davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NY)

I opened a Citibank account a couple of months back. Before opening the account I informed the bank agent that my sole purpose for opening the account was to receive my EIDL payment from the XXXX. I was not told, informed or advised to open a business account. I asked several times to make sure that the funds would be deposited without a problem. About twXXXX months later I was contacted by XXXX and they gave me a list of XXXX questions to ask my bank. I called citibank on XXXX separate occasions and ask the questions. They responded and assured me everything would be fine. Once I received the funds I began to buy the products I needed to get my business going and paid and made payments on credit cards I had been using for my business. That same day I went to a branch to take out some cash more than the ATM would allow. There I was told I can not take out funds from there because I didnt have a business account. I immediately got back in the phone with Citibank and I was assured that my account was fine and good to go. The agent on the phone then advised me to go to another branch. On my way to the next branch I stopped at a store to get something when I realized my card had been shut off. After that I got back on the phone with Citi. I was told to wait. A 24-48 hrs for them to verify. After 48 hours I called back and was told to go to a branch with all of my business documents ; that once I went to the branch with my documents the block on my account would be lifted. So I took my documents into the branch. Once I submitted the documents I was informed that my account would be closed. None of the credit card payments were able to go through. That is so unfair. I followed every protocol. While on the phone and speaking to many different agents they all told me different things and they were all inconsistent. Its unfair I feel defeated and my business is taking the hit for it. I feel helpless and I dont know where else to turn. Every time I get through on the phone with a specialist they would just hang up the phone with out any real reason. Please somebody help me. I am a mother of XXXX trying to make a way and get ahead in life and its unfair that a company can just hold funds that belong to me without me being able to do anything and with no real solid explanations. I provided all the necessary documents to prove my business.
Consumer complaint received 2022-05-13
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. (LA)

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 3 Bureaus Credit Bureau 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-05-13
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. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-05-13
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. (TX)

I recently have reviewed my credit reports and show inaccuracies being reported to my credit file by Experian. I have disputed with Experian, and they have yet to remove these inaccuracies which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX. 

Creditor Name : XXXX XXXX XXXX  Acct # : XXXX Experian is not removing XXXX XXXX  past due was a goodwill agreement to stop reporting and XXXX and XXXX have already removed it. Previously disputed and Experian must comply. 

Creditor Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX collection past due has removed from XXXX and XXXX but Experian has failed to drop it after multiple disputes. Must comply. I have a right to an accurate credit file. 

Creditor Name : XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX past due goodwill agreement to be removed from reporting and XXXX and XXXX have removed however Experian has failed to do so. Must comply.
Consumer complaint received 2022-10-11
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I received a debt collection letter form Sunrise Credit Services Inc in XXXX, 2022 regarding a XXXX bill, part of which I believe was wrongfully charged to me. In the letter, it clearly says that If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. And this company said " we accept disputes electronically at collections@sunrisecreditservices.com ''. 
I sent my dispute on XX/XX/2022 to their email address and I requested in the email from this collection company to provide me with specific supporting information for that part of the debt in a written letter. However, Sunrise Credit Services never responded to my dispute in any way. During the meantime, I also tried to collect the same information from the original creditor XXXX but without any success. 
Sunrise Credit Services Inc reported my debt to the credit reporting agencies during the dispute process without giving me any due process. I called this company on XX/XX/2022, their customer service representatives acknowledged that they have received my email but they refused to send me any information in a written letter that shows I owe the debt. Sunrise Credit Services Incs action has violated my right to fairly dispute the debt, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act - Transunion has violated my rights in regards to the following items they are reporting on my credit report XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX These are the laws passed by the US Congress that Transunion is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

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. 
NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY XXXX. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Consumer complaint received 2022-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

1 ) I was sent an offer to get a {$100.00} gift card if I could find a better refi offer than theirs. I did but the refused to send me the card. I contacted them several time and never got the card. The person in charge said that she would send it but didn't. Everyone I talked to said that she is the only one that could do so.

2 ) Caliber Home Loans Sent me a check fo {$1600.00} but didn't tell me what it was for so I pu
t it into my saving account for my taxes and insurance. They made it very hard for me to contact them it took several calls and then you had to click several times to get to a person. I received a notice from the property tax office telling mr that my taxes were late and i received a fine for {$190.00} because Caliber didn't pat the balance with the check that they sent me or tell m they were due. I felt that they should have notified me that was a payment due and the check was t pat it or sent the payment.

3 ) For the past several year they have been sending me a request for a shortage fee. This year it was for {$530.00} other years it has been for {$300.00} or more. I have never had a mortgage company send me a short fee more than once in the pass XXXX  years and i have had XXXX other companies that I have done business with. I feel that they nave not don't their business in a fair and professional manner. There have been several other issues with them.
Consumer complaint received 2023-04-04
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. (AK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

1 5 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. 1 681s-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 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, Transunion and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed :XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update.XX/XX/XXXXXXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

A debt collection letter dated XX/XX/2022 was delivered on XX/XX/2022 to my parents ' address addressed to me from Commonwealth Financial Systems. The letter stated that Commonwealth Financial Systems is a debt collector, " we are trying to collect a debt the you owe to XXXX XXXX XXXX XXXX, the purchaser of the bellow referenced account. The creditor was XX/XX/XXXX XXXX XX/XX/XXXX. We will use any information you give us to help collect the debt. '' The letter further states " How can you dispute the debt? '' With the options of " Call or write to us by XX/XX/2022, to dispute all or part of the debt. If you do not, we assume that our information is correct. '' Below that option stated : " If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' I wrote the company in writing, explaining my financial hardship and expressing that I would not claim the debt but was willing to compromise and pay the debt in its entirety at a reduced amount I could afford due to my financial hardship. I mailed the letter using the United States Postal Service by certified mail. The letter further requested Commonwealth Financial Systems responded within 10 business days of my initial offer and terms to settle the account as paid in full not a collections account on my credit report. As per Commonwealth Financial Systems letter, under the section, " What else can you do? '' option " contact us about your payment options, '' I made my attempt to civilly contact the company has refused to contact me back in writing to compromise with my initial request to pay the reduced amount and settle the entire account. On XX/XX/2022, I mailed a certified letter to the dispute requesting all original documentation. As per Commonwealth Financial Systems letter Reference : XXXX, Commonwealth Financial Systems states " contact us about payment options '' and " write to us by XX/XX/2022 to dispute all or part of the debt. '' Commonwealth Financial Systems did not honor their statement and immediately added the debt to my credit report without any action to communicate in writing a response to my letter. This is an unfair and deceptive practice and method of collecting this alleged debt.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (AL)

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Pacer Record type Bankruptcy XXXX XXXXdischarged XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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.