davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (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 XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-23
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (PA)

This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00} while reflecting XXXX ( XXXX ) late payment. Additionally the utilization percentage is also inaccurate : 48 % of {$1100.00} = 0.48 x {$1100.00} = {$520.00} So the increase amount is {$520.00} Adding the increase of {$520.00} to the original {$1100.00} gives us : {$1100.00} + {$520.00} = XXXX Therefore, {$1100.00} plus a 48 % increase is {$1600.00}, not {$1600.00}. 

According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

In accordance with the Fair credit reporting act XXXX account # XXXX Americollect INC. 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 2022-10-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have attempted to correct this situation with Equifax on multiple occasions but they are non-compliant and negligent in their reporting of my account they have still after multiple attempts did not remove the inaccurate items listed in the following complaint.
Consumer complaint received 2024-09-13
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I recently review my credit report and noticed several inaccuracies on my account. This account is making it difficult to obtain credit. The account in question is being reported from XXXX different companies, as a collection and simultaneously as a charge-off. Here is the account ( s ) I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ). So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 USC 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 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ).

Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Consumer complaint received 2022-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (UT)

Well first off I was denied for this loan so I don't know how I could possibly even be sued for not paying a loan that I was denied for. I applied for the loan with speedy cash in XXXX of XXXX. And was denied less then two years later in now receiving emails saying that I'm getting sued for not paying back this loan and that I should get ready to spend 3 years in jail. The loan outstanding amount is for XXXX. The settlement amount is XXXX. And if I were to work with them they would lower the price to XXXX. And if I still didn't then they'd take me to court or would contact my employer. And then the lawsuit would cost XXXX.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My name is XXXX XXXX and I am a square user with email address XXXX On XX/XX/XXXX, Square informed me that they could no longer continue processing payments for my business. 

They also informed me, in the same email, that deposits would be suspended and the release date and amount available for release were subject to change based on factors that include receiving additional chargebacks after the original notice of deactivation.

I know square Square is authorized to hold funds under sections 9, 12, 14, 19, and 36 of the Payment Terms.

In Section 12 specifically states, in pertinent part : We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the Services, or in accordance with our Terms.

b. Under Section 19 of the Payment Terms : ... if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that ( a ) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds, ( b ) the period of time under applicable law or regulation by which your customer may dispute that the transaction has expired, or ( c ) we determine that a Chargeback on the transaction will not occur. 


In my case, all the charges backs were completed and closed and the funds in my square account should be given to me because there is no additional since XXXX. 

As at the time writing this complaint, there are no chargebacks to determine that square has the right to put my funds on hold till this period.

Please note : I am not asking Square to still process payment for my business again. I am looking for the money that is in my square account. I am not asking Square to reactivate my account as I am not interested to use square again.

In the agreement of square with card networks, there is a stipulated time for disputes to be completed in which all disputes were completed in my account so there is no security concern attached to my case because I am not owing square. 

I need my money now to be made available for withdrawal. 

I have already complaint to square on the square website with case ID XXXX, but it seems the company has stolen my funds indefinitely because they always use the word " indefinitely ''
Consumer complaint received 2022-06-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, TransUnion, XXXX several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Hello CFPB, We were under XXXX forbearance with our previous loan servicing company ( XXXX Bank XXXX for 12 months from XX/XX/XXXX thru XX/XX/XXXX and then we called XXXX Bank XXXX XX/XX/XXXX to advise them that we were ready as of XX/XX/XXXX to resume making our mortgage payments and we would like to apply for a loan modification and partial claim on our loan and it was approved and was filed with the Florida XXXX XXXX XXXX XXXX Courts and recorded on XX/XX/XXXX. Shortly after the partial claim was filed and recorded at the local county office, we were advised that our current loan would be sold to a new servicer ( Lakeview Subserviced by Mr. Cooper ) and that everything that was previously done by XXXX Bank would be transferred over to Lakeview on XX/XX/XXXX. Needless to say, since day 1 with this new servicer it's been a total nightmare in trying to get our mortgage loan back to " current status '' so that we may continue making our monthly payments and put this episode of our lives behind us. We have been patiently waiting since the loan transfer in XX/XX/XXXX for this issue to be swiftly handled and resolved by Lakeview but every time we call them on the phone all we get is a different story including they are " still working on the loan modification '' even though the partial claim has already been recorded in the county clerk of courts, we also received a phone call from Lakeview on XX/XX/XXXX to congratulate and tell us that our loan had been submitted for " booking '' and that by XX/XX/XXXX the loan would be back to current status whenever we logged on to their website so we could start making payments again, this did not and hasn't happened yet and we are still desperately waiting on Lakeview so we may continue with our lives. At this point we are even afraid of Lakeview being up to something and us losing our home. CFPB, can you please help us out with this issue asap.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (NC)

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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