davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

XXXX  wanted me to pay a bill of unused service. I had called XXXX for their prices/deals. I asked for home set-up but not to send the equipment as I had type of pay & could not pay. I asked if I can just set up an account & call back to send the items. They still sent the equipment. I never asked for it, never used it, nwver opened the package the equiment came in. It was never plugged in, nor opened. I didn't know the service was " on ''. I assumed how can it be on if it was never connected. After returning equipment XXXX  still wanted me to pay. After speaking to multiple of their callers always saying the same thing about payments. I finally managed to speak to a higher up who claimed the service was on & I still had to pay. O told them they can check the data if I even used but they claimed they don't store that but there is a way to check they just ignored me. After telling the woman about the first time I called I did not arrange the equipment to be sent they had sent it without my consent. She said she might be able to find that same call. Although she still claimed she will try to find out but I still had to pay, so they never even bothered to find or check the call, check if data was used. Now they've involved debt Collectors who still want me to pay for service I never requested, never used, nor should I have to pay any of it. After speaking with them they said they don't have any data they're just the company XXXX  hired. They never bothered to check the backstory or bother listening to me claiming I still have to pay. Wanting me to do payments little by little but that is still paying for the bill I should not be charged. The company name is Mercantile Adjustment Bureau.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX 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 instruction.
Consumer complaint received 2022-08-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX, TRANSUNION, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXXXXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (FL)

Cash app keeps closing my account when I enter my social sercuity number and wont give me a reson why. 

My account is not negative to my knowledge and I dont have any information from when I did have an account or dont remember my last login information Cash app took my social sercuity number and use/held it for personal gain now I cant open an account without a reason of why its closed when I try to create a new one and a active one. They just closed my account immediately
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

My Dept. of Education student loans transferred from Great Lakes to Nelnet earlier this year. I have attempted to repay my loan in full twice online and once on their automated phone service ( XX/XX/2023 ) and each time, the payment fails to process every time with little explanation or recourse. There is no issue with the account/routing information or other details I've provided. There is a growing community of people online who are encountering the same issue. I have never had any issues repaying my student loans in the last XXXX  years that I've been doing this. It feels like a scam to discourage people from easily repaying their loans.
Consumer complaint received 2022-03-02
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. (MA)

XXXX XXXX XXXX OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Consumer complaint received 2023-06-22
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. (VA)

I have a loan with XXXX XXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXX XXXX with a balance of {$1700.00} and XXXX XXXX XXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.
Consumer complaint received 2023-08-23
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. (GA)

These inquiries were never done by me.. but a result of identity theft. 

XXXX - XXXX XXXX- XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

To Whom it may concern. 
My name is XXXX XXXX, and I am a single father that is simply trying my best to do what I can with my son and me. the improper use of my credit report and the improper and incorrect use of my information has severely damaged my life. 
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 name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy and these inaccuracies are stopping me from the ability to find a decent home for my small family 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 which they have constantly done.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years and some of these are 10 years old. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I don't believe it is inaccurate I know it is from the proof I will provide below.

I know whoever is reading this it is not your fault, but I need your help. I am just trying to be better for my son.
Consumer complaint received 2024-08-21
Product: Credit reporting 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)

XXXX ACCT # : XXXX XXXX  ACCT # : XXXX I discovered that two child support accounts have been inaccurately reported on my credit report as consumer debts. These accounts are associated with administrative support orders and should not be classified as debts under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). The reporting of these accounts as debts is misleading and damaging to my credit profile, as child support obligations are not covered under the FDCPA. This incorrect reporting violates my rights and has negatively impacted my credit score.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (MN)

PLEASE MAKE THIS INFORMATION PUBLIC. 

False Advertisement by Apple Card. 

I bought two XXXX  XXXX and was double charged. 
I bought two XXXX XXXX tickets and was charged for Three tickets. 
Several unsuccessful attempts had been made. Apple Card only act with the intervention of CFPB. 

Apple Card promised a 3 % cash back. 
Where is my 3 % cash back. 

My Apple Card account is unilaterally closed.
Consumer complaint received 2023-04-10
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. (FL)

I checked my credit report and found that some of the data wereincorrect. 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-03
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: Bread Financial Holdings, Inc. (PA)

Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by XXXX XXXX XXXXMade within past XXXX mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MO)

I have had an issue keeping by bank account linked to my grain account to make my payments since XX/XX/2023. The first couple months it would allow me to receive a text to pay by debit card by going to a link. When XXXX came around I could no longer receive a link and my my bank account still would not link to there app, to make a ach payment from my checking. I have contacted grain multiple times by going to their website and filling out the form and received no calls or emails. There is no phone number to call to physically talk to anyone. I have never been late on my account until XXXX due to grain not assisting me to fix the issue to get my account linked. I finally tried one last thing and opened a new checking with another financial institution and was able to get that account to link, and made my payment. Which was now already late by now. Grain still has not contacted me about this issue but has now marked my XXXX credit reports as 30 days late for the first time. I dont think this is fair at all they can do this when they dont respond to help when there is an issue making a payment. I again have never been late on this account ever, until my account would not link to make a payment. Im stuck when theres nobody to contact. I want my credit report fixed!
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 u.s.c 1681 has violated. XXXX Acct # XXXX, # XXXX. XXXX XXXX XXXX ACCT # XXXX. XXXX ACCT # XXXX, XXXX. XXXX XXXX ACCT # XXXX. has violated my rights. 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 the information is inaccurate.
Consumer complaint received 2023-01-30
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

A few months the ago I had tried to resolve unexplained charges to my relia card for the XXXX time. I had not received any answers or any contact at all I never got statements as well and getting online to check my account was a night mare. Sadly I'm still trying to resolve charges that go back as early as XX/XX/2021.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 cannot furnish a account without my written instruction.