davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (MI)

On XX/XX/2024 I sent a certified letter to AES stating : RE : Account # XXXX Pursuant to Section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.10 ( a ) ( 1 ) ( i ) ( iv ) ( b ) and ( c ) there are requirements that must be met when informing consumers of their rights and the limits on disclosure of nonpublic personal information to nonaffiliated third parties. Your companys failure to comply with mandated laws has resulted in unlawful reporting of information to my consumer reports. 
12CFR 1016.10 states : ( a ) 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 1016.4 of this part ; ( ii ) You have provided to the consumer an opt out notice as required in 1016.7 of this part ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out. 
( b ) Application of opt out to all consumers and all nonpublic personal information. 
( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship.

( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer.

( c ) Partial opt out. You may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

Furthermore, pursuant to FCRA 623 ( a ) ( 7 ) ( G ) ( i ) You must provide the notice either before you furnish the negative information or within 30 days of furnishing it. You may include the notice with a notice of default, a billing statement, or another item sent to the consumer, but you can not send it with a Truth In Lending Act notification. The notices must be clear and conspicuous. Your company has failed to comply with FCRA 623 ( a ) ( 7 ) ( G ) ( i ) as well. 

Your companys failure to comply with the laws referenced above are an egregious violation of my rights as a consumer. Promptly remove any accounts and any information associated with said accounts from any nonaffiliated third party data bases including but not limited to XXXX, XXXX and XXXX. Failure to do so will require me to seek alternative remedies. 

They sent a response letter stating they received my letter but they need more information to allow them to investigate. Both letters are attached. My letter was clear, they violated my rights and they have all the information they need.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CT)

Sheriff arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, CT XXXX on behalf of Wells Fargo regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I was sent to collections and received a letter about a past due amount with  XXXX   XXXX   XXXX   XXXX  out of  XXXX , IL. I sent proof to Collections Professionals that this debt was paid back in  XXXX  and was required to send them proof, which was faxed ov er. Collections Professionals, Inc (   XXXX  ) did nothing to verify that the debt was paid in full. I then received additional correspondence requesting the debt to be paid and had to call them a second time showing that the money was deposited from the insurance company into the Bank account of  XXXX . I believe it is a violation of  the Fair Debt and Collections Act no t to investigate and confirm the debt has been paid prior to repeatedly contacting me to pay the debt.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (IL)

I received a notification in my email that a new collection was placed on on my credit report on XX/XX/2024. This collection is by CAVALRY PORTFOLIO SERV which have a reporting date of XX/XX/2024. I am making this dispute because I was not giving the opportunity to contest to this allege debt before it was placed on my credit report. CAVALRY PORTFOLIO SERV is in violation of the FDCPA XXXX USC 1692g ( a ). I didn't receive any correspondence concerning this debt, please ensure that they in fact did by providing any proof that they sent me documents revolving this matter by uploading certified mail with my signature.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc. (TX)

This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year
Consumer complaint received 2022-11-16
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. (IL)

I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.
Consumer complaint received 2019-04-29
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: Credit Plus Inc (GA)

To : CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Credit Plus put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Account for auto loan was dissolved during 2016 bankruptcy and is being reported as open and delinquent by Experian after being corrected by both XXXX  and XXXX. Loan was at first reaffirmed then withdrawn during filing. Originally reported as still open by other bureaus yet Experian has refused to correct record after 2 disputes and contacting XXXX XXXX, the loan originator who was reporting incorrect information until I was able to contact them about falsely reporting account still open. Bank was reporting late payments in the month of XXXX and XXXX for an account that was closed in XXXX. Bank acknowledged they had reported false information due to originally reaffirming the loan then withdrawing. After disputes and phone calls Experian still lists the loan as open and delinquent. During most recent phone call Experian representative acknowledged seeing corrected info from XXXX XXXX  but did not correct the information in credit report because the court documents I had sent were included in my previous dispute and therefore not " new '' information.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/year> I applied for a lease through XXXX for a XXXX XXXXXXXX XXXX. XXXX uses Chase Financial for leasing by XXXX customers.The application was denied later that day. Working with a XXXX staff member, I requested the reason for the denial. The XXXX staff member told me that Chase would agree to the lease only if I re-applied with a co-applicant. I have no co-applicant and so did not re-apply. Chase has consistently provided no reason for the denial.
Consumer complaint received 2023-03-19
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. (FL)

I am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.
Consumer complaint received 2019-07-01
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. (OH)

Hi - This accounts is display 4 time on Trans Union and DPT ED/XXXX # XXXX and is DELTED/REMOVED OFF XXXX  and XXXX. Why is still displaying on Trans Union. Please removed ASAP as there was no investigation or the accounts would not be in exist.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

It happened on XX/XX/18 that I received a email saying my credit score dropped 44 points. I have no idea how this happened I bank with capital one and I never once missed a single payment with my credit card nor my truck note which is {$720.00} a month. My credit card max is  {$300.00} and it was at {$280.00} the payment wasnt do till XX/XX/XXXX. So I waited till a closer date to pay it thinking it would help out my score which I dont know if its true or not cause I know so little about credit. But I always paid couple days ahead of the payment date with my credit card. Which I did pay it off on XX/XX/18. I was wondering if you can please give me back those 44 points you took from me cause I always paid my bills on time or ahead and I really dont know what I did wrong but I need my credit score to be where it was cause I believe I didnt do anything wrong by not going over my limit.
Consumer complaint received 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am a victim of the Transunion credit inquiry issue which affected a large percentage of credit files. I have been adversely affected by Transunion. All of the credit inquiries that were removed from my credit report for some time by Transunion have been unlawfully reinserted back on my file and have been renewed which has adversely affected my credit file maintained by Transunion. Transunion agent refused to accept responsibility for breach of consumer credit reporting laws to reinsert said inquiries. 
Said inquiries. 
1 ). XXXX XXXX 2 ). XXXX 3 ). XXXX XXXX XXXX 4 ). XXXX XXXX XXXX 5  ). XXXX XXXX 6 ). XXXX
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

On XX/XX/2019, I submitted a complaint against XXXX XXXX, XXXX ( XXXX ) regarding not removing an Collection account on my Credit Bureau Report and there response was that they had processed an XXXX deletion request to all three Credit Bureaus. I have attached the 2 letters mailed to me from XXXX XXXX XXXX XXXX . 
Upon checking my Credit Report, the XXXX XXXX, XXXX collection is still showing on my Equifax Credit bureau report. PLEASE XXXX XXXX , XXXX . REMOVE THIS COLLECTION FROM MY EQUIFAX CREDIT BUREAU REPORT!!! 
It keeps reappearing OVER and OVER. PLEASE XXXX remove this Collection account from my EQUIFAX REPORT.!!!!
Consumer complaint received 2019-04-25
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. (GA)

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX   XXXX XX/XX/XXXX {$320.00} 5 ) XXXX XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX  XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX   XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} XXXX XXXX XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2019-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I canceled my automatic payment on XX/XX/XXXX. i got email confirmation. 5 days later they still processed payment and refuse to assist me in returning my money. they told me i could eat 14 days to request that the money be returned.
Consumer complaint received 2019-07-01
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. (IL)

To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened XXXX is reporting the open date of XX/XX/XXXX and Equifax is reporting XXXX.The next issue if the closed date XXXX is reporting the account closed on XX/XX/XXXX however Equifax is reporting that this account is still ( OPEN ) .The account rating in inaccurate XXXX is reporting the account is closed and Equifax is reporting the account is paid.The creditor type is not correct XXXX is reporting this account as Educational and Equifax Is reporting this account as Miscellaneous. The last payment date XXXX reported XX/XX/XXXX and Equifax reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and XXXX reported 120 term and Equifax reported no terms at all. 

In additon, Equifax is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/2024 on hyundais website is an offer for a lease of XXXX down with payments of XXXX a month for XXXX  months. There is then a link to find qualifying vehicles in my area. When I click on the link I was directed to a local dealership and the lease offer from them was XXXX a month and over XXXX down. The salesman XXXX at hyundai XXXX XXXX said those deals never actually exist. I do not believe the advertised terms are available. Nor have any leases been written under those terms
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX  XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened Transunion is reporting the open date of XX/XX/XXXX and XXXX is reporting XXXX.The next issue if the closed date Transunion is reporting the account closed on XX/XX/XXXX however XXXX is reporting that this account is still ( OPEN ) .The account rating in inaccurate Transunion is reporting the account is closed and XXXX is reporting the account is paid.The creditor type is not correct Transunion is reporting this account as Educational and XXXX   Is reporting this account as Miscellaneous. The last payment date Transunion reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and Transunion reported 120 term and XXXX reported no terms at all. 

In additon, XXXX  is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX