davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2019-11-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The collection agency contacted me stating that I have an unpaid debt and a summons from Ace Cash Express. I haven't had a loan in years from there and I don't think I have any unpaid debt as I settled any debts I had with them. 

They proceeded to get very aggressive and said, " We can do this the easy way or the hard way. Do you want me to call XXXX ( my sister ) or XXXX  ( My Mom ). I can make it look like you're calling them. '' The person then called my family members spoofing my numbers so it looked like me. They also called me pretending to be several of my family members and then said they could " make my life a living XXXX. '' I tried to get them to stop, but they wouldn't even let me talk, the guy just kept yelling at me and harassing me and my family members. 

XXXX
Consumer complaint received 2023-02-28
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: Self Financial Inc. (AL)

XX/XX/2021 Self Financial Inc/ Lea XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a 30-59 days late payment but the account was PAID IN FULL. I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I submitted a complaint to CFPB concerning Experian reporting XXXX XXXXXXXX Acct # XXXX, has violated my rights according to 15 USC 1681i Laws. I have waited more than 45 days and I have received no response from Experian. XXXX XXXX and Experian is holding me back from getting my family a home, higher credit limits and from getting funding to grow my business. This is very frustrating not only to me, but also my family ... .... 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 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 The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-14
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. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXnsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Consumer complaint received 2023-02-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Money transferred using moneygram website, with help of their partners, XXXX XXXX XXXX, in XXXX to transfer money from XXXX AUS ( Australian dollars ) to XXXX ( XXXX  pounds ), on XX/XX/2023. Entered XXXX bank account number in receiver information, as per representer from partner advised, as cash option was not available to choose from on website. 

Money was not accessible from XXXX XXXX XXXX, after transaction made. Error message ( attached ) advising transaction exceeds limits. Receiver visited few branches of same bank, banks confirming that they can not give cash in XXXX  pounds, as per their agreement with moneygram, hence that error comes up. Eventhough, transaction went ahead, accepting this currency. 

Sender ( myself ) complained few times to moneygram.Last outcome of case number XXXX XXXX, rejecting my refund request as money received by partners, eventhough, unaccessible.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (CA)

In XXXX of 2022 I entered into a lease with Tesla Financial. Since then, I had a temporary plate and NEVER received registration or my license plates. Tesla is not responding at all and I've been given the run around over the past year. In summary, I can not use the vehicle, furthermore, even not using the vehicle, I have been ticketed for just parking the car outside my house with plates.
Consumer complaint received 2023-03-09
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: WELLS FARGO & COMPANY (TX)

I am here by putting you in notice of the obvious violations WF DILLARDS has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX Debt Collector called and threatened litigation kept calling me by name as if they knew me. degrading me and demeaning me and calling me a liar when i told them I dispute the item and that it may be a case if id theft. I do not recall opening a bank account at bank of america right before 2015. I had one when my daughter was little but that was closed it was not left with an overdraft or anything like that, not that I know of. It was a real mean phone call and their goal was to cause mental confusion and severe stress. It was a bully tactic and it was so awful I was verbally abused terribly. They are not to contact me by phone ever again.
Consumer complaint received 2023-11-01
Product: Credit reporting 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)

I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Equifax -- XXXX - XXXXXXXX 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 2023-02-17
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- - XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -- -- -XXXX -- XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

in 2022 i called this company to informed them that i dont owe them anything or i dont owe the company who they are trying to collect for. the company park place apts sold me a surety bond stating that it will cover any expenses once i move out the apts. well when i moved the company did not hold up their end of the bargain. i have a legal binding document stating that i am not responsible and that i was covered by a bond that they sold. park place apts are a scam and scandalous. these apt was bought out due to poor customer service and stealing from customers. why sell a product if its not going to cover the insured. i contacted national credit systems and uploaded proof but the continued to be rude to me and demanded that i pay. i also had park place attorney to call to let them know that i dont owed anything and they continue to be rude. national credit systems need to be investigated for fraud collection
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (AZ)

I have an account with XXXX XXXX and they will not return phone calls or close my account. I have called and written to request my account be closed and I can not get anyone to help. 

My account has been frozen without reason for over 6 months.
Consumer complaint received 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting act, the Capital One account ending in XXXX has violated multiple of my federally protected consumer rights. I am requesting that the creditor CAPITAL ONE update my consumer report at once. Capital One has reported XXXX late payments to my consumer profile unlawfully. Below are the following errors being reported by capital one. 

XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) All these late payments must be updated or removed at once, there is no excuse these items might be accurate but they shouldnt be reporting to none of my consumer reports.This practice is UNLAWFUL and against my consumer rights. 
Capital one has violated the consumer law 15 U.S. CODE 1666b ( a ) This law states ( a ) Time to make payments 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ), of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Meaning that capital one would have to have sent me a periodic statement with information on late payment 21 days prior to my statement being due. Capital one has failed to do this since I have been a member ( XXXX ). If capital one claims to have sent me this information each more 21 days before my due date, I am requesting all documents of this sent via mail within the next 30 DAYS supporting the Fair Debt Collection Act ( FDCPA ). 

OTHER CONSUMER LAWS CAPITAL ONE HAS BROKE SUPPORTING MY REASONING FOR DELETION! 

15 U.S.C 1605 ( A ) - This law states The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Meaning a finance transaction is already paid in full when the item or credit is financed, creditors can not report late payment to a consumer bureau. The payment was made in full the moment the finance charge took place to receive the item or funds financed. I AM REQUESTING THESE LATE PAYMENTS BE UPDATED AT ONCE.

15 U.S.C 1681 section 602 A. States I have the right to privacy when it comes to what is being reported to my consumer report. I AM REQUESTING THAT LATE PAYMENT NOT TO BE REPORTED ON MY CONSUMER REPORT.

THIS IS MY SECOND ATTEMPT TO RESOLVE THIS MATTER PLEASE UPDATE OR REMOVE THESE ACCOUNTS AT ONCE, THERE IS NO EXCUSE!
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since TRANSUNION, XXXX, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   AND XXXX XXXX ARE ALL IN VIOLATION. TRANSUNION, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!