davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: U.S. BANCORP (IL)

In XXXX, I used Fidelity Rewards XXXX XXXX Check with 0 % APR on 4 occasions. 

{$5000.00} Expires XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX I used the card for other purchases over the past few months. 

Undoubtedly, when a card holder pays the 3.99 % or 4.99 % for the cash advance up-front, the loan period should be established to be set in stone. 

For example, if I pay the balance due on the charges, and I keep a balance of {$5000.00} on the account until XX/XX/XXXX, there should be no interest being charged. 

However, this Fidelity Rewards card has booked my payments to the outstanding loan balances! 

Now, they are saying that of the {$11000.00} I still owe ( note that XXXX + {$2100.00} + XXXX is XXXX - and no balance should have an interest charge until at-least XX/XX/XXXX ) {$7600.00} is " purchases '' and can have an over 14 % interest rate applied. 

Please investigate this practice. It is what I consider unscrupulous and should be illegal under consumer protections.
Consumer complaint received 2021-11-29
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: ALLY FINANCIAL INC. (FL)

I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX {$550.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$870.00}
Consumer complaint received 2021-10-12
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

I am trying to improve my fico score so I can move my family into a better living condition. I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to SYNCB/TJXCOS ... ... .SYNCB/AMAZON on XX/XX/2021 and on XX/XX/2021. They stated they would be happy to help me to resolve this issue to delete, remove, or erase it from my reports with their response of a dispute. On XX/XX/2021 I got a copy of the revised updated report from XXXX, XXXX, XXXX with the same old information?
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (CA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Subject : Complaint Regarding Non-Compliance with FCRA by Equifax. Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Reporting Agency, e.
g., XXXX ] regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted about inaccurate information on my credit report. Despite my repeated requests, [ Credit Reporting Agency Name ] has not provided proof of how they verified the disputed information, which I believe is a clear violation of FCRA requirements. 

Details of the Complaint I submitted a written dispute to Equifax regarding inaccurate information on my credit report. Specifically, I requested the removal or correction of the following information : I followed up multiple times, on requesting a detailed response explaining how Equifax verified the disputed information. To date, I have not received any documentation or specific details regarding the verification process, despite my requests, which is my right under the FCRA. 

FCRA Non-Compliance the FCRA mandates that consumers have the right to be informed of the methods and sources used by credit reporting agencies in verifying disputed information. By not providing this information, I believe Equifax is not adhering to federal requirements designed to protect consumer rights and ensure accurate reporting. 

Request for Assistance I request that the CFPB assist in holding [ Credit Reporting Agency Name ] accountable for its lack of transparency and non-compliance. Specifically, I would like the following actions to be taken : Equifax should provide the documentation of how they investigated and verified the information in question. A thorough review should be conducted to ensure compliance with FCRA guidelines. Enclosed with this letter are copies of all correspondence, including my initial dispute letter, follow-up requests, and any responses ( or lack thereof ) from Equifax. I hope the CFPB can assist in resolving this matter to ensure the protection of consumer rights. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal regulations and a prompt resolution.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear TransUnion Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that TransUnion conduct an investigation into this matter. Specifically, I request that TransUnion contact XXXX XXXX XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXX XXXX XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information.

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that TransUnion delete this collection account from my credit report if XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that TransUnion take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. 

I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Mohela XXXX XXXX XXXX I have made several attempts written email and direct phone calls to Mohela requesting a payment due date change. The requested change is the XXXX of each month. Based on the timing of my income, this will be very helpful in managing my money. 

I began this request in XX/XX/2024 and it is now XXXX. They are dragging their fee and I don't know why. It's a simple request.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-04-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-12
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. (TN)

AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 8th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (AL)

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. 
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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 to any consumer reporting agency if the reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose