davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (PA)

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. 

XXXX XXXX BANK : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX IL : # 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 the right to privacy.

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

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 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have already brought this matter to your attention ; See Attached removal of inaccurate personal information, name, addresses, social security numbers, employment information. 
However, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC Section 1681 n.

Impact of Your Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit scores : Resulting in the denial of credit or higher interest rates.

Emotional distress : Caused by the negative impact of inaccurate credit reporting Financial harm : Due to credit denials or unfavorable terms for loans or credit lines.

My Demands : In light of, the harm caused by your willful noncompliance with the FCRA, I am requesting : 1. Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue Compensation for damages : I reserve the right to pursue legal action under 15 USC Section 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Upgrade, Inc. (ID)

The middle of XX/XX/2022 I contacted a company to start a home business of my own and talked to XXXX. In trying to get me funding against my wishes she contacted Upgrade, Inc, after putting me on hold. When she brought me back on the line she told me they had funded me for the {$11000.00}. I believe that was my first knowledge of the amount. It all happened so fast that I do not remember talking with the company representative or finding out what the payments were going to be or anything else. Later I would find out from reviews the company was not a reputable company and I closed my account with them. I think the computer signature to sign for my computer classes was used to sign the contract for the loan. So, now I'm in debt with Upgrade, Inc not getting what I had paid for and the company the money went to would only return {$2000.00}. Now I apparently need to pay back the rest but I did not get anything in return. Also, unbeknownst to me my payments to Upgrade are over {$400.00} a month. They did agree to 3-month lower payments for hardship reasons but now my payments are over {$500.00}. All I have is my Social Security and am unable to pay for something I did not agree to and did not get anything for. Unfortunately, when XXXX found I was closing my account they went into my email account with them and wiped out everything that had their information on it. I could come up with a way to recover this information if needed I believe. Otherwise, I have nothing left.
Consumer complaint received 2024-10-28
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. (NC)

Hello I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX  open XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-10-26
Product: Credit reporting 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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXXwith a balance of {$65.00} that appears related to the aforementioned XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

XXXX XXXX reported inaccurate information to the credit bureaus. Below are the reasons that XXXX XXXX is responsible for false reporting : 1. I requested that billing be switched to mail in spring XXXX, this was not done. 
2. XXXX XXXX did not notify me that a balance was due from a XXXX statement ( due {$1.00} ). I was not notified by email, statement via mail, or phone call. 
3. XXXX XXXX practice has been if a payment is late past a statement due date, a robo call is made. These calls protect their customers from being over 30 days late. I did not receive any notification that I was late on the XX/XX/2024 balance due of {$1.00}. 
4. The XXXX bill was late in payment ; a robo call was made ; account paid in full and XXXX XXXX reimbursed the late fee. The late XXXX payment was under 30 days late - just a few days. QUESTION : Why wasn't I notified about the {$1.00} due in XXXX? No call, no bill sent, no email - no notification. 

I called XXXX XXXX on XXXX occasions XXXX with different responses each time. One representative reported to me that the problem would be fixed. After these calls, I wrote, and sent, a letter on XX/XX/2024 to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) with no response. 

On the phone calls, I was not provided a phone number or address to write to try and resolve this issue. 

Because XXXX XXXX did not notify me that a balance of {$1.00} was due, they inaccurately reported a late payment to the credit bureaus.
Consumer complaint received 2024-10-22
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)

Dear CFPB Team, I am writing to formally file a complaint against Equifax for their willful negligence in adhering to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). My complaint centers on Equifaxs failure to block the reporting of information resulting from identity theft, as mandated by the law. 

On XX/XX/XXXX, I filed an FTC Identity Theft Report, along with a dispute confirmation for XXXX XXXX ( Confirmation # XXXX ). A duplicate of this dispute was submitted on XX/XX/XXXX ( Confirmation # XXXX ). Additionally, I submitted a dispute for XXXX XXXX XXXX XXXX ( Confirmation # XXXX ) on the same date, with a duplicate filed on XX/XX/XXXX. 

Despite multiple follow-up calls, including recorded conversations with Equifax representatives XXXX I was informed that resolving these disputes would take 30 days. One representative acknowledged that other disputed accounts had been deleted, yet the two in question remained unresolved. I confirmed this statement by refreshing the credit report file and seeing all others had been resolved. He attributed this delay to the duplication of disputes, despite my clarification that I submitted each dispute only once. This representative also indicated that he could only leave a note for the back office team, leaving me without resolution.

As of today, it has been seven business days without any action taken on these two accounts, which is significantly hindering my employment opportunities and ability to secure new residency. I have repeatedly reached out to Equifax on XX/XX/XXXX, and XXXX, XXXX, and each call has resulted in no resolution, merely requests for further waiting. 

Moreover, I have not received any of the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), including a consumer contract bearing my signature. Under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is obligated to promptly delete any unverifiable information.

The law is explicit regarding the civil liability and remedies available for negligent noncompliance ( Section 617 ), and I am prepared to pursue legal action to enforce my rights under the FCRA. Equifaxs failure to comply with these regulations is causing me substantial harm and distress.

I kindly request your assistance in addressing this matter and ensuring Equifax is held accountable for their negligence.

Thank you for your attention to this urgent issue. Please see original documents sent to Equifax
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (PA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (VA)

This complaint has been ongoing for over XXXX  years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX. I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX  laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX. This account was included in my XXXX  XXXX XXXX  and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX  days from the date of this dispute.
Consumer complaint received 2024-10-22
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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. (KS)

Locked out of my Equifax credit file online. Received error message to contact Equifax where I was told, after verifying all my information with customer service representative, I was told I have to provide a photo ID. This is in violation to 15 U.S. Code 1681a ( k ) 1 ( b ) iv ( 1 ). After filing a dispute with CFPB my online account was locked by Equifax.
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

In   XXXX   I contacted  XXXX   XXXX  because my employment situation changed and I was unable to afford the payments as they were to be made. I made SEVERAL calls asking if I could make payments in the amount of $  XXXX  month as it was all I could afford. I was told EVERY time that I was required to make the entire payment and if I could not afford it, I should apply for deferment or forbearance. As of 2 months ago, I was UNAWARE of  XXXX   XXXX   XXXX . Since I learned on it, I have been placed on plan that allows me to pay $  XXXX  month. That 's how dire my situation was/is. This is shameful. Additionally, I was able to attain additional loans through  XXXX   XXXX  for  XXXX   XXXX , even though I was unable to pay on the  XXXX  loans I already had. Predatory lending?????
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Chase closed down 2 credit cards I had with them 1 ) Chase Sapphire Reserve Credit Card and 2 ) Chase Freedom Unlimited. Chase refuses to provide me a reason for closure. I had been a chase customer for over a decade, with business accounts and personal accounts. Supervisor I spoke with over the phone was absolutely rude and informed me that they have decided to end their business banking relationship with me and to never contact them again. 

All of my accounts were up to date and I have an excellent credit rating above XXXX. There was nothing that I can think of that was done from my end that could have caused the closure of my account. 

The credit card shutdowns will significantly impact my credit scores as my chase freedom unlimited credit card was over 10 years old and my oldest account. 

It is unconscionable for a mega corporation to simply close an account, not provide a reason, to never provide a reason for closure, and to treat that holder of said closed account with such disdain and disrespect.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX  Date of inquiryXXXX
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (MS)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX