davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting the wrong date of birth on my credit report. Despite having the necessary documentation to fix this mistake, Equifax has refused to correct this error. I sent disputes with a copy of my driver 's license on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX, I even went ahead and filed a complaint because Equifax was not processing my dispute correctly. This was the response I received to my complaint : " Equifax has reviewed the complaint and its records. We show that you have not recently contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. '' I received this last response from Equifax on XX/XX/XXXX. It is now XXXX XXXX and Equifax STILL has not fixed the wrong date of birth on my credit report. They are reporting that I was born in " XX/XX/XXXX''. This is not true. I was born on XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. If Equifax handles fixing a simple piece of information on my credit report so badly, I can only imagine what other consumers are going through with Equifax 's negligence.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have mywritten consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (SC)

Whats up? Im writing about these debts youre chasing me for. I dont agree with them at all, and I think the amounts youre saying I owe are off. 
Dont bother with any proofIm not interested. I know whats up, and seeing proof isnt going to change that. 
If you need to get in touch, email me only between XXXX XXXX XXXX XXXX XXXX XXXX. Dont send any mail, whether its XXXX XXXX XXXX XXXX XXXX, or any courier, and skip the phone callsits just a hassle. 
Just clearing things up. 
Later,
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I remember that I filed XXXX XXXX bankruptcy back in year of XX/XX/year> and I was discharged in XX/XX/year>. I thought that I can by property and start my own business 2 to 3 year after bankruptcy discharged. When that time came to tried to make big Purchases for the quidment that I need for my business and I was trying to get a home load. After I tried, I was rejected because of my bankruptcy is holding me back.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX 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!

Update the late payments from my consumer reports
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I was informed from sofi that resurgent owns my debt but I didnt receive a notice from this creditor. I just found out from my credit report that LVNV funding LLC owns my debt but I didnt receive any notification or did I have an opportunity to validate the debt. Please resolve issue please
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am filing this complaint against Bank of America due to their failure to correct multiple inaccuracies on my credit report regarding the account referenced as XXXX  XXXX : XXXX. ** Despite my formal dispute and request for correction, the inaccuracies remain unresolved and continue to damage my credit score and financial standing. 

Specific Inaccuracies Include : XXXX is reporting a charge-off on this account from XX/XX/XXXX to XX/XX/XXXX, which is incorrect as an account can only be charged off once. 
XXXX is reporting this account as " current '' during the same time period ( XX/XX/XXXX to XX/XX/XXXX ), contradicting Experians reporting. 
XXXX is also reporting an incomplete or inaccurate account number, further adding to the discrepancies. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which requires accurate and fair reporting of consumer information. I have also already disputed this information with both XXXX and XXXX, yet no corrective action has been taken.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

On XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Today, XX/XX/year> I reached out to Navient who currently manages my private student loans. I emailed them directly and requested an application for Navient XXXX XXXX discharge for my private loans. 

They first told me that I didn't have any loans with them. 

Secondly, I informed them that I had XXXX private loans with them and took a snapshot of my screen/portal and showed them the XXXX loans on their website that I had with them. 

Several hours later they told me that I could not receive an application because all of my universities were non profit universities. 

I don't believe this to be true and I consider it a lie and a tactic they are using. So I am filing this complaint in order to request an application for that I may apply to get my private student loans XXXX.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

Subject : Illegal Credit Report Inquiry by [ MIDLAND CREDIT MGMT ] FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ MIDLAND CREDIT MANAGEMENT ] for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On [ XX/XX/year> ], [ Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with [ Collection Agency Name ] that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against [ MIDLAND CREDIT MGMT ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

* Inaccuracy of the Debt : I dispute the validity of this debt, as the amount being reported does not accurately reflect my records. 
* Failure to Verify the Debt : Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt. I have not received proper verification of the debt as required by law.

* Violation of Credit Reporting Laws : Under the FCRA, 15 U.S.C. 1681s-2, you are responsible for ensuring that all information furnished to credit reporting agencies is accurate and complete. The continued reporting of this debt without proper verification or validation violates these requirements.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I went into a credit union and applied for a membership. I was told that I had a freeze on my Chexsystem report. I reached out and the told me they was able to removed the freeze. The credit union says that the freeze still remains. I reached out to chexsystems again and the said they could not help me.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (CT)

Ally Financial XX/XX/year> {$31000.00} Account XXXX XXXX I was called via phone about a car loan account that I had no knowledge even existed. I never signed or been to any car dealership to inquire about leasing a vehicle or this vehicle. I informed the company that this account was opened fraudulent and I never possessed this vehicle or inquired about it. I asked what can we do to resolve this and they hung up and are continuing to report it on my credit report and are trying to collect from me. This is inaccuracy on my account is fraud and is hurting my ability to obtain credit. It is my understanding that you will investigate this account to ensure accuracy and remove me from this account and from my credit report.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

On XX/XX/year> I financed a used car through XXXX XXXX XXXX in XXXX. The amount financed was {$18000.00}. The total cost of purchase on credit, including my down payment of {$800.00} is {$40000.00}. I have made 11 going on 12 payments of {$550.00}. I have paid over {$6000.00} in interest over the past year. My loan payoff amount is {$18000.00}. Exeter Finance is not listed as a licensed entity through NMLS consumer access in the state of Georgia. I feel that this loan is predatory. I feel used and did not have a good understanding of my loan. I feel that I have been taken advantage of.
Consumer complaint received 2024-09-19
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have been disputing inaccurate information on my credit report since XX/XX/year> regarding hard inquiries. I have filed a FTC report and sent it to Chexsystem and they have filed to acknowledge they report.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Dear CFPB, This is a follow-up letter to an unresolved issue : the permanent limitation of my PayPal account XXXX my dropshipping middleman business. I filed a complaint against them with the XXXX-Complaint ID : # XXXX have gotten no response from them concerning my issue. Yet, my PayPal account, XXXX, was flagged for a monetary sale of " XXXX Oriented Materials, '' which is absolutely not true. I am a third-party intermediary who, through legal connection to a website via API, resells products, such as clothes, among other services. I am not in contact with the specific goods being sold or the actual content of the sale because what I receive are commissions and sales. I am involved in a business that follows all policies set by PayPal and does not sell items that are illegal or too risky. This unjustified Suspension not only affected me but hundreds of clients who relied on my service. I request immediate taking up the action to resolve this unjustified suspension and let me access my funds, carry on my business operation. You can also communicate with XXXX  about this case for more details. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Involved Company : PayPal Inc and XXXX  XXXX  Complaint Number : Complaint # XXXX ( FIRST COMPLAINT CASE AGAINT 'S PAYPAL INC )
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

INQUIRES NOT AUTHRIZED XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX Subject : Request for Debt Validation Dear XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : Firstpoint Collection Resources Account Number : XXXX  Amount : [ Amount ] In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been ad
Consumer complaint received 2024-09-19
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have contacted Chexsystem and XXXX XXXX serval times disputing the information that is displayed on their report regarding me. I have sent them an FTC report regarding this XXXX XXXX XXXXXXXX account that is reporting on my credit report. 

Chex System or XXXX XXXX XXXX  have not acknowledged the Debt validation or verification letters that I have sent to them. 

I do not feel as if they have abided by the FCRA laws. 
15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly. 

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!