davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MN)

I worked for a company ( XXXX XXXX ) where I was required to use a XXXX XXXX XXXX XXXX XXXX. There was an option to be part of a rewards program through US Bank XXXX by paying an annual fee of around {$70.00}. I paid that fee for many years ( 5+ ). I accumulated approximately XXXX points worth approximately {$700.00}. I recently decided to leave that employer. When I logged in to redeem the points, I was unable to login. After calling US Bank several times, I was finally told that when the corporate account is closed, the point immediately disappear. This was not disclosed and is unreasonable.
Consumer complaint received 2024-03-28
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/2016
Consumer complaint received 2023-04-25
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. (PA)

I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting XXXX but the company is not listening to me.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I am filing this complaint against Midland Credit Management located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, concerning their ongoing attempts to collect an alleged debt, which they claim I owe. This complaint is prompted by multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced. 

Details of the Issue : Account Information : The alleged debt pertains to XXXXXXXX XXXX, with the account number ending in XXXX. 
Initial Contact : I was first contacted by this agency on XX/XX/year> and I received communications claiming that I owe a debt of {$3700.00} Request for Verification : On XX/XX/year>, I sent a formal request for the verification of this debt to the collection agency. This request was made in accordance with the rights granted to me under the FDCPA, specifically under 15 U.S.C. 1692g.

Lack of Response : Despite my clear request for verification, [ Collection Agency 's Name ] has failed to provide any documentation or proof that substantiates their claim or their authority to collect this alleged debt. 
Additional Transfers : Subsequently, the debt was transferred to another agency, XXXX XXXX XXXX, XXXX and then returned to Midland Credit Management. Neither agency has provided the required verification. 
Cease and Desist : I have sent a cease and desist letter on XX/XX/year>, instructing the agency to stop all communications except to notify me of their legal actions. Despite this, the attempts to collect the unverified debt continue. 
Violation Claims : Failure to Provide Verification : The agency has not suspended collection activities nor provided the debt verification as required by the FDCPA. 
Ignoring Cease and Desist : The agency has disregarded my cease and desist request, which further violates the FDCPA. 
Impact on Me : This situation has caused significant stress and inconvenience. The actions of Midland Credit Management have made me feel harassed by the calls and have invaded my personal peace, all while they have not proven that I legally owe the claimed amount. 

Requested Actions : I urge the CFPB to investigate these violations and to enforce appropriate penalties against Midland Credit Management. I also request help in ensuring that this agency complies with the FDCPA by providing the necessary verification or ceasing collection if they can not prove my obligation to this debt. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

I have been sending inquires for over 3 years now to XXXX, XXXX and XXXX disputing credit inquires and to get original contracts from creditors who claimed I either owe them or the amount owed was wrong and all they keep telling me its been verified but none of the bureaus are sending me anything with my signature that I open or signed any contracts or documents. My identity was comprised since XXXX someone has used my information in XXXX and XXXX. None of the bureaus are taking the time to send me sign documents on how it was verified.at my request.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 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 2023-09-22
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. (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 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 2016-07-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

1. Dealer 's APR calculations appear to be understated. Interest is computed on a daily basis for an auto loan but 2. The contract appears deceptive because it is called a GMAC ( ALLY ) Flexible Finance Plan but there is no flexibility offered to the borrowers. 
3. An investigation will show that the car dealer, XXXX XXXX, processed one contract at the requested simple interest rate and then deceptively said a " mistake '' was made after my signing and another contract needed to be printed but the second contract 's interest rate was based on a daily computation rather than simple annual interest. 
4. In retrospect, I believe I was charged an unfair and highly marked-up interest rate because I am XXXX, especially because of the consent agreement Ally entered into with the federal government.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting. 

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX XXXX XXXX every other address associated with this consumer report must be removed.
Consumer complaint received 2023-09-22
Product: Credit reporting 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 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 2021-11-12
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: Commonwealth Financial Systems, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

COMMONWEALTH FINANCIAL XXXX Balance {$1200.00} ; COMMONWEATH FINANCIAL XXXX Balance {$2200.00} ; COMNWLTH FIN XXXX Balance {$150.00}
Consumer complaint received 2018-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

[ XXXX ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : XXXX- This revocation applies to any and all future debits. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/18 Wells Fargo Bank reversed a promised final credit of {$69.00} for purchase of non received merchandise -claim # XXXX for debt card ending in XXXX. 
This is a deliberate attempt to make my account balance negative & create NSF non sufficient fund fees for future transactions.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

I do bornwant a call on this. Every person except management does not speak clear XXXX. I have to file a complaint to get an XXXX speaking person. Management seems to know the rules but not reps. Its very difficult to know where your funds are going have issues with only this account Payments are applied never like I was told. Representatives and mangers ( non XXXX speaking ) avail when texting or calling need training on the correct information XXXX shouldnt have to file a complaint to speak to a manager. I am done.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my XXXX XXXX consumer credit report sent to me via mail.
Consumer complaint received 2023-03-17
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Driveway Finance Corporation (FL)

On XX/XX/2023 my credit was used to get a loan in the amount of {$44000.00} on a car through LithiaXXXX XXXX XXXX XXXX The car was sold to an XXXX XXXX. I have called the company to their numbers and have not been able to speak to a person as the recording of music will go on for hours with no one receiving the call ( XXXX ) XXXX. This loan is to a person by the name XXXX XXXX, I have never met anyone by this name nor would I contract with another person financially.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (NC)

I have not received any correspondence from collection agency to validate this account. I disputed several times to get this information. I asked for information regarding by account XX/XX/2023. I have since not received any of the original signed documents. I am also requesting documentation that agency owns this debt, and can legally collect in North Carolina. Please remove this account from all 3 credit bureaus until information can be validated.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Consumer complaint received 2018-12-22
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. (OR)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX is trying to collect on debt not owed by XXXX XXXX. The debt was opened XX/XX/XXXX by World Financial Group and the other one was on XXXX XXXX XXXX. Both debt was by original owned by World Financial Group, which have no agreement, and have never done any contract or transaction with them. The amounts for XX/XX/XXXX is for {$1900.00} and is reported as open on the XXXX XXXX credit reports. The other amount is for XX/XX/XXXX for the amount of {$1900.00} and is stated open under XXXX XXXX   When I disputed the first amount for {$1900.00} for XXXX, XXXX XXXX did not respond back instead they added a new one for the XXXX which was not on my report previously. This deceptively added a new unknown debt to my credit report from source I have never dealt with.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX XXXX XXXX XXXX a U.S. National of the united states of America XXXX XXXX XXXX XXXX XXXX. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.
Consumer complaint received 2024-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

Hi I am a loyal customer with time online banking I have recently since XXXX and XXXX have been receiving errors regarding my account I made several complaints about when you've been added to my account from Other banks that try to deposit funds into my account it constantly shows an era I made several complaints my money was not going into my account on time I'm just now from a complaint from XXXX and XXXX able to get a dispute that I filed handled in XXXX I'm a very upset customer I'm really worried and concerned should I change my bank or what..