigate your inquiry please provide the following : Written explanation and documentation demonstrating any errors in your account information Some additional information about your account : Date opened : XX/XX/2023. Date of charge off : XX/XX/2023. Current servicer : Midland Credit Management , Inc.. Date purchased : XX/XX/2023. Original purchase balance : {$3200.00}. Accrued interest : {$0.00}. Accrued fees : {$0.00}. Total payments/Adjustment applied : {$0.00}. Date paid in full ( if applicable ) ; Recent Transactions : Date Amount Date Amount Date Amount *Only the last 31 payments are reflected in the above table For additional information you may contact us online at MidlandCredit.com , you may also call Consumer Resolutions at XXXX. 
XXXX XXXX XXXX : XXXX Sincerely, XXXX XXXX Consumer Support Services. 
This is a lie, if they gave the money they claim, check which bank account it went to and who received.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I paid my minimum payment for 2 months before the XXXX of the month and Im looking at my account was charged delinquent for XXXX of 2023 from Wells Fargo Credit Card Services
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX I sent certified letter to XXXX XXXX disputing an item in the amount of {$1200.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/XXXX which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 XXXX # XXXX, Account name : 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc. (CT)

Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

I, the consumer and natural person, was denied credit by MACYS when I applied for a Macys, XXXX XXXX XXXX XXXXXXXX XXXX They have defamed my character, a natural person with this denial and my personal information was also shared without my total consent! Also the advertisement was misleading because it said that I was prequalified to apply. 
And XXXX IS AGAINST THE LAW according to the Equal Credit Opportunity Act which Is codified in 15 US C 1691c and is pursuant to civil liability under 15 U.SC 1692k.

I have proof that i was discriminated against by MACYS due to the response i received. MACYS/CITIBANK N.A is in violation of 15 US. Code 1642, USC 1681m and 12 cfr 1002
Consumer complaint received 2023-10-11
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. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (KY)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XX/XX/XXXX
Consumer complaint received 2023-10-11
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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. 

XX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

Sent multiple letters disputing the alleged debt from XXXX the creditor Equifax allegedly stated the debt was verified as accurate I asked for a full re-investingation, proof of investigation that I owe this alleged debt if this couldnt be provided to delete the collections allegedly