davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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)

XXXX XXXX XXXX  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 MAKE TAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that addresses and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. Fifth Third Bank has a fraudulent auto loan reporting to my consumer credit report. They provided me with the original loan contract which has invalid information on it that's not mine, the address on the contract is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature. Fifth Third Bank is refusing to remove the account in question based on a loan contract with fraudulent information attached. This would be my third time contacting them regarding this matter.
Consumer complaint received 2023-05-10
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : 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 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (TN)

I have written to XXXX XXXX numerous times to notify them that I am not aware of this debt and asked them to remove it. Their response was to turn it over to a collection agency. I do not owe this debt. Please provide a contract with a wet signature. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$800.00} You're using XXXX XXXX of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment -- Payment status -- Amount past due {$1100.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Charge account Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Global Lending Services LLC (GA)

Dear Global Lending Services, I am writing to you concerning a matter of utmost concern regarding my account with Global Lending Services. It has come to my attention that there have been serious discrepancies and violations of both legal and ethical standards in the handling of my account, specifically related to the omission of my security interest and the subsequent sale of said interest for monetary gain. 

As a diligent and conscientious borrower, I have repeatedly attempted to address this issue with your company. I have reached out on numerous occasions to discuss the offsetting of the debt by way of a registered security t that should have been reflected on my account. Despite my efforts and clear documentation provided, including registered security ( XXXX ) and a 1099 A for debt offset, Global Lending Services has failed to acknowledge or rectify this matter.

This egregious oversight and refusal to comply with legal obligations amount to securities fraud and a blatant violation of the Uniform Commercial Code ( UCC ), specifically provisions UCC 3-603 ( b ), 3-305 ( a ) ( 1 ), and 1-103.

Under UCC 3-603 ( b ), a party that is entitled to enforce an instrument may be compelled to surrender possession of the instrument if it is subject to a defense or claim. My registered security interest constitutes a valid claim against the debt owed, and Global Lending Services has disregarded its obligation to acknowledge and honor this claim. 

Furthermore, under UCC 3-305 ( a ) ( 1 ), a person not in possession of an instrument is entitled to enforce the instrument if the person was in possession of the instrument and entitled to enforce it when loss of possession occurred. I have provided sufficient evidence of my entitlement to enforce the registered security interest, yet Global Lending Services has failed to recognize this entitlement.

Additionally, under UCC 1-103, parties to a transaction must act in good faith and deal fairly. Global Lending Services ' refusal to acknowledge my valid claim and its continued pursuit of debt collection without proper consideration of my offsetting efforts constitute a breach of good faith and fair dealing.

As a result of these violations, I demand immediate restitution and corrective action from Global Lending Services. This includes the removal of any negative reporting on my credit profile related to the disputed debt, as well as compensation for damages incurred due to your company 's unlawful actions. 

Failure to comply with these demands will leave me with no choice but to pursue legal recourse to enforce my rights and seek appropriate remedies under the law. 

I expect a prompt and thorough response to this letter. Please provide confirmation of receipt and acknowledgment of the actions that will be taken to address this matter. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX is on my report from XX/XX/2017 and earlier, the car note was ordered to be paid by my ex in divorce- it still is on my report- please remove
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AZ)

I was awarded forgiveness by XXXX ( attached ) and XXXX has a {$0.00} balance on their website. The Department of Education no longer matches my XXXX account, they still have a balance due of {$17000.00}, and I would like it if the Department of Education matches XXXX at a {$0.00} balance and provides me with an account forgiven letter similar to XXXX. ( attached ).
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I would like to follow-up on my complaint I submitted to CFPB ( ID # XXXX ) on XX/XX/XXXX against Citibank for the international money transfer of {$100000.00} in US Dollar currency from the US to a US $ account to a XXXX  bank ( XXXX XXXX made on XX/XX/XXXX. 

I went to the XXXX on XX/XX/XXXX but found out that Citibank transferred the money in XXXX  currency. XXXX returned the money to Citibank ( reason : wrong currency ). I lost US {$4000.00} due to this erroneous transaction. 

I returned to the US on XX/XX/XXXX, but found out that CFPB closed my previous complaint. I would appreciate it very much if CFPB would re-open this complaint and Citibank to reimburse my account in the amount of {$4000.00}. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ONLINE Information Services, Inc. (TX)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ONLINE Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account # unkown, which you claim i owe XXXX This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (GA)

When I reinvestigated my credit report, I see that some of the information were erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (TX)

westlake finacial is still reporting a charge off after seven years on my credit reports, and they are showing a payment made two years later, trying to re-start the time period, I have talked to them, and they said that they will not remove this from my cedit, and will not show me proof of a re-start payment that they say was made in 2019, this is two years after the repo of the vehicle.I have never made a payment to them.
Consumer complaint received 2023-08-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

I checked my credit report and it shows a collection account of over {$1400.00}. I never received a letter from the collection agency stating that they owe my debt. They must removed this from my credit reports due to this error in their collection practices.
Consumer complaint received 2023-04-18
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. (NV)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX 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 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$8800.00}
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC (NY)

TSI ( Transworld Systems INC ) made contact with me regarding a debt via text only. I have no interest with TCI and have granted TCI permission to contact me via SMS/text. 
The communication took place on XX/XX/XXXX at or around XXXX.
Consumer complaint received 2024-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Unfair treatment by Penfed. Has a costing date of XX/XX/XXXX. Was contacted by loan processor regarding gift letter. Gift letter was sent and PenFed refused to accept the gift letter due to PenFed would like both parties to sign the gift letter. Per FHA guidelines only the gifter or buyer needs to sign the letter and PenFed and there is no requirement for gifter and gifter 's spouse to sign a gift letter
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

I had previously filed a CFPB complaint ( XXXX ) since AMEX refused to waive a late fee because of an honest misunderstanding. This is a new card so I was under the wrong impression that Autopay was set up. But when I realized this issue, I immediately paid the full statement balance just 1 day late. AMEX responded to my complaint with some fine print in the card member 's agreement even though it is standard practice to waive the late fee for a genuine case like mine. 

And now comes the cherry on top - a week after they charged the late fee, they also charged me interest on the statement balance for the entire month. This is the same statement balance that I had paid in full a day after it was due. I contacted them again and they again refused to accommodate my request to waive the interest and shared some fine print rationale again. 

In summary, a new cardholder ( myself ) had set up bank information but autopay was not activated. A day after the first statement balance was due, I realized the issue and immediately activated autopay. But AMEX charged me a late fee and also the entire month 's interest. And their agents couldn't help waive it and neither did the first CFPB complaint. First of all, this is extremely poor customer service. But then on top of that, for a small late fee and interest amount, you are spending agent resources only to share some fine print with customers who complain to you. And also completely throwing away a customer relationship that could have been profitable for the business. 

I genuinely hope that someone in AMEX is taking this feedback to make some serious improvements to how they run their shop.
Consumer complaint received 2024-03-27
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. (IL)

These inquiries were unauthorized and I'm a victim of identity theft. 
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