davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (LA)

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 : # 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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

I did a 30-day free trial of a new internet service ( XX/XX/2022 ). I was unsatisfied with the service, cancelled it within XXXX ( on XX/XX/2022 ) and returned the equipment accordingly ( within 30 days, equipment return confirmation sent XX/XX/2022 ). I contacted XXXX through online chat, phone calls, and I personally visited the XXXX store on XXXX XXXX in XXXX, CA. During the first calls, I was reassured that their system would register the cancellation with a little more time. After they started billing me again, I visited the XXXX store and spent around 2 hours. They said the problem was fixed. Now I am getting debt collectors emailing me.
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

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. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with Equifax but charged off the very next month? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2022-07-14
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. (FL)

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

And accordings with the fair credit reporting act convergent XXXX has violated my rights. 

XXXX while I was recovering from XXXX XXXX regarding a single late payment. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A section 2 : It also States that a consumer reporting agency can not Is furnish an account without written Instructions.

15 US 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 2019-03-23
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: LEXISNEXIS (AR)

ONCE AGAIN XXXX  DELETED BK PUPLIC RCORDS WITH XXXX XXXX, CASE XXXX AND RE-INSERTED XX/XX/219 WITHOUT 5 DAY NOTICE TO CONSUMER. THIS IS A INVALID LISTINGS.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

After previously filing a complaint regarding the publication of personal credit information, I am following up again, because Equifax continues to report medical collection attempts. These accounts are under the {$500.00} threshold for medical collections ( Medical or health care classification ) and should no longer appear on the credit report.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

XXXX was supposedly sent out in XXXX of XXXX and between XXXX of XXXX the card was charged the full amount of credit. I never received this card nor approved of this card nor apply for this card. I was not notified of any charges on this card until XX/XX/XXXX when I received a late payment notice in the mail I called synchrony bank that is when I was told that there was a credit card that was approved and sent out to me the year prior and charged up. There was also an email attached. To this card, so XXXX assuming that is how they were getting statements nothing was sent to my house until they missed a payment as a paid XXXX months of payments. I have tried to resolve this issue since in the bank statements from my bank account for all the months that somebody made payments I have also sent in a police report to show that Ive never received this payment. These charges were not made by me. They continue to state that I am liable as Ive benefited from the use of this card which is not true I have never even received this card. I have also had to deal with other identity theft issue since then, but I have had XXXX who has helped resolve and have been able to put a seven-year continued lock, on my credit reports, I am asking them synchrony bank remove this off of my credit as I was not responsible for any of these charges I have sent them documentation to show that I did not use this card. They have made no real effort to help resolve this in the right way.
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, Experian was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the XXXX notices sent out, due to failure of this fiduciary obligation by these entities. 
Experian : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (MS)

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me? 
Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the equifax data breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.
Consumer complaint received 2022-06-09
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. (AZ)

XXXX XXXX is reporting my account as 30 days past due for XXXX. I have never been 30 days past due with the credit which the company representative confirmed. I requested confirmation in writing and was advised it could not be provided. I also requested to have the 30 day late removed and was told the company does not wait 30 days to report a late payment to the credit bureau.
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

The recipient were selling event ticket on XXXX XXXX XXXX XXXX XXXX  ). I contacted them through direct message. She offered {$350.00} for a ticket and asked to split the payment into two using Zelle transfer. I noticed that the XXXX heading and recipient name did not match and asked for explanation and she said her friend bought the ticket originally and she's selling for them. 
She sent the screenshot of the ticket, so I sent first payment of {$200.00}. Then they require me to send remaining {$150.00} using the same payment method. I proceeded to transfer. After that, I asked for event ticket transfer via XXXX. However, they resisted to transfer the ticket and asked another {$150.00} for ticket transfer fee. As soon as I mentioned about them being suspicious and reporting this transaction as fraud, they stopped replying to me and they never transferred the ticket. 
I reported this to Zelle scammer report page that night and have not heard from them since. They should let me know what's going on at least and investigate further to locate that individual or group of scammer and retrieve money back for the victims. This is not their first time and there is at least one more victim other than me.
Consumer complaint received 2021-09-14
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. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2022-06-15
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 an account without my written instructions
Consumer complaint received 2021-07-16
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: SYNCHRONY FINANCIAL (TX)

There has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off my credit report.
Consumer complaint received 2024-10-16
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me 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. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Recovery Services, LLC (AL)

After reviewing XXXX  Credit Profile. a debt purchased from XXXX XXXX ; Receivables Recovery Se continues to furnish information on credit profile. When rendering services, from XXXX XXXX ; according to insurance all treatment was covered, if out-of-network, the practice didn't make known prior to scheduling. Requesting if a referral for treatment was given and if coverage verified prior to scheduling.
Consumer complaint received 2022-07-18
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. (IL)

In accordance with the Fair Credit Reporting Act 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 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

In XXXX  of XXXX my mortgage company XXXX stop accepting my payments which were sent on a regular basis then they proceeded with a false accusation of non-payment to create a foreclosure scenario only to discover that the payments I had made have been cashed but returned to me as if they were returning my money evidence will follow to this effect. Wire fraud may come into play because I use money orders they return the money orders to me with the letter stating we are returning your money when checked we found that the money orders have been cash but the money was not accredited to any account that I owe