davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX  there should be no other information listed on my consumer report.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I am writing to formally dispute inaccurate information on my credit report. As a consumer, I am entitled to accurate information under several consumer protection laws. Specifically, I am citing the following regulations and statutes in support of my dispute which were violation of my consumer rights : 12 CFR 1006.34 ( b ) ( 5 ) : This section pertains to the requirement for debt collectors to provide clear and accurate information regarding the debt. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors must provide the name and address of the current creditor. 12 CFR 1006.34 ( d ) : This section outlines the obligation of debt collectors to provide additional information if the consumer disputes the debt. 15 USC 1681s : This statute, part of the Fair Credit Reporting Act ( FCRA ), requires that consumer reporting agencies and furnishers of information to these agencies ensure the accuracy and integrity of reported information. The items I am disputing are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : XX/XX/year> I revoke all rights of communication via email/text/calls from the debt collector. I am also requesting debt validation, purchase agreement between debt collector and the original creditor. Also proof that they are licensed and bonded. I do not own this debt.
Consumer complaint received 2019-09-16
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. (FL)

I have send several letters to Equifax, disputing errors and asking to fix my credit since a litle over 4 months ago they erased my credit history, though intentionally hurting my credit report and my ability to get credit, i have file two other complains to CFPB, send already 3 letters directly to them with a copy of the report my driver license, SS card, yet 4 months later my credit is not fix and still reports only two accounts, i am a responsible person that work hard to build my credit and this company refuses to fix their error, only two accounts are reporting, I just open my business and got I got deny credit for not having a credit history letter is attach.. see below what they report only two lines of credit Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} - Revolving Current XXXX  XXXX You have 1 Closed Account Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX
Consumer complaint received 2020-04-28
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: EQUIFAX, INC. (PA)

filed complaint against Equifax XX/XX/2020 with CFPB # XXXX. Equifax acknowledged interim receipt of this complaint on XX/XX/2020 but failed to pursue action.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

previously I have filed cfpb complaints on the three credit bureaus XXXX Equifax and XXXX before so this process is not a new process.. 
Equifax in 2017 had an Equifax data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an Equifax free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.
Consumer complaint received 2019-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Comerica (AZ)

My son asked for me to cosign a {$35000.00} loan for a boat which he agreed to pay. Reason being that his credit rating was very poor. I expressed doubts that my good credit will be of help because of my low income. He assured me that he had talked to a friend in Comerica Bank and that there will be no problem. My credit rating has been around 810 for the last 30 years. Loan was approved and the Bank presented me with documents to sign. I failed to see that the Bank made me the Principal. To the best of my understanding my son 's income hoovers around {$100000.00} year. He has told me that he is 51 % owner of a company that invoices around {>= $1,000,000} per year with an approximate profit of about 7 %. He also told me that his credit rating was poor. My total income is {$29000.00} consisting of SS and two small pensions. I'm XXXX years old. My son has paid for the loan since the beginning but very inconsistently. There has been numerous late payments. The bank has sent me numerous letters regarding these late payments. I have redirected their attention to my son. Comerica Bank has ignored my requests. Comerica Bank has now re-possessed the Boat. It's my understanding that I'll be sued for whatever moneys are not recovered by the sale.
Consumer complaint received 2019-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX bill from Navient for XXXX. Paid XXXX through auto pay which processed on XX/XX/XXXX confirmation sent from Navient. XX/XX/XXXX payment said not made. Called customer service they said they would apply it and get it fixed. XX/XX/XXXX notice from Navient my student loans were paid off, went into site to find accounts said XXXX balance but that I owed XXXX still even though I had only borrowed 30 something thousand to begin with. It is also not showing my XXXX payment and says I only owe XXXX in XXXX. Clearly they have misplaced payments and I'm highly concerned about why I owe more now after over 10 years of payments then I started with.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have been sending out letters and 605B affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/2023 case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Consumer complaint received 2019-08-22
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. (CA)

this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (KY)

The bureaus Inc has a debt on my credit report that says I owe them {$760.00} which was a debt I incurred to XXXX XXXX XXXX which I paid XXXX XXXX XXXX  for over 10 years ago. I can not contact the collections agency because they don't have a working phone number. Saying as the debt is over 7 years old and paid I want it removed completely from my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-09-13
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. AFFIRM  {$220.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$470.00}, XXXX XXXXXXXX {$780.00} AND XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

To Whom It May Concern his is XXXX XXXX, I'm writing because I would like to restart my account. Covid came and everything went wrong. The company is over charging me for this bill its {$400.00}. Not {$800.00}. I will contact them for a reinstatement offer.
Consumer complaint received 2018-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COOLEY ENTERPRISES INC (TX)

Hello CFPB, On XX/XX/2018 I called XXXX XXXX Cooley/XXXX XXXX Talk to supervisor XXXX. Advised my loan # XXXX and my account # is XXXX. Told her that I filed Chapter XXXX Bankruptcy and my case number is XXXX. Supervisor XXXX said I would not receive anymore calls from XXXX Cooley finance during my bankruptcy. She also said that she knew that it would be a FDCPA violation for XXXX Cooley to call me during my bankruptcy. 


I am still receiving harassing collection calls from XXXX Cooley Finance. There collectors tell me that they will continue to call me. This is a violation of the Bankruptcy collection laws and its also a violation of the Fair Debt Collection Practices Act. On XX/XX/2018 received a call at XXXX from phone number XXXX collector name XXXX left voice mail said I need to call XXXX XXXX Cooley XXXX On XX/XX/2018 XXXX received call from XXXX collector name XXXX XXXX XXXX Cooley Finance . Talk to XXXX and she said that I will continue to receive collection calls from XXXX Cooley/XXXX  XXXX because my account is not coded as a bankruptcy account. 

Address XXXX Cooley Finance XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, Texas XXXX Companies have had to pay very stiff fines for committing these violations. Could XXXX Cooley receive a letter from the CFPB letting them know that they have committed these violations? 

Please let me know Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Entrata Inc. (FL)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with your company. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with your company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2018-09-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously file a complaint regarding Equifax. Equifax was not providing a status update regarding several disputes. Finally, Equifax responded outside of the 30 day ( XX/XX/2018 ) and the letter did not provide a status regarding the inquires. I attempted to call Equifax and file a complaint, but was told there was no estimated turn around. I want to inquires removed.