davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (CA)

Applied for a PayPal line of credit on XX/XX/2019. Got a strage and generic error message that I was denied. No mention of providing me additional information specified by the FCRA. I called and the agent made it impossible to glean further information regarding the issue, and had no concern to answer my questions.
Consumer complaint received 2019-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AmeriCash Holding LLC (IL)

Loan company sent check to my bank and withdrew money when acct was paid bank day they paid but I didnt have money in acct at time I went negative on acct bank charge me nsf fees I ask loan company to put money back they said yes but I am still neg with bank after 2weeks I cant pay loan company again l am already 2payments over loan and bank keeps going up on negative acct lm XXXX on fix income what can I do XXXX is the bank involved
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have been working on several things that Equifax refuses to actually do their diligence. There are several items listed on my credit file that ARE PAST THE STATUE OF LIMITATIONS. Equifax is the only company that is reporting old information. The fact that they will not even respond to the government agency is only an example of the issues the common person has. They need to deleted out dated information.
Consumer complaint received 2023-09-27
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. (CA)

n 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. Has Violated my rights. 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 Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 permission.. 

I XXXX XXXX XXXX XXXX XXXX living person, human being flesh in blood has not consented to XXXX, Experian and XXXX in written, my consumer report needs to be kept confident and private. My rights have been violated.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

6801. Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out
Consumer complaint received 2023-05-04
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)

Trans Union sent me a 66-page credit report, intentionally difficult to read and hard to follow. This is done to confuse the consumer and complicate the review of the report. 

I submitted a dispute because Trans Union is not reporting me accurately. My score is only XXXX here, but XXXX and XXXX and XXXX and XXXX. Upon further investigation, I saw that Trans Union has my old XXXX XXXX XXXX XXXX loan account listed as adverse. 

It is not adverse. I always paid as agreed, on time. Not only is is mistakenly listed as adverse, it is marked for removal on XX/XX/XXXX -- or was. When I filed the first dispute, and received the result, they refused to change the status from adverse to satisfactory PLUS they extended the time for removal to XXXX. It has already been on there for more 7 years since XX/XX/XXXX. I didnt realize this adverse designation when I previously reviewed the report. 

I want this mischaracterization fixed. I paid on time throughout the life of the loan. Also, they claimed to have investigated this. Hard to believe the investigation was completed so quickly. Id require proof of this. I want to see what theyre seeing in this investigation. My payments were on time. 

I tried to file a second dispute, and they wouldnt let me. I cant find it on the site. I received no email like I did for the first dispute, saying an investigation is underway. Also the site is deliberately difficult to navigate. Whenever you go to a tab, it logs you out and you have to repeatedly enter your password and username to get back onto the site. This happens constantly. 

I also submitted a form to Trans Union to discuss this with someone. No one bothered to respond. 

I want this moved to satisfactory, in which case there will be no incorrect scheduled " removal date. '' This designation is adversely affecting my ability to get good loan rates. 

They should not be permitted to give the consumer a 66-page credit report, either.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CA)

On XX/XX/2019, I had another confrontational and unproductive conversation with XXXX with the so called executive department. She has continued to discriminate against me, mispronounce my name, and repeatedly use the infuriating phrase, " I'm sorry you feel that way. '' In response to their gross, and continuous errors. She has continued to discriminate against me, based on my XXXX last name, intentionally misprounouncing it, belittling me, and refusing to assist me based on her clear XXXX, and bigoted views. She constantly brags about not having a manager, and she can do whatever she feels, repeated hang ups and provocations on her end, and her blatant and misguided intolerance. I had a simple debit card dispute which has turned into pure warfare, waged against me based on my last name, clearly, and XXXX status, which they know from viewing my account. XXXX has waged war against me, a simple banking customer, because of my didabled status and last name. I'm unfortunately very familiar with these bigoted attitudes, stemming from the XXXX area, as I've been a resident in this about one year ago. The rest of the country doesn't share and condone this type of bigotry. Why does Key Bank? Because, anyone left to their own devices, with no direct XXXX can and do say whatever they Please. No matter how XXXX, bigoted, intolerant and mostly, XXXX. As I have witnessed first hand in my unfortunate interavtions with XXXX.
Consumer complaint received 2023-05-03
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)

To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT NUMBERXXXX IS REPORTING ON XXXX AS CLOSED YET ON EQUIFAX AS XXXXPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON EQUIFAX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT NUMBER:XXXX  THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL XXXX BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT NUMBER:XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF EQUIFAX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON EQUIFAX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN EQUIFAX AND XXXX.
Consumer complaint received 2024-10-24
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. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (GA)

For up to a month now, despite or maybe in furtherance, of my disputes and complaints. Equifax has done its best to delay, hinder, and evade my attempts to receive fair and accurate reporting. As Im justly allowed under the FCRA. As well as my right to dispute, freely, any inaccuracy or error, that I deem necessary. Further this tactic, as hindered me further across the other bureaus, as well. Im unable to obtain current and accurate reports of my credit standing or profile. Collections and other inaccuracies are continued to be reported and injurious because of this companies malfeasance. This is totally unethical, unjust, and certainly goes against all conduct codes and standards, companies like this are based on. This includes changing information in my security questions and profile to when im prompted to call, Im unable to verify my identity, to reach a live representative to dispute or resolute.
Consumer complaint received 2024-10-24
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.

2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the " charged off '' and " written off '' statuses, which must be clearly stated and resolved.

3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).

I kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report.

I have attached a copy of my credit report with the disputed account highlighted for your reference.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (NJ)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-24
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (VI)

On XX/XX/year> i received XXXX credit alerts that my credit was pulled by XXXX institutions. 

XXXX XXXX XXXX XXXXXXXX I did not authorize these credit pull to my credit report and requested that they be removed immediately.