davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Synovus Bank (FL)

This account narrative reads verbatim account close by credit guarantor however, this account is still able to be pulled on a rent score report therefore enabling me to be able to find housing. There is no balance on the account as the account has been closed since XX/XX/2021, there is no reason for this to continue to hinder me From finding a place to stay
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

DEAR CREDIT ACCEPTANCE CORP ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

I was incarcerated in federal prison since XXXX, during that time my credit card was being used without my knowledge and permission. When I was released on XX/XX/XXXX, I was contacted by Navy Federal Credit Union Collections department that advised me that a payment was due on my credit card account and that it was closed due to nonpayment. I expressed my concern and shared that my account balance should be paid off and funds to pay my credit card was left in my checking/savings account therefore, my account should still be in good standing. At this time is when I found out that my account was maxed out and I immediately filed a fraudulent claim. I provided the fraud department supporting evidence which included my prison release documents, prison ID card, police report, FTC report, and proof of other unauthorized activities with other consumers. After the submission, I was advised that the investigation would take 15 days which had soon expired and I had to reach back out to the fraud department to check the status. At this time I was told that my claim was denied because they had not received no evidence and had nothing to prove otherwise. Therefore, I resubmitted the supporting evidence and was told to wait 15 business days for a determination. My claim was denied for the 2nd with no explanation besides that I still owed $ XXXX.
Consumer complaint received 2023-12-18
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. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Consumer complaint received 2023-04-11
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}. I emphasize my right to accurate credit reporting and request written confirmation of the investigation results along with actions taken to rectify this situation.
Consumer complaint received 2023-12-18
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (AZ)

This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (PA)

I '' ve tried to access to my online banking and the app didnt allow me, saying that my account is locked. 
I called customer service and they say " go to the branch '' nothing else. I opened this checking account with international passport being non resident, so the bank cant for me to go to a branch if I dont live there. After that I called my branch XXXX XXXX XXXX XXXX in XXXX, PA XXXX and spoke with a representative there, she said that someone will call me to see what is going on, until now Im waiting for that call. 
I need to know how to fix this issue caused by the bank which is restricting the access to my funds at the account. 
The bank has all my personal details to contact me, I dont understand why until now nobody from the bank as called me to explain the situation. They just send me the last statement by mail. 
The phone number at CFPB is my old number ( doesnt allow me to change it ), the new one registered with the bank on XX/XX/2024 is XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kramer & Frank, P.C. (MO)

I was contacted by the Payroll manager on behalf of my employer XXXX XXXX XXXX XXXX that a garnishment withholding was scheduled instituted by XXXX and XXXX on behalf of XXXX Bank for the amount of {$XXXX} XXXX XXXX who resides at resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX with the social security number on paperwork is XXXX in which there is no affiliation with the social security number or address to cross reference pertinent information. I want to simply know how did this mistake handling with no one verifying the social security number.
Consumer complaint received 2023-12-18
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$500.00}
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

There was a credit card debt which was for approximately {$350.00} I was garnished for {$870.00} by Midland Credit Management. I was informed that the total with fees was {$910.00}. This was in XX/XX/XXXX on the XXXX I spoke with XXXX XXXX. I was informed that all monies withheld after the garnishment release would be returned to me the defendant it was not. It was returned to my employer in a untimely manner. The release is dated XXXX XXXX I received a payment from XXXX XXXX of funds that had still been sent to the company after this date. XXXX states that payments received were {$1000.00} my check records shows {$2000.00} was sent to them. I have yet to received the excess money paid to them. As I have spoken with the XXXX XXXX  for XXXX the last week in XXXX. I have received all monies returned to them. Several checks were sent to them after the case was supposedly closed. The garnishment release stated these monies would be sent to me the defendant with the exception of the XXXX check for {$180.00} all other monies due and owing was sent to XXXX XXXX. Meaning, I had to wait for it to clear their bank and then they cut me a check. The last one from them being dated XX/XX/XXXX for {$390.00}. This is the total of XXXX out of the XXXX checks that Midland received after the garnishment case was CLOSED, which now they claim they haven't received {$2000.00} in total. This seems to be tactical intended to cause frustration and financial deprivation to the defendant with no consequence to the plaintiff Midland. Only causing financial harm to me the defendant. At this point there is no excuse for the untimely manner in which this was handled. From XXXX to the present they are still issuing out the overage in minute increments. Another check was issued on XX/XX/XXXX for {$12.00} to XXXX and not the defendant. Why? To delay return of funds and tactilely withhold money that was received and punish the the defendant, myself. This could have been solved amicably with the plaintiff, but it was not possible to have a civil conversation with the collectors. The was paid within XXXX weeks we could have negotiated a payment agreement if communications was not lacking. My income was not lacking to pay the debt but civil conversation was not to be had when collectors take an accusatory tone and attitude and one can not gain clarity with an argumentative individual. At this point I am owed a balance of {$510.00}. The company/Midland  has XXXX lied and said they only received {$1000.00} the records I have beg to differ. There are still XXXX outstanding checks period.
Consumer complaint received 2023-12-17
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. (TN)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. 

Despite providing XXXX XXXX XXXX XXXX with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

XXXX XXXX XXXX XXXX must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2023-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (LA)

Only XX/XX/XXXX. XXXX XXXX XXXX a Debt Collector, seized and Repossessed my Vehicle without consent or knowledge, my Original Leinholder is American Car Center, who went bankrupt, from XX/XX/XXXX to XX/XX/XXXX I paid all my payments on time, once these People look over my loan they tried forcing me, restart my loan with them, I tried setting up auto payment with them, which they set up @ {$250.00} ; yet, recieving my payments they never were crediting to my account, claim I was XXXX  days behind. I never signed anything with them, they repossessed my car and still were taking money out my account after they repossessed my car. I had to canceled all my cards and now bout to get evicted from my house as a result, documents provided
Consumer complaint received 2023-12-17
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: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX Ombudsman letter submitted to Creditor, Experian and XXXX in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On XX/XX/2024 my chime account was hacked. And XXXX was spent in XXXX California at store # XXXX. Then they went out to a place called XXXX XXXX  for XXXX before finally using a different card for XXXX dollars ant XXXX XXXX XXXX XXXX California. I first contacted chime less than an hour after the transactions showed pending on my account. I was told I had to wait for the transactions to clear before I could move forward with the dispute process. I filed an XXXX with the FBI and filed my disputes on XX/XX/2024. XXXX after filing my first dispute. I received XXXX emails from chime. The claim for XXXX was proven fraudulent and returned to my account. But the claim for XXXX was denied and no errors occurred. Even tho the exact same circumstances occurred. I filed my first appeal, I was told if I attached my copy of the XXXX it could help overturn my decision. I also requested the XXXX documents they used to deny my claim the first time. Not even XXXX hours has passed before I received a denial and that no errors had occurred. I called chime back and filed my second appeal. Attached information of my whereabouts at the time and a letter of reason. Only to receive another denial within XXXX hours. Chime support won't let me talk to the investigation team and have yet to receive the documents requested for them finding me at fault for the over XXXX dollars in transactions. I have proof that I was in Iowa an hour prior to the transactions being made in California.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am responding to your letter sent on XX/XX/XXXX via mail. I have reviewed and printed out the XXXX report LexisNexis is referring to on XX/XX/XXXX XXXX and I have attached it to this dispute. The LexisNexis report does not reflect the same information as the XXXX report that LexisNexis has claimed to use to verify this illegal bankruptcy. The LexisNexis report is full of errors and is reporting incorrectly, inaccurately, and is unverifiable compared to the XXXX report. First, Lexis Nexis stated you were able to verify the bankruptcy on my LexisNexis consumer file, because it shows my quoted full social security number by the nationwide consumer reporting agencies. The XXXX report does not display my full social security, which means this could be someone elses bankruptcy reporting under my name. I have highlighted and circled this inaccuracy in the XXXX record I have printed out. Next, the XXXX report does not display my full address at all neither my phone number as stated in the letter Lexisnexis sent me on XX/XX/XXXX. Lastly, the XXXX report shows XXXX XXXX the unverifiable bankruptcy is reporting in XXXX XXXX, but Lexis Nexis reporting the XXXX XXXX is XXXX. XXXX is a city in the United States XXXX XXXX. This is a visible inaccurate error LexisNexis is reporting. I have screenshot and time stamped the XXXX report showing the inaccuracies as of XX/XX/XXXX XXXX. As per the FCRA provisions 15 U.S. Code 1681i ( 5 ) ( a ) ( i ) - Procedure in case of disputed accuracy states In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer file. I am demanding for the third time that LexisNexis delete this inaccurate/unverifiable bankruptcy from my Lexisnexis consumer file. I am filing a better business bureau compliant and next I will send court LexisNexis to court if this bankruptcy is not removed/deleted immediately. I will sue Lexisnexis for willful non compliance under the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance. This illegal, unverifiable, inaccurate bankruptcy is ruining my credit worthiness to purchase a home.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

There is an XXXX account in collections for the amount of XXXX from XXXX. 


During this time I didnt reside at that location. I moved from the location in XXXX. 
I have disputed this account numerous of times. 
Asking that the company provide a sign contract with my signature. They failed to do so. But keep putting this information on my credit report every month.