davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00}
Consumer complaint received 2023-06-14
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. (TX)

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

Hello, I sent in the full total amount due on the account, this would pay off the balance on the account. I sent the check on XX/XX/2019. I recieved a letter in the mail stating I had a late payment on the account. I called and XXXX XXXX XXXX said they did not process the check until the XXXX, thus causing the late fee. It should not have taken 11 days to process a check. I was dudilligent and made sure to send the check early so this would not have happened. They forced the late fee into my account wrongfully. I should not have to pay a late fee that is at the fault of the company, not mine.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (GA)

On XXXX XXXX I applied in good faith for vehicle financing at XXXXXXXX XXXX XXXXXXXX car dealership. One of the banks/lenders that denied me was Consumer Portfolio Services. I the consumer and natural person was denied credit by Consumer Portfolio Services when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). Consumer Portfolio Services is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Consumer Portfolio Services due to the response I received. Consumer Portfolio Services is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Consumer Portfolio Services. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.
Consumer complaint received 2023-06-14
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M1 Holdings Inc. (TX)

I moved more than {$270000.00} dollars from my XXXX account to M1 finance. It has been more than 3 weeks, my account is restricted and no matter how many times I provide my documents ( Passport/ Social Security card/ Drivers License ) they don't listen to me. They say we can't validate your identity. I offered them option to have me fly to the XXXX ( their headquarter ) so that I can provide retina scan and fingerprints to verify my identity, they wouldn't do that, They are trying to scam me by sitting on my life 's saving and collecting interest on it while giving me excuses that they can't verify my identity and my account is under review for 3 weeks, They wouldn't let me touch my own money. 

They are online bank/brokerage and they are fraud. To get rid of them, I even initiated an ACAT transfer to XXXX XXXX, which is a regular local brokerage who has office right by my house so that I can finally access my fund by personally visiting XXXX XXXX XXXX, they declined that ACAT transfer to XXXX. so that M1 finance can sit on my XXXX  XXXXXXXX XXXXXXXX XXXX savings for unlimited amount of time collecting interest on it and denying me access of my own fund.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA.

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late payments after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected.

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.
Consumer complaint received 2023-09-05
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: American First Finance, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time. 

Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

We sent a certified letter dated XX/XX/2023 requesting that they cease and desist contacting us. We received a letter dated XX/XX/2023 from them alleging we claimed we were victims of fraud and requesting the documentation to prove it. We did not make such a claim.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (OR)

On XX/XX/2023, I opened a new XXXX XXXX XXXX account at BMO Harris bank using their website directly which had advertised a signup bonus of {$300.00} after a direct deposit of {$4000.00} in 3 months. It's been over 3 months and I have received direct deposit of {$4000.00} in my bank account. But the bank says that my signup bonus was declined because I used the wrong promotional code while opening the checking account. However, I opened the bank account directly using the link from the bank promotional page where the promotional code was pre-applied so there is no chance of using the wrong promotional code with the type of checking account I opened. My sign up bonus was therefore declined as promised.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

We had money in a CD at Marcus that matured. The funds were moved briefly into our Marcus savings account while we decided what to do with them. We decided to transfer the funds to a different financial entity to pay for a large purchase. My husband initiated the wire transfer and was told it went through, so we wrote the check. But the money didnt go through. They cancelled our transfer and told us we could only transfer it into the account that it came from. What? The funds are ours, from a CD held with their financial institute, and when we need them we cant access them? This is unacceptable. We need access to our funds.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (NC)

XXXX Acct # XXXX  The information being reported on credit report is still inaccurate! I have filed an initial dispute then another dispute TWICE with EQUIFAX about the same information and they updated the information again with INACCURATE information is still INCORRECT. The information is affecting my credit score negatively and I DEMAND THIS ACCOUNT BE REMOVED FROM MY REPORT
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting Act this company have violated my consumer rights. Under the FCRA 15 USC 1681 section 602 states that I have the right to privacy as a consumer. 15 USC 1681 section 604A also states that a consumer reporting agency can not furnish an account without my consent or willing instructions. Furthermore, under 15 USC 1666B section A, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Capital One - made reports of late payment about my open-end credit card account in the months of XXXX and XXXX for the year of XXXX ; in XXXX late payment reports were made for the months of XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX ( XXXX ) XXXX Charge Card XXXX XXXX XXXX Phone Number UnavailablXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX Account XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: M&T BANK CORPORATION (PA)

Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.
Consumer complaint received 2023-06-28
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. (MD)

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have asked them numerous times to stop calling my place of employment. They are calling numerous times a day and telling co-workers that they need to speak to me about a very personal debt issue. They have been asked by my supervisor NOT to call here but they continue to call.They are also calling me at XXXX and up to XXXX and they call in upwards of 10-15 times a day. I may lose my job if it continues.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (AL)

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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of EdXXXX : # XXXX, Dept of Ed/XXXX   : # XXXX, Dept of EdXXXX : # XXXX, Dept of EdXXXX  : # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX