davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (IL)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, illinois XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

XXXX. XXXX XXXX XXXX XXXX has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

XXXX. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), XXXXXXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by XXXX XXXX XXXX XXXX and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX
Consumer complaint received 2020-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have recently received a copy of my report from Chexsystems. I wrote XXXX  XXXX XXXX and filed a complaint with CFPB writing to dispute the following false information reporting in my file. I have circled the items Account # XXXX and Account # XXXX stated it was closed down due to fraudulent activity. I have recently disputed this with Chex System and XXXX XXXX, this is inaccurate information reporting on my report. Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be mailed to me at the address listed Above or emailed to me at XXXX. In addition, please make these records available to law enforcement upon their request.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

My credit limit was {$4800.00}. I had not used the card in two years so it was closed, I caught this immediately and Citi opened the card for me with no changes to the credit limit. Then in XXXX Citi lowered all of my credit card limits by almost {$20000.00} on the cards that I actively used. At the time they refused to reinstate my limits and would not provide me with a valid reason or even with a copy of my credit report used to make this decision as the customer service representative told me I could only write in my complaints to see if they made an error and he could do nothing else. 

On XX/XX/2020 the credit limit on my card ending in XXXX was still {$4800.00}. I had not used it in a few months. So I used the card to purchase lights and ceiling fans for a home I am currently building, total charge about {$2000.00}. The charges went through but one item was backordered so they provided a refund until the item was in stock. The next day Citi lowered my credit limit to {$1000.00}. It was lowered to the point that if the refund did not go through I would have gone over my limit. Now that the refund did go through I can no longer use the card. As the company has this card on file and if they try to charge it it will be declined or I will go over my limit. 

Citi is using predatory practices to lower credit limits on credit cards as charges are pending. They are intentionally being deceptive about the amount of credit I have and then once I use the open credit they are drastically reducing it.
Consumer complaint received 2017-12-18
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. (IL)

Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX  XXXX XX/XX/XXXX {$430.00}
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (PA)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

IC Systems randomly started reporting debt on my reports. I disputed it with the bureaus. I called into the company and they did not even have the correct address so the initial letter was never received before they starte reporting. This is a direct violation. They have no right to report when they dont send that letter. After my disputing with the bureaus, I called them and corrected the address, however they did not delete the reporting on my burea reports which they can not do when they are knowledgable and proven to have not gotten the right to dispute to me. This is a very ba violation.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

Summary : Synchrony Bank has yet to respond to my repeated requests to : i. reject Synchrony Bank 's Arbitration Section of the revised PayPal Credit Account Agreement, and ii. to close my PayPal Credit Account.

On XX/XX/2019, I received a letter from Synchrony Bank ( dated XX/XX/2019 ), stating that Synchrony Bank will be the new " Lender '' for my PayPal Credit Account ( the previous lender for this account was " Bill Me Later '' ). Additionally, the letter stated that new Account Terms have accompanied the new Lender assignment, including ( among other term changes ) a clause requiring dispute resolution via Arbitration ( along with a clause that permits the rejection of the arbitration provision ). 

On the same day I received that letter, I wrote and mailed a letter to Synchrony Bank stating that : i. I wished to " Reject the Arbitration Section of the PayPal Credit Account Agreement '', and ii. that I requested to " Close my PayPal Credit Account ''. I also attempted to contact Synchrony Bank to inform them of these wishes via telephone, but each time I was met with hold times exceeding 120 minutes. 

To date, Synchrony Bank has refused to acknowledge or confirm my requests. Additionally, on XX/XX/2019, I received email correspondence from Synchrony Bank stating that my PayPal Credit Account was still open, contrary to my repeated requests.

My requests are the following : i. To reject Synchrony Bank 's Arbitration Section of their updated PayPal Credit Account Agreement, ii. to close my PayPal Credit Account, and iii, to confirm those in writing, all of which I had requested in my letter to Synchrony Bank dated XX/XX/2019.
Consumer complaint received 2022-04-27
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. (PA)

In accordance with the fair Credit Reporting Act, Experian has violated my consumer rights by reporting a XXXX  XXXX bankruptcy. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2023-05-18
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. (CA)

To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, XXXX, XXXX and Equifax to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that XXXX, XXXX and Equifax place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lending Club Corp (FL)

I refinanced my car through lending club and lending club used XXXX XXXX XXXX   as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

I leased a XXXX through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I turned the car in after receiving military orders to deploy overseas. I obtained an Odometer Disclosure Statement ( attached ) when turning the car in and the dealership faxed the information to XXXX XXXX. The attachment/fax also has the finance director 's information who accepted the vehicle and faxed the information to XXXX. In XXXX timeframe, I received a notification on my credit report that I was 90 days delinquent on my payment. I called XXXX XXXX and they stated it was an error and they'd take care of it. It will take roughly 90 days for it to reflect on my credit report ( XXXX  ). The delinquency still remained and I called back a few months later. They once again said they'd fix it. I submitted a complaint through the Consumer Financial Protection Bureau at the end of XX/XX/XXXX and ironically on XX/XX/XXXX, I receive a notification from Trans Union that I am 90 days delinquent on this account. How does this delinquency error show up on a separate credit report, now bringing down a second credit score, 16 months after turning the car in? This error needs to be fixed ASAP as I, as any citizen, shouldn't be dealing with this. But I definitely shouldn't have to deal with this will overseas fighting for democracy. 

This is my second complaint. The first was the XXXX not removing the delinquency from XXXX. This complaint is XXXX has now sent the delinquency to Trans Union after I submitted my first complaint and 16 months after turning in the car. I will never do business with XXXX again!!! They have lost my trust.
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TN)

Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

On XX/XX/XXXX, after pulling my credit report, I realize some accounts on my credit report that did not belong to me, right after, I started to search on the web about how to remove inaccurate information on my report. About two months went by and I started the journal of disputing, so, to be exact, on XX/XX/XXXX I submitted my first dispute to the credit Bureaus, very few items were remove, on XX/XX/XXXX, I sent my second dispute, some more items were removed. Unfortunately, about a week and so, I received a collection letter from COMMONWEALTH FINANCIAL SYSTEM trying to collect on an alleged debt with XXXX XXXX XXXX XXXX, I do not have any idea where this debt is coming from. This alleged debt does not belong to me.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NC)

Hello, My name is XXXX XXXX. I received a letter from XXXX XXXX regarding my Frontier Airlines World Mastercard account ending in XXXX, and the XXXX XXXX  account ending in XXXX. XXXX stated that the way the frontier airlines card was reported was going to be fixed due to the fact that the account was under the covid relief program that was offered by your bank. 

Secondly, The letter I received stated that the XXXX XXXX  card was going to be removed due to the likelihood that it was opened due to fraud. The letter also stated that the frontier  airline card would remain. I am disputing the validity of the frontier airline account. I would like to see the information that was used to determine that I infact is responsible for said card. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. 


I am also filing a complaint with the CFPB and the FTC regarding this particular account. I have attached the letter that was received from your office regarding the account. 


Thanks,