davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address a concerning issue regarding the reporting of my credit history by Experian, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with XXXXXXXX XXXX identified by account number XXXX or XXXX as it appears on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is crucial that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that XXXXXXXX XXXX is inaccurately reporting a late payment on my account to Experian. 

This discrepancy is particularly troubling as the late payment is not reflected on my credit report with XXXX nor XXXX. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, XXXX XXXX is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, XXXXXXXX XXXX is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from XXXXXXXX XXXX XXXX as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to manage the disclosure of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX XXXX XXXX reporting. I also request that XXXXXXXX XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have been disputing this account for some time now with National Credit Systems. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Harvest Asssociates would verify the debt. So I took it upon myself to ask Harvest Asssociates for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it
Consumer complaint received 2024-02-27
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (IA)

World Remit debited my account for XXXX on XX/XX/21 and have no record that the activity occurred from their review. Bank ( XXXX XXXX XXXX XXXX ) statement and confirms show this unauthorized transaction. Bank not willing to help me resolve and state money is with remit. Remit has no record of this transaction.I am at a loss of XXXX dollars which can not be accounted for.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (AZ)

My name is XXXX XXXX, phone number is XXXX, email XXXX. 
I am reaching out regarding my auto loan with TD Auto Finance. Back in XX/XX/2021 I made 2 payments to my auto loan, one for the month on XXXX which was late with total of {$520.00} & then one for the month of XXXX on time with total of {$500.00}. Somehow my bank account was charged twice for the XXXX payment of {$520.00} so they refunded me for the one of the charges. However there was some sort of hole or mishap between my bank and the finance company as it caused my account to be shown as not current showing that I made no payment for one of the months. When they contacted me I sent in documents of my bank account showing proof of my payments 3 times and Ive been going back and forth with my finance company for 3 months now. I then got sick with XXXX and was unable to make my payment for the month of XXXX & when i contacted them to get assistance or extension they were very rude and not helpful considering my account is showing as behind already, and they told me to either refinance or they will repossess my vehicle.. So now my account is showing as behind 3 months. I am in a very financial hardship and just need help with either doing a payment plan with them or getting assistance with me loan. I can not afford to pay the full amount due right now and I am still working on paying my other bills as well. I have no way of figuring this out. I tried ro refinance my vehicle but a down payment of {$2300.00} was required due to the negative equity on the vehicle. I am hoping you guys can help me with this please!! Thank you.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX and Equifax 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-08
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: VEROS CREDIT, LLC. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MO)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and XXXX XXXX. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-03-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC (FL)

In process trying to refinance with LoanUnited.com -- - Started Refinance on XX/XX/2021 with LoanUnited representative Mr. XXXX XXXX. 

XXXX XXXX XXXX Mortgage Loan Originator XXXX  # XXXX | Email : XXXX Direct : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX Received email and multiple telephone calls that we were going to close on XX/XX/2021 .... and have received no further notifications other than an email stating please be patient ... no calls, nothing .... Seems vastly unprofessional and I would be terminated if my customer service skills were performed at the same level as this company. 

I've asked to speak with the CEO/Owner or whomever is in charge and nothing, no response, no attempts at contacting me by phone or email. As a side note I have sent multiple emails voicing my frustration with no response as well, other than an email from Mr. XXXX stating to please be patient ... this company should be shut down and those at the top should be thrown in prison. 

Additional contacts from emails I've received from LoanUnited.com are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Processor Email : XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This is my second attempt at getting fraudulent inquiries removed from this credit bureau. I have attached all necessary documentation required under the Fair Credit Reporting Act. I am unable to procure needed financing as a result of these inquiries that I did not authorize. Someone used my information. I do not know why this credit bureau is refusing to review these and remove them from my credit report. I will be seeking counsel if this matter is not resolved at this attempt.
Consumer complaint received 2021-10-08
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: USCB, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-01-06
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. (MO)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (CA)

On XXXX, I tried to log into my account with Avant. I had previous loan with them which I paid off. I was just trying to see if I could possibly take out another small loan. However, after I entered my User name and Password and taken to the next screen to enter my personal information. It didn't recognized my info. I reentered it several times where I was locked out, told to call them. So, I decided NOT to apply or inquire about any product from Avant. Then around at XXXX XXXX  I received a email saying that I was denied a loan based on my credit score. I NEVER APPLIED FOR ANY LOAN WITH THIS COMPANY. SO NOW THEY ARE STATING I WILL have a INQUIRY on my credit report. This is not accurate information. Since, I never inquired anything since I WAS LOCKED OUT OF MY ACCOUNT. What I find upsetting is that is putting false information and VERY Deceptive practice. I really do not need anything on my CREDIT REPORT From this Company. I have been working hard to build up my credit score and now this AVANT is putting a false inquiry on my credit report. Please ask them to withdrawal it. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXXXXXX XXXX XXXX  XXXX XXXX due to it's predatory lending practices have adversely affected me. 

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. 

Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 that no consumer agency may make any consumer report containing any of the following items 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 information is inaccurate.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

I opened a new checking account that comes with a {$500.00} bonus in XX/XX/XXXX. The term was to deposit and maintain at least $ XXXX, and the bonus would be deposited on or before XX/XX/XXXX. I didn't see it on XX/XX/XXXX, so I sent a secure message in the online banking. No response. Tried again on XX/XX/XXXX but still no one look into it. I called the number at the back of my debit card. A customer service looked in the system for 40 minutes and then asked me to go to a branch to try. I feel I'm being kicked like a ball and no one really wants to honor the promised term. I request deposit {$500.00} bonus to my account immediately. Please see all the supporting documents attached
Consumer complaint received 2024-02-27
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. (MO)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove late closed accounts from my credit report. Despite my repeated efforts and assurances from your company, these derogatory entries persist, impacting my financial reputation and opportunities. 

Over the course of several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Unfortunately, each attempt has yielded temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The persistence of these late closed accounts on my credit report has had significant consequences, including hindering my ability to obtain favorable terms on financial products and negatively impacting my credit score. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (TX)

I called at XXXX XXXX  on XX/XX/21 to make a payment because I was unable to make it online. After being connected to the rep, I am told what my payment options are. I choose to use a bank draft instead of a card. I am then told that the only way I can pay is with a card and I will be charged a {$7.00} convenience charge. With no other options to pay, there is no reason a fee should be charged. This practice is abusive and greedy so KMF can make even more money. I was already charged a fee for the returned payment, which I agreed to in my contract. I did not sign up to be swindled out of more money just to make the missed payment.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Consumer complaint received 2021-10-08
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. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

FIFTH THIRD BANK PROVIDED ME A COUPON OFFER FOR MOMENTUM BANKING WITH A {$700.00} CASH BONUS. WHEN I ATTEMPTED TO OPEN THE ACCOUNT ONLINE, AFTER THEY VALIDATED MY DRIVERS LICENSE AND SSN, THEIR WEBSITE SAID I ALREADY HAD AN ACCOUNT WITH THEM. 

I CALLED AND WAS TOLD THAT ACCOUNT WAS OPENED IN XXXX AND CLOSED IN XXXX. 

THE COUPON TERMS STATE " OFFER NOT AVAILABLE TO EXISTING FIFTH THIRD CUSTOMERS OR THOSE WITH A FIFTH THIRD CHECKING ACCOUNT THAT CLOSED WITHIN THE LAST 12 MONTHS. '' BECAUSE I CLOSED AN ACCOUNT FIFTEEN YEARS AGO, I AM INELIGIBLE TO GET THE BONUS BECUASE I'M STILL AN " EXISTING FIFTH THIRD CUSTOMER. '' FIFTH THIRD IS COMMITING FRAUD IN ITS INDUCEMENT AND ADVERTISING TO " NEW '' CUSTOMERS.