davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (TN)

Back on XX/XX/XXXX I told Capital Link Management that they are not to contact anyone other than myself about my debt. They called 2 of my family members and told them I owed money. I made it clear they are not to call anyone else ever again. Well they are now calling my family members again. This is harassment. I made it clear back in XXXX they needed to stop and they arent. And telling my family I owe money. Thats not okay.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I obtain a forbearance from Carrington Mortgage in XXXX of 2023 due to water damages to my home as a result of hurricane XXXX. Insurances companies have been cancelling home owners policies for no cause, I was already paid a high premium. I reached out to the lender for help. I could not live in the home due to window and flooding damages. I chose to make the needed repairs myself. I was approved for 4 months of no payments without penalties-late charges or reporting to credit bureaus. 

Additionally, I experienced a person tragedy-my only son was critically sick in a coma in ICU from a XXXX shot wound to his face. Unfortunately, like XXXX of young Americans he did not have health insurance. I was force to fight to save his life by paying for a lot of his health care. 

I request that Carrington put the outstanding amount to the back of the loan-they refused. I was told that all outstanding payments must be brought current. This was the only option. I spoke with several representatives from the loan department- at no time was i told that the forbearance will be negatively reported. 

I took money from my retirement fund and made the full payment-bringing the account current. I called several times and spoked with represents I subsequently made ALL payments on time until the selling of said property in XX/XX/2023. 

I was appalled to find out that XXXX report me as being late for XXXX days. This has negatively impacted my credit. This is unethical and wrong! Must I be penalized for the next 7 years? 

I am respectfully asking for assistance in expeditiously resolving this issue.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX is seling incorrect information to Transunion and XXXX. I have expressed to XXXX XXXX XXXX  that I have an equitable interest in the note that is being used. Transunion and XXXX are major data furnishers that are selling my information for gain which makes this a financial institution because their intent is to gain capital gains. I have trade repeatedly to get these companies to follow federal law.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX and Transunion continues to report information they know is incorrect. XXXX XXXX was transferred the contract which does not give them full rights furthermore the contract is the security that is being sued in this credit arrangement which entitles me to equitable relief since it is traded for profit. XXXX XXXX cnnpt produce the ORIGINAL contract or collateral security because they are not entitled to any of it's profits and holding the security without a meeting of the minds violated my contracting right in commerce. Is XXXX XXXX forcing performance? XXXX XXXX is selling this alleged information to Transunion and they are reporting the information to damage my consumer report. All of this is done for profit which makes their investigation biased as they have monetary gain.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WELLS FARGO CARD SERVICES XXXX
Consumer complaint received 2024-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I'm asking for lower payment options and I give them all of my payment options and I still can't afford the " so called lowest payment that they '' can give me is {$120.00}, when previously it was {$60.00}. It has done nothing but get higher and higher. I'm a single mother I do not qualify for welfare. I have rent, car note, groceries to buy. They aren't giving me any other options while they destroy my credit.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

first i was ripped off by XXXX  and their XXXX XXXX  to the tune of XXXX dollars. when i filed a dispute with regions to try and get my money it didnt work. so i got mad and closed my accounts with them but left my checking account open with XXXX dollars in it. a week later they charged me a checking account which overdrafted the account. then i received a refund from XXXX for XXXX dollars which should have left XXXX dollars in there. now that transaction has disappeared along with the rest of my money!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Vertical Screen (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (IL)

I bought a car on XXXX XXXX XXXX  from Byryder in XXXX XXXX who has in house financing ( CNAC  ). I pay the loan biweekly, I was told I have to also pay for XXXX insurance through them so my biweekly payment equals XXXX every XXXX weeks for a XXXX XXXX XXXX. My biweekly payment was due today, so I called yesterday and spoke to XXXX to ask if it was possible to defer this payment or if there were any programs that might help me catch up on the loan. I explained that my job has been slow and I really haven't been getting many hours. I explained that after the holidays work slowed down, and everyone was trying to get shifts, but there were none available. XXXX explained that my account manager was not in that day, but asked me to send check stubs to provide proof, and she would forward the information to my account manager XXXX. I sent my last XXXX check stubs and waited for someone to call me back. I received a call this afternoon from XXXX who told me there was nothing they would do, and if I didn't make the payment they would put my car in repo status. Later that day my mom and I called the corporate office to speak with someone there. We explained what was going on and that women transferred the call to someone that could " help us ''. A woman picked up the phone, who said she would try and extend the due date to next Friday and added the next payment would be due the following Friday as well, put us on hold and came back and said she could not do that. I asked if there were any other programs that could try and help, and she said that there was nothing she could do to help. I explained that next week I would be back to my usual XXXX shifts per week, and just needed this help to catch up. She put us on hold, all of a sudden a man who said his name was XXXX picked up. He said that we asked to speak to a manager, which we did not, so we ended up going over the whole situation with him again. After speaking with him for over XXXX minutes, we were basically told that there was nothing they could do to help, they were unwilling to make any effort and even though I have never missed a payment before that didn't matter because they have a XXXX tolerance policy.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/year> I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
Consumer complaint received 2023-12-21
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am writing to file a formal complaint against JPMCB regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified JPMCB that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JPMCB has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JPMCB complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JPMCB. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is 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 2023-12-20
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by 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
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (SC)

Subject : Unauthorized Access and Collection Account on My Consumer Report Dear BullCity Financial Solutions, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that BullCity Financial Solutions has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604.

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies.

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. 

In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer.

Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. 

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance.

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, BullCity Financial Solutions promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect BullCity Financial Solutions to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA.

Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for BullCity Financial Solutions , as provided under Section 616 of the FCRA. 

Done in good faith.
Consumer complaint received 2023-12-20
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (SC)

I am writing to file a formal complaint regarding a COLLECTION account labeled " FIRST HERITAGE CREDIT XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ) Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing errors.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit history, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment.
Consumer complaint received 2023-12-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.