davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

There was a debt of {$4400.00} that was owed to XXXX. It was paid out of our income tax return from the treasury on XX/XX/2023. TransWorld put that they updated to charge off instead of removing after collection was paid.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NJ)

On the XXXX of XXXX, 2020, I attempted to open a checking account with XXXXXX/XX/XXXX. They could not open an account because of information that was provided to them by a company called EARLY WARNING, out of XXXX Arizona. 
The bank provided me with the information of obtaining my consumer report from the above mentioned company. 
Upon calling the company on the XXXX, the representative sent me a form that I had to fill out and was told that they would email the report in 7-14 days. 
After no follow up from the company, I called them on the XXXX of XXXX and they stated that they had not received my request for the report. They then said that they would mail me a letter that I would have to receive, then call them and read them the letter before they would provide me with my own consumer report. I am a victim of identity theft and need the report to ensure no other fraudulent accounts are open. The company refuses to issue my report to me without making me go through hoops. 
It is illegal for them to withhold this information that they have affecting my ability to open a new account. I had to close previous accounts because of the identity theft. The company should be charged and held accountable under the consumer protection laws.
Consumer complaint received 2023-11-09
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. (FL)

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.

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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-21
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: Self Financial Inc. (TX)

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

SELF FINANCIAL/LEAD XXXX  XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to formally lodge a complaint regarding the handling of my auto loan serviced by Bank of America, where due to a technical glitch on their end, I have been unfairly penalized with excessive late fees over a period of 13 months without prior notification of the account being past due. Despite my attempts to resolve this issue with Bank of America, I have not received a satisfactory response, prompting me to seek intervention from the Federal Reserve Consumer Help.

Issue Details : In 2023, there was a technical issue when setting up my first payment for my auto loan through Bank of America. Due to this glitch, for 13 months, I have been unknowingly charged late fees for each payment cycle. It is important to note that I have never missed a car payment and was under the impression my account was in good standing until I was contacted by Bank of America a few weeks ago. The bank informed me of the past due status and the late fees accrued, which by then had amounted to over {$700.00}. Upon receiving this information, I promptly made an additional payment to bring my account current, yet I discovered that late fees were still being applied. 
I have attempted on several occasions to reach out to Bank of America for assistance and to request the return of the unfairly charged late fees and for my account to be credited accordingly. Unfortunately, my efforts have been met with lackluster customer service, with no individual able to offer a resolution or even the courtesy of a callback. 
Desired Resolution : Given these circumstances, I kindly request the Federal Reserve Consumer Help to intervene on my behalf to achieve the following resolutions : A formal investigation into the handling of my auto loan payment processing by Bank of America. 
The return of all unjust late fees charged due to the technical glitch, amounting to over {$700.00}, and a credit to my account for the same amount. 
An official reassessment of my account 's standing to ensure accuracy moving forward. 
The financial stress and frustration caused by this ordeal have been significant, not to mention the hours spent attempting to rectify this matter directly with the bank. I believe that Bank of America 's handling of my situation lacks transparency and accountability, directly impacting my financial well-being.
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

On XXXX I received my first email from MCM stating that they would be sending my information to their legal team if I did not pay them. I have not heard from them in any other capacity until that point. I do not know what the debt is for nor did they specify. XXXX XXXX was the email signature. There was no timeframe given in which I was to respond. I have not received any correspondence other than the email threatening legal action with no additional information.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Dept of Ed/ 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 2024-04-22
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: Westlake Services, LLC (FL)

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX  complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score dropped XXXX points overnight. I paid for my credit report but only saw genealogies nothing specific to indicate what was affecting my score by almost XXXX points. I called customer service but after collecting all my personal information was told they can't discuss my report over the phone just wanted to sell me credit reporting. I don't know what to dispute because I'm not sure what to dispute or what is affecting my credit based on what I can see.
Consumer complaint received 2023-03-05
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


COMENITYBANK/VICTORIA Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
Consumer complaint received 2023-08-09
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)

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate on XX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, XXXX and TransUnion refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (TX)

My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with UPLIFT, INC. and have never been LATE.

Because the instalments are AUTOMATICALLY drafted out of a bank account.

Have tried numerous times to reach out to UPLIFT, INC. and they can not find this account number in their system, which is negatively reporting on my credit report. 

UPLIFT , INC account # XXXX SHOWS 30 DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Consumer complaint received 2023-08-09
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. (CA)

XXXX XXXX used the credit services provided by XXXX to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the XXXX credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity
Consumer complaint received 2022-09-20
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. (TX)

Last month I pulled my credit report and noticed many accounts that on are inaccurate or do not belong to me. 
I sent Experian letters on XX/XX/XXXX2022 asking them to not only verify these accounts but to produce proof of the method of their investigation. 

Below I attached letters sent to this company on XX/XX/XXXX ( estimated time of arrival XX/XX/XXXX, mailing receipts showing when they received the letters, the 2nd set of letters stamped and signed by a notirized official and a mailing receipt for that as well.

Experian did not verify these accounts- 1st violation. 
Experian did not update the status of these accounts to under dispute by consumer- 2nd violation.

Experian did not provide their method of investigation- 3rd violation The only update I see to my account is that Experian added the same collection to my account TWICE! This is illegal. I asked them to verify XXXX Retail XXXX account and they ignored that request but on XX/XX/XXXX they added the same collections account to my report under XXXX XXXX XXXX XXXX It is illegal to have the same account posted twice but under two different names!
Consumer complaint received 2023-12-08
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. (MD)

I am contacting you to urgently address and rectify a significant error in the credit reporting by SELF/XXXX regarding my account ( Account # : XXXX ). This error pertains to late payment entries that have been inaccurately reported, constituting a clear violation of my consumer rights and a breach of the Fair Credit Reporting Act ( FCRA ). 

Immediate Rectification Required : The credit report inaccurately lists late payments on my account as of XX/XX/2023. This reporting is erroneous and is a grave error on the part of SELF/XXXX. I have consistently managed this account with diligence and responsibility, and there have been no late payments. The continued misreporting has unfairly impacted my credit score and stands as a detriment to my financial integrity.

Demand for Immediate Deletion of Erroneous Entries : I am not merely seeking correction but the complete deletion of these false late payment entries. The persistence of this incorrect information is damaging and unacceptable. As a consumer, I am entitled to fair and accurate credit reporting, as mandated by the FCRA.

Background and Key Concerns : Inaccurate Reporting Despite Dispute : Despite disputing this information, which was acknowledged as meeting FCRA requirements, the resolution remains unfulfilled. The failure to rectify this error is an ongoing injustice. 
Negligence in Address Update and Consequential Risks : After informing SELF/XXXX  of my change of address following mail theft, they neglected to update their records, leading to severe consequences, including misdirected communications and increased risk of identity theft and financial fraud. 
Legal Stance and Consumer Protection Rights : Under the FCRA, I am legally protected against unfair and inaccurate credit reporting practices. The inaccurate listing of late payments on my credit report is a direct infringement of these rights. Moreover, this misreporting could be viewed as an act of negligence, or worse, willful non-compliance by SELF/XXXX. 

Psychological and Emotional Toll : This issue extends beyond financial implications ; it has caused me significant stress and anxiety, exacerbating the feeling of being wronged and powerless against a flawed system. 

Conclusion and Ultimatum : I demand that SELF/XXXX immediately delete the false late payment entries from my credit report. Failure to comply will compel me to take further action, including seeking legal recourse for the damages caused by this reporting inaccuracy. 

Your prompt attention to this matter is not only expected but required. I trust the Consumer Financial Protection Bureau will advocate on my behalf to ensure that my credit report reflects nothing but the absolute truth of my financial conduct.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, Lexis Nexis, XXXX, XXXX, XXXX, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from Lexis Nexis, XXXX, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately