davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I paid {$1500.00} as a down payment via Pentagon Federal Credit Union ( Penfed ) for XXXX XXXX XXXX XXXX ( XXXX ) to remove and replace my 11 year old master bathroom shower. The contract was sighed on XX/XX/2022 and a technician came to my home on XX/XX/2022 to take measurements. No one else from XXXX has been to my home since. I filed a credit card dispute with PenFed C/U, of which, I was recredited the {$1500.00}. In XXXX 2022, XXXX rebutted the charge by stating that they had completed the installation of the new shower. XXXX XXXX XXXX in the credit card dispute department reversed the credit she had given me because of their rebuttal. I had to go through the manager XXXX XXXX to have her call me to explain why the credit was reversed. She stated that she had sent me a letter explaining why, I never received any such letter from her! I asked for a copy of XXXX rebuttal which she finally sent to me. Besides XXXX stating that they had completed the project, they sent in a picture of my present 11 year old shower that their salesman or technician had taken. I took pictures of my current 11 year old shower and a new contract quote from another contactor which shows that the shower isn't new. Therefore, I filed another dispute which XXXX XXXX has refused to process or contact me concerning the issue although I've made numerous requests as far as the status of case number : XXXX. I'm now locked out of the contact with the manager, XXXX XXXX. I am a 100 % disable veteran on a fixed income and I need my {$1500.00}.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NC)

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 Number # 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. 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. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. I filed a dispute with Equifax Credit Bureau for the inaccurate delinquency reporting and status of this account, further Equifax Credit Bureau solutions has failed to also verify this account with the original signed contract with my signature date and name. They have not verified so it should be deleted immediately in accordance with the Fair credit reporting laws. These failures and noncompliance with the Fair Credit Reporting Act have caused me to be denied for credit due to the negative reporting history from this which was paid as agreed and was to be removed from my report.
Consumer complaint received 2022-08-14
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)

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

This consumer reporting agency is reporting this US Department of education/XXXX  account on my credit report as paid of -40 %
Consumer complaint received 2022-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (GA)

Best Egg reported my account 30 days past due on XX/XX/2022. They also updated my last payment received was XX/XX/2022 which is incorrect. 


Last payment made was XX/XX/2022 at 28 days past due. The payment was never 30 days or more past due and that is INACCURATE. 

Supporting documentation attached.
Consumer complaint received 2022-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (TX)

I have no problems lowering my monthly payments. However I was defrauded by the school I have some student loans for. I was not able to get a job after graduation. I was promised employment and job placement. I was did submit an application for borrowers defense. I already had two small applications pending. However this application is for about {$30000.00} in student loan debt. I was not aware of my options and there is no way to submit the application except through email. The process seems lengthy. I am currently unemployed. I have asked repeatedly for resolution to my ongoing issues with my student loans. I am not getting any resolution from Aidvantage and not giving me options. I am asking them to review my current situation and my loans with XXXX XXXX. I graduated with the promise of employment and the promise of job opportunities. They told me they had career placement. None of this happened after I graduated.
Consumer complaint received 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My husband and I applied for a mortgage with Fifth Third Bank and was denied three times starting in XX/XX/XXXX and ending in XX/XX/XXXX. After each denial, we had to convince the bank to continue to process our loan. After speaking with other employees at different Fifth Third branches it became clear that there was something else at play here. One employee explained the criteria for an XXXX XXXX XXXX, or XXXX, and we fit the criteria. That's when we decided to file a complaint. Upon receiving the third denial in XX/XX/XXXX, we informed the bank we would be filing a complaint and shortly thereafter, the bank made an " exception '' regarding the loan. The Michigan XXXX XXXX Department and the Office of the Comptroller of Currency contacted Fifth Third Bank and a response was received which is attached. We have composed a response to Fifth Third. We believe that Fifth Third Bank violated the Elliott-Larsen Civil Rights Act No 453, Public Act of 1976, as amended and Title VIII, US Fair Housing Civil Rights Act of 1968 as amended. We believe Fifth Third Bank discriminated by redlining or because of our race or both. In Fifth Third 's response, they feign incompetence rather than admit they violated the Elliott-Larsen Act and the Fair Housing Act. In our response, we assert Fifth Third would not expend such resources by blindly taking an application from customers that they may not be able to lend to because they have no products available. Fifth Third 's response was a flimsy excuse for discrimination. ( Fifth Third did not provide any exhibits with their response to us )
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Consumer complaint received 2022-08-14
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. (GA)

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, XXXX, and Equifax. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MS)

I, XXXX XXXX XXXX XXXX, HAVE BEEN TRYING TO GET MY ''FILE '' FROM EXPERIAN SINCE AROUND XX/XX/2022. IT IS NOW XX/XX/2022 AND EXPERIAN HAS YET TO SEND ME ''FILE ''. I HAVE PREVIOUSLY REQUESTED MY ''FILE '' ON XX/XX/2022 AS WELL THROUGH THE CFPB WEBSITE. THE COMPLAINT NUMBER IS XXXX FOR DOCUMENTARY EVIDENCE. AS OF NOW EXPERIAN IS WILLFULLY NOT ACTING IN COMPLIANCE.EXPERIAN IS NOW IN VIOLATION OF 15 USC 1681g ( a ) ( 1 ) AND 15 USC 1681n ( a ) ( 1 ). I requested my ''FILE '' which defined under 15 USC 1681a ( g ) in the FAIR CREDIT REPORTING ACT but EXPERIAN only sends my ''CONSUMER REPORT '' which is defined under 15 USC 1681a ( d ) ( 1 ) and that is not the only thing I requested. THE TERM ''FILE '' AND ''CONSUMER REPORT '' are not defined as the same definition under ''FAIR CREDIT REPORTING ACT ''. I say this let it known I am aware I have not received what I have been asking for and that I know the difference between the two definitions ( ''FILE '' AND ''CONSUMER REPORT '' ).
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a XXXX XXXX can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus Transunion, XXXX, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
Consumer complaint received 2022-12-11
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. (MI)

This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.
Consumer complaint received 2024-11-22
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-08-14
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)

I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

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. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I traded my truck to a dealership that was to pay it off as part of the deal. Almost 3 months later I get a message from Truist collections saying I owed one last payment. I contacted the dealership & they provided a paid in full letter and advised the vehicle had already been sold. I naturally requested Truist collections department to validate the debt so I could pay it. They refused to validate the debt according to law, they did although holler, threaten and attempt to bully me in submission repeatedly & then placed derogatory marks on my credit report when I stood my ground requesting validation of the debt. This derogatory action caused one of my credit cards to be reduce XX/XX/XXXX dollars, I was denied new credit and my score dropped almost 60 points. This was escalated to their resolutions dpt and they still refused to validate the debt as required by law and made false claims that they were not a collection agency and did not have to abide by the laws governing collections. I paid a final payment just to stop this attack against my family and now, even though the account is closed they refuse to provide a paid in full letter. The resolutions agent that it was escalated to refuses to resolve the matter and told me I have to get the letter from collections, while collections told me the account is closed and there is nothing, they can do for me. I have had 2 vehicle loans with this company in perfect standing, never a late payment on either one. Their actions are a violation of law, and they intentionally damaged my credit while refusing to validate the debt or provide a paid in full letter once they damaged my credit and bullied me into payment.
Consumer complaint received 2022-06-06
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. (TX)

Account XXXX Amount {$750.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have attached the company response. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA