davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, 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. (NV)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX
Consumer complaint received 2023-06-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing an
y of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, 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. (IL)

Subject : Removal of Unauthorized Hard Credit Inquiry, Fraud Alert, and Editing/Removal of Personal Statement I am writing to address several concerns regarding my Equifax credit report. Firstly, I would like to request the removal of an unauthorized hard credit inquiry initiated by XXXX XXXX XXXX XXXX ( XXXX ) from my credit report. Secondly, I kindly request the removal of an active fraud alert that is currently placed on my credit file. Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. 

I recently discovered an unauthorized hard credit inquiry on my Equifax credit report that was initiated by XXXX. This inquiry was conducted without my consent or proper understanding. The user interface provided by XXXX was misleading and led me to believe that I was undergoing a pre-qualification process, rather than having my credit run for the purpose of initiating a hard inquiry. Under these false pretenses, I unknowingly proceeded with the actions on the XXXX platform that resulted in this unauthorized inquiry. Therefore, I kindly request the immediate removal of this inquiry from my Equifax credit report. 

Furthermore, there is currently an active fraud alert on my Equifax credit file. While I appreciate the initial placement of the fraud alert as a security measure, I have since resolved the fraudulent activity and no longer require the alert to remain active. Therefore, I kindly request the removal of the fraud alert from my Equifax credit file. 

Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. I understand that circumstances can change over time, and I would like the flexibility to update or remove my personal statement as needed. 

Please note that I have attempted to resolve these matters through direct communication with representatives at XXXX XXXX XXXX XXXX. However, I have not received satisfactory assistance, which has led me to submit this request through the CFPB website. 

Thank you for your attention to these concerns. 

Yours sincerely,
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MN)

On XXXX XXXXXXXX I applied to receive a new XXXXt card with expedited shipping XXXX days. On XXXX the XXXX I receive email confirmation of that order. Then on XXXX the XXXX I got anothe email saying it would be XXXX to XXXX days form then. This was deceptive and I would have never agreed if I had know I couldnt get money for food or rent. I am now being XXXX  because I cant get access to my money in my account.
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MN)

I went on XXXX XXXX orders in XX/XX/2022. I was making payments until I no longer was in the states. Once XXXX XXXX I did not have time and internet service to submit payments. Once I was available to make my payments the accounts were in collections and this now prevents me from federal job offers, fair financial reporting, as well as defames my name and my report. I can no longer qualify to purchase a house nor a vehicle. I have reached out to affirm and have asked for a pay to delete option being that my rights were violated. 
In accordance with the fair credit reporting act Affirm Account #, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without written instructions.

Under The Servicemembers Civil Relief Act Protection under installment contracts for purchase or lease Section 302 ( 50 U.S.C. 3952 ) while on active military orders I have protection under this law of the installments with affirm.
Consumer complaint received 2023-06-29
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: HYUNDAI CAPITAL AMERICA (NY)

I submitted written disputes to both XXXX & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Kia Motor Finance account # XXXX in the amount of {$2800.00}. Kia Motor Finance is showing charged off with a balance of {$2800.00}. This is inaccurate. Kia Motor Finance has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with Kia regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.
Consumer complaint received 2023-06-30
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: Westlake Services, LLC (CO)

My XXXX and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my XXXX  and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXX  we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Consumer complaint received 2023-07-01
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)

In accordance with the fair credit Reporting act XXXX Account ( XXXX XXXX ) ending in XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB and Equifax, This is a *new* claim with *new* updated information - attached to this *new* complaint are - a drivers license, social security card, mailing address, XXXX XXXX, XXXX credit report XXXX XXXX XXXXXXXX letter to remove late pays , XXXX XXXX letter to remove late pays, XXXX XXXX XXXX not my collection, XXXX XXXX and XXXX XXXX XXXX to remove collection letter Please have this handled immediately as this is damaging my credit and I am buying a home.
Consumer complaint received 2023-06-29
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: CarMax, Inc. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. BANCORP (MS)

I received an offer for U.S. Bank Payment Solutions merchant services. I applied around XXXX and was accepted between XXXX XXXX which met the requirement to signup by XX/XX/XXXX. I received and settled a payment on XX/XX/XXXX which met the requirement of receiving and settling a payment within the first 60 days of opening the merchant acct. It says within 45 days of settlement verification I would receive a bonus of {$600.00}. It has been over 90 days and no bonus provided. I called U.S. Bank several times. The first time I was offered a callback. No one called. I called and spoke to at least 5 agents who transferred me to XXXX and XXXX with all of the former claiming the adjustment was to come directly from U.S. Bank. They have misled and provided deceptive marketing and not wanting to follow through after meeting requirements. I have attempted to work with them and they continuously pass me off to the next person. One agent said they saw something pending and to hold on and just transferred me to another person.

Existing customers : Limit of one Payment Solutions Merchant bonus per business. This offer is only valid for the business checking account referenced in this letter and is not transferable. To earn {$600.00} payment solutions bonus offer, you must open a new a U.S. Bank Payment Solutions Merchant account by XX/XX/XXXX and accept and settle a transaction into your U.S. Bank Business Checking account referenced in this letter within 60 days of the open date of your payment solutions account. The payment solutions bonus will be deposited into your existing U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.
Consumer complaint received 2023-06-29
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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: College Foundation, Inc. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TX)

Account # XXXX Original account Holder : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX Manager XXXX XXXX XXXX XXXX XXXX OH XXXX This account originated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was an Online loan. It was sold off to NCB XXXX. On XXXX, XXXX, XXXX is claiming I received notice in the mail notifying me that they are the creditor now of this account. However I received no letter in the mail. The only way I found out about this account was when It was reported on my credit in my collections and I found the phone number in my credit report. NCB is also claiming that on XX/XX/XXXX that an unidentified party called in. No one from my phone number called in until, I tryed to call in on XX/XX/XXXX to discuss the matter. I made an offer of {$1000.00}. However the call disconnected. I tryed calling back but could not get through. I receive numerous calls late in the evening after XXXX central time. XXXX on XXXX, XXXX, XXXX XXXX and another on XX/XX/XXXX XXXX. I requested that the party stop calling me. NCB has reported on my credit reoprts however they have not kept the original delinquent date from the original creditor. NCB bought the account XX/XX/XXXX and began reporting on it then. This account and Claims from NCB does not contain the same delinquency date as from the original creditor XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I joined CostcoXX/XX/XXXX 38 years ago. I have retired and have no further interest in Costco membership where I purchased business supplies. I cancelled membership XX/XX/XXXX and received confirmation. They us Cit Bank Visa. I received E mail that my Visa card ( Costco ) had a balance of {$60.00} which annual dues. I have never authrorized Citi Bank to put my dues on thei credit card. I can prove and have cancelled check where I paid Costco dues with my Company check and have always paid by check yer Cit Bank is doing automatic deduction of my dues ( never gave them permission ) to put dues on credit card now they want too charge me a late fee for due in Costco that I cancelled membership in. I have called Costco and Citi bank and they are no helping us. 
I am due a refund for paying double dues in XXXX and no balance or late charge in XXXX. 
It will take you to get this straight I tried and could not make either understand. 

I need check form them Company account closed XXXX Credit card cancelled. Please help.