davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I reached out to the company back in XXXX about removal of the incorrect information on my credit report. They refused to do so I requested the payment information from the account. I was told I had to verify my email by email early XXXX from the company, so I did the information listed was incorrect. They later in the year sent me a letter from a lawyer to contact him even after they were notified the information was incorrect from the initial notice. At the time they were being sued for targeting lowering class citizens and charging interest rates that were above the regulated state requirement. I was also in that category of targeted people. I was waiting the opportunity to go to court. I later received a call from a lawyer saying they could represent me in a lawsuit I knew nothing about I asked them what they were referring to because I was not aware of being sued. She informed me to call my local courts and I did they told me that a summons would be brought to me and it was filed by the company on XX/XX/XXXX. I waited to hear back from the company lawyer after leaving several voicemails and no response. I waited for the company to resolve the issue and then I received a letter from the court stating the case was dismissed XX/XX/XXXX. I tried to get the company to remove the wrong information from me and my co-signer report but they have still not done it. I then received a lean release document from them on XX/XX/XXXX. It is now XX/XX/XXXX and it is still on our reports. I would like them removed immediately and any inquiries associated with the company.
Consumer complaint received 2023-09-22
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-04-19
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. (CO)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX # XXXX, Account name : XXXX XXXX, Account name : 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 2023-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. 

The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I have been banking with Wells Fargo for a couple months I have been having alot of issues with them since I have been banking with them. 
I had an issue with them giving me my {$300.00} bonus offer!!!! and now I have an issue again with them closing my Wells Fargo account!!! I had {$500.00} in my account and they closed it!!!! then they stopped my online banking acess as well!!! it's always something with them!!!! all I want is my money back so I can take my business elsewhere!!!! please help!!!! my child didn't get to have a good XXXX because of this!!! this isn't right!!!! because of them my son will not get his ssi money on time and I have to find a new bank!!!!
Consumer complaint received 2023-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (VA)

Optum Bank has reassigned mutual funds from an open XXXX account to a closed XXXX account where it can not be accessed. This is the second occurrence of this issue. It is happening without my knowledge or consent. 

I opened a new XXXX account with Optum Bank in XX/XX/XXXX due to a change in employment and a new health insurance plan. I had another XXXX account with Optum Bank through a previous employer, so I consolidated the accounts in XX/XX/XXXX. The assets in the investment account were transferred without liquidation and the old account was closed ( account closure confirmation email attached ). Between XXXX and XX/XX/XXXX, the investment assets were reassigned back to the closed account ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and had the funds moved back to the open account after several calls to customer service ( XX/XX/XXXX account statement showing proper balances attached ). 

Between XXXX and XX/XX/XXXX the same issue reoccurred ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and called customer service on XX/XX/XXXX to resolve it. I was promised the issue would be fixed within XXXX business days. XXXX weeks later the issue is not resolved. I called customer service again on XX/XX/XXXX and was unable to make any progress. 

Screenshot from online portal showing current balances attached. The first account with an investment balance is the account that has been closed since XX/XX/XXXX. The second account is open and should contain all funds.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMW Financial Services NA, LLC (FL)

I have a car loan from BMW Financial, I was down two payments, they called an threaten repossession of the vehicle. I made arrangement to pay on two different dates, which I did. The last payment brought my account current. I am a few days late with my current payment, less than 30 days, yet everyday as early as XXXX XXXX  I received calls from BMW Financial. AT times 2- 3 times a day.
Consumer complaint received 2023-08-30
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. (FL)

To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. See Attachments...
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (IL)

I am writing to formally dispute and contest the actions of SOUTHWEST RECOVERY SERVICES in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. 

I hereby declare that I dispute owing any and all debts to SOUTHWEST RECOVERY SERVICES and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between SOUTHWEST RECOVERY SERVICES and the original creditor pertaining to the said debt. 

It has come to my attention that SOUTHWEST RECOVERY SERVICES has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ). 

Moreover, I assert that SOUTHWEST RECOVERY SERVICES is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ). 

In light of these violations and discrepancies, I am formally revoking all rights of SOUTHWEST RECOVERY SERVICES to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately. 

Furthermore, I request that SOUTHWEST RECOVERY SERVICES provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities. 

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by SOUTHWEST RECOVERY SERVICES. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NC)

I paid off the lien back in XXXX and was sent the lien satisfied letter but was it not updated electronically to the North Carolina DMV. They have stated on their site that they do this for states that have this option. It is also required by law in the state of North Carolina. The first time I called the representative hung up in my face. The second representative said they don't see where North Carolina is an ELS state. I told them it's literally on their website faqs and it's NC DMV information. She just kept saying that's all the information that she had. I asked to speak to supervisor but was told none was available and that she could only take number and try to get someone to call me back. I asked could I have an email so that I could communicate with someone in writing for my records and she said that she could not give me anyone 's direct contact
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I have been in contact with my creditor regarding my ability to pay my bill during the Covid epidemic. They removed late payments but not the credit reporting. 
It has been OVER 30 days and the creditor/ Kohl 's has not updated the information nor has provided documentation in regards to the late payments in my account They have not supplied this information and must delete the alleged late payments on my credit report. 

Under Federal Law they had 30 days to complete the investigation and in failing so must delete the late payments from report ASAP Under U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) CARES ACT
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
Consumer complaint received 2024-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (GA)

I purchased a house XXXX of last year, after the second payment and in good standings, another bank said they obtained my debt and i owe them. I wrote a letter to the XXXX top people a m & t bank. i ask who are you, i never heard of you guys, i never did any business with you guys, i never sign any contracts with you guys so prove to i owe this debt. I said to them i have the right to validate this debt, according to title 15 usc 44 i have the rights to validate this debt, i as them to show me how they obtained this debt, then i ask for my original promissory note, booking of records, financial records and corporate records and they didnt send any documents i asked for, they only sent copies i already have closing paperwork.
Consumer complaint received 2023-10-30
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$78.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-12-27
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)

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have never really checked my credit because I was a XXXX XXXX XXXX  mom for 26 years. Recently divorced I have now been trying to boost my credit and I saw one of them I never applied for a Walgreens credit card.

This needs to be off of my credit report. How can this be on here if I did not even apply.

Please take this off. Thank you
Consumer complaint received 2023-07-11
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PR)

An amount of {$1800.00} was reported to my credit report as a collection account by a company called SEQUIUM ASSET SOLUTION. The original creator was XXXX XXXX. The date open was XX/XX/2023.
Consumer complaint received 2023-12-05
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. (GA)

I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.