davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was contacted by a debt collection company by the name of Genesis pertaining to two small collections from apartment complexes. These collections are relating to application fees for apartment complexes that were applied for under my name from a person pretending to be me. The debt collection company. Requires me to send them a number of documents, verifying my recent home address, as well as a signed and notarized complaint to the CFPB. Once I provide these documents, I am told they will close out the collection. 

They explained that there is a collection from XXXX XXXX  from an application made on XX/XX/year>. That collection is in the amount of {$580.00}. The second collection is from XXXX XXXX XXXX from an application dated XX/XX/year> in the amount of {$100.00}.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (NY)

I financed a XXXX XXXX XXXX on XXXX second XXXX approximately XXXX weeks later the car was stolen. They recovered the car it sat at the car repair shop for XXXX months before I got it back approximately XXXX weeks after I had gotten it back from being fixed through XXXX XXXX XXXX XXXX the camshaft position advanced and had to go to XXXX XXXX XXXX of XXXX to put a brand new engine in the vehicle. Do to the car being stolen and then having to have a new engine replaced I have lost my job and have not been able to make the payments on the car. I called and tried to work something out with XXXX a payment plan anything and they will not work with me whatsoever and out ofXXXX months having the vehicle I only had it in my possession for five or six weeks all I ask for is knowing that it was stolen and also had to have the engine replaced if I could make a payment and add on the additional to the total cost of the vehicle but still just make the regular payments every month and they would not work with me
Consumer complaint received 2023-09-01
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. (MA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

Credit bureaus reports XXXX XXXX repossessed the loaned vehicle and the vehicle was paid off. This statement is contradictory. 



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 an 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 2024-01-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (DE)

XX/XX/2023 someone opened an online personal loan with XXXX XXXX using my information without my consent or authorization. I am a victim of identity theft. I never applied, opened or received any funds from XXXX XXXX. The ID thief paid on the loan for a few months then it went into debt collections. I discovered the fraudulent activity when the debt collection account showed up on my credit report. I filed a police report, an FTC ID theft report and obtained an affidavit of forgery. I am now being harassed by the debit collections company. I have filed disputes and requested an investigation with XXXX XXXX, Security Credit Services and now XXXX XXXX XXXX. Today I received an email from XXXX XXXX XXXX advising that XXXX XXXX and their client Security Credit Services deemed the debt as valid to me because someone paid on loan. The companies did not investigate as I requested because I can prove that I did not make any payments to XXXX XXXX My personal information is part of the XXXX data breech. In writing I have requested any and all information pertaining to this fraudulent loan be sent to me. None of the companies involved have sent me any information as requested. I am not going to be held liable for a loan that was opened fraudulent in my name.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX  XXXX, VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( XXXX, XXXX, and TransUnion ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VT)

Comenity Bank ( the bank for the credit card ) said my payment was late. XXXX added late charges and interest. Both Comenity Bank and XXXX were told that timely payment was made ( on XXXX XXXX ) and, in fact, the payment was deducted from my bank balance on the same date. I was assured by a XXXX supervisor that she brought my balance to XXXX. Never happened and it has dramatically effected my credit rating.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XX/XX/23 I wrote to all three credit bureaus, XXXX, Equifax, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently made timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Consumer complaint received 2023-09-25
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There were multiple fraud charges made on this account that was reported in time to Kohl 's Fraud team. They removed the charges, issued a new card. Then the charges came back to my account with no explanation on the resolution. I contacted them, they took the charges off temporarily, then months later they put them back on. This process went of for over a year and a half with no explanation on what they found. I finally was able to get a hold of someone, they stated why they state the charges where mine because they where shipped to my house. They never once told me that from the first fraud claim, so I could research this more. They just pushed it out so I couldn't retrieve any information from XXXX or whoever shipped the products to get proof of delivery. 

I never made or authorized these charges and want them removed from my account.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1100.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting ACT I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

Basically i am trying to buy an item on XXXX and everytime it says payment revision needed but there is enough money on my account for the item, also it is giving me XXXX cent fees that keep on pending. 
i really need this card to work.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was paid in full and refuses to remove me from the credit report they were not only paid they made between 2 to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX was paid in full and refuses to remove me from the credit report they were not only paid they made between XXXX to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Consumer complaint received 2024-04-24
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. (ME)

On XX/XX/2024, XXXX XXXX XXXX in Maine ran my credit and used for another purpose other the one authorized and my score dropped significantly which impacts negatively my eligibilty for new credit. 

Information on my TransUnion credit report XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Requested On XX/XX/2024 Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX
Consumer complaint received 2023-10-31
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: CBC Companies, Inc. (LA)

I recently found a memo from XXXX stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and XXXX are willfully neglecting and non compliant to the FCRA laws
Consumer complaint received 2023-11-03
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)

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. 
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 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX  my ex-husband walked into 5/3rd bank and cleaned out my daughters checking account and closed it out. There is a XXXX XXXX XXXX against him as he continues to harass my family and I. Please note that this account was open with our name on it when she was a XXXX. I still had access to the account online, but we were unaware he was on the account at all. My daughter who is now XXXX has been the sole person depositing and withdrawing on this account. That being said 5/3rd bank on XXXX XXXX in XXXX Illinois did not even question him as never withdrawing from this account. They never reached out to the main account holder, and they let him steal close to {$4000.00}. I went in the bank to ask for documentation to take to the police department. XXXX was rude and told me to go online and get the documents. I said that my account was closed, and I had no access to the documents anymore. He basically told me to leave. I talked with the branch manager XXXX a few days later. She told me she does not care. I can take my accounts elsewhere and if I want documents, I should have my lawyer subpoena them. With so much fraud, I want a bank that looks out for their customer. Is it even legal to close out a joint account without approval from all those on the account?
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

This is my 9th 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 Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2023-09-01
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

In XXXX of XXXX contracted with Security Services Federal Credit Union to finance the building  of my home. For the last 13 months I have been paying interest on a construction loan as my builder has not finished or been reasonable in a resolution. I have spent nearly {$40000.00} in legal fees, loan extension fees, taxes, and interest payments. 

I signed a one time close contract where my loan would convert to a 30 year mortgage when the construction was complete. During the building process I had challenges with the builder as he was having financial issues to finish the home. The builder is in default of the of Security Services Federal Credit Union 's contract following reasons. 
XXXX. Not providing change order request or approvals from the bank for any overages or any overages outside the contracted budget. 
XXXX. Completing the building process within the allotted contracted time. 
XXXX. Not completing the building process with quality industry standard workmanship. 

Furthermore during this process there were several inconsistencies in mistakes from Security Services Federal Credit Union for example .... I was told funds could not be disbursed to the builder because the builder didn't carry builders risk insurance even though I did. For several months I actually carried builders risk insurance and homeowners insurance simultaneously per the SSFCU 's request. Security Services Federal Credit Union has since apologize for this mishap. This caused delays with the building process and started a down hill snowball effect. Most recently on XX/XX/XXXX Security Services Federal Credit union offered to convert the loan for the amount that was used and rescinded that offer the same day. When I asked why this happened I was only told I must work things out with the builder. 

Security Services Federal Credit Union has stated that the loan must convert on XX/XX/XXXX or I must pay {$360.00}, full amount what has been used in the construction account.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/2022
Consumer complaint received 2023-08-11
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. (MO)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.