davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (MO)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

The most recent date is XX/XX/. Amounts : {$4.00}, {$4.00} and {$49.00}. I got charged {$36.00}, {$36.00}, and {$36.00} for each transactions. I called XXXX representative and she refused to help me. I called another time and talked with another banks representative complaining that the bank should not charge {$36.00} for every transaction since XXXX were below {$50.00}, the representative said that she was not aware of this banks policy. I asked to speak with a supervisor, and I was told that no one is available. After being persistent, the representative said that she was going to contact her manager by an email ; after a long waiting ( over XXXX minutes ) she said that her manager refused to refund me any fees.
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler, Butler & Rowse-Oberle, P.L.L.C. (MI)

This was everything I could find after I was sent the entered judgment after an offset of my state tax return was taken from me without notice. I never went to court, I never received paperwork for court. Now there is a hearing scheduled and I do not have transportation to attend. When I asked them how they could garnish my tax return without properly serving me paperwork, i was told by them they can not provide me with legal information. Nothing was given to me. Something that was owed to XXXX XXXX XXXX XXXX in XXXX after a voluntary repo, is now listed at over {$14000.00} they have taken nearly {$6000.00} so far from tax returns, and I owed less than {$7000.00} to XXXX XXXX. XXXX XXXX XXXX XXXX recently Did a Hard pull on my credit report on XX/XX/XXXX that was unauthorized causing my credit score to decrease by XXXX pts. 


XXXX TO BE DISMISSED - NO SERVICE XXXX XXXX ORDER TO BE SIGNED/OES XXXX ORDER EXTENDING SUMMONS XXXXXXXX XXXXXXXX SECOND SUMMONS ISSUED XXXXXXXXXXXX XXXX TO BE DISMISSED - NO SERVICE XXXXXXXX XXXX ORDER SUBSTITUTE SERVICE XXXX SERVICE BY SUBSTITUTION XXXXXXXX XXXX TO BE NO PROGRESSED XXXXXXXX XXXX NOTICE OF INTENT TO DISMISS-NO PROGRESS XXXXXXXX XXXX WAITING FOR NO PROGRESS DISMISSALS XXXX XXXX RETURNED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX JUDGMENT-DEFAULT XXXXXXXX  JUDGMENT OUTSTANDING XXXXXXXX XXXX RETURNED XXXX XXXX XXXX XXXX XXXX  GARNISHMENT RETURNED/MATH ERROR XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORDER TO BE SIGNED/CDS XXXX XXXX HEARING XXXX XXXX ADJOURNED-NOT XXXX XXXX DISCOVERY HEARING XXXX XXXX CANCELED XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX  DISCLOSURE FILED XXXX ORDER TO BE SIGNED/EXE XXXX REQUEST & XXXX TO SEIZE PROPERTY XXXX XXXX STATE XXXX MI XXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX XXXX DISCLOSURE FILED XXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF XXXX SERVICE -XXXX XXXXXXXX XXXX DISCOVERY HEARING XXXX
Consumer complaint received 2024-12-10
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: BARCLAYS BANK DELAWARE (NY)

I am writing regarding your letter dated XX/XX/year>, in response to my previous correspondence disputing the late payment information reported on my consumer credit report. I would like to address the issues raised in your response and reinforce my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. In addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-10-31
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. (DE)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2024-01-18
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: BETHPAGE FEDERAL CREDIT UNION (FL)

In XX/XX/XXXX, we leased a new XXXX from XXXX XXXX in XXXX XXXX, Florida. As part of that lease, we traded-in another leased vehicle that was leased through Bethpage Federal Credit Union ( BFCU ), from XXXX, New York . BFCU erroneously reported our last lease payment ( from XX/XX/XXXX? ) on the old vehicle as late. After failed ( denied ) attempts to dispute this information with all XXXX major credit reporting agencies on XX/XX/XXXX, we submitted, via US certified mail, a letter dated XX/XX/XXXX, for BFCU to investigate their reporting of the late payment. This reporting caused our otherwise excellent credit scores to drop nearly XXXX points directly as a result. On XX/XX/XXXX, I received an e-mail from BFCU indicating their investigation, reference # XXXX, " determined an amendment to the information being furnished is warranted. We have requested the agencies update your credit profile to remove the negative reporting for XX/XX/XXXX. '' and then they stated " Please be aware that although we have submitted this update electronically, the agencies may take XXXX ( XXXX ) to XXXX ( XXXX ) days to reflect the amendment on your profile. '' I replied to their e-mail on XX/XX/XXXX stating that it had been more than XXXX  days and the negative information is still being reported to all XXXX credit agencies. Their automated system replied that I would hear back in XXXX days or less. Today is the XXXX day and I've heard nothing. I've sent them another e-mail today however I can not wait any longer as it's been nearly XXXX  days since my initial reporting to them and nearly XXXX months since this whole issue began to fix their error. I am attaching the e-mail chain with BFCU and a screenshot from my XXXX credit report ran today, XX/XX/XXXX, that still shows the delinquency AFTER the account was closed!
Consumer complaint received 2017-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I am in the process of sunsetting my XXXX XXXX bank account. This included designating a new preferred bank account with Paypal. However, my XXXX account was still used with the most recent payments to XXXX and XXXX, causing my XXXX checking account to overdraft XXXX and costing me overdraft fees ( {$25.00} x XXXX ). The 'preferred ' designation appears to have no bearing as to which account Paypal XXXX to charge. 

The Paypal email message center only has a finite amount of categorized customer service actions. I wrote them with my issue only to have an unrelated canned response sent back.
Consumer complaint received 2020-05-08
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. (MA)

I can't find the contact for XXXX/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (KY)

Beginning in XX/XX/XXXX, we were the victims of a security breach of our checking accounts at XXXXXXXX XXXX  as a result of a security failure at the bank and resulting identity theft. ( This is the subject of a separate CFPB complaint # XXXX ). A bogus check was written for {$50.00} and XXXX assured us they would clear up the matter -- no need for us to pay. XXXX didn't fulfill their responsibility, the debt was turned over to TRS Recovery Services who began hounding us with collection phone calls. We've spent hours on the phone ( mostly on hold ) over several instances over several months trying to get the matter resolved, but TRS insisted on sending us multi-page forms to complete. Their Tracking # is XXXX. We did, but we also requesting that they contact a specific XXXX XXXX who could assure them we were not at fault. As recently asXXXX, I received a TRS collection call from their employee XXXX XXXX XXXX who insisted they had not received our completed forms but did acknowledge my XX/XX/XXXX and XXXX letters ( and attachments ) to them were in their file. These letters to XXXX XXXX at TRS confirmed the street address, phone number and email associated with the bad check did not belong to us. Once again, XXXX XXXX steadfastly refused to contact XXXXXXXX XXXX insisting that I contact the bank and have them contact TRS ( which I did immediately in an email to XXXX in their Client Advocacy Department ). I concluded the call by insisting that we stop receiving harassing phone call ( XXXX XXXX agreed ) and informed XXXX XXXX I would file a CFPB complaint.
Consumer complaint received 2024-01-18
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2021-04-27
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. (OH)

On XX/XX/XXXX, I sent Equifax a dispute letter ( attached ) disputing a collection account that is listed on my credit report that is fraudulent. On XX/XX/XXXX, I was notified that Equifax  placed a XXXX XXXX XXXX XXXX  account in dispute status instead of the following account : Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Acct : XXXX Original Amount : {$86.00} Balance Owed : {$110.00} Date Reported : XX/XX/XXXX On XX/XX/XXXX, Equifax received my received my dispute and has refused to place the fraudulent account in dispute and remove the account due identity theft. Based on the my original request on XX/XX/XXXX, I am requesting Equifax to block the information from my credit file and remove the dispute status from the XXXX XXXX XXXX XXXX  account that I did not put in dispute. If Equifax fails to take the requested action, I will file a lawsuit for violation of the FCRA.
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Carvana Group, LLC (AZ)

Have purchased a vehicle with Carvana LLC and paid using a corporate account of mine, having gone through the online service and verified all information including payment when entered online, after it's verified and signed by me and an authorized agent from Carvana approves of all documentation and payment process. I get a copy of what's called a purchase agreement from Carvana LLC sent to myself only after everything is verified. Got verified but Carvana LLC seems to not want to release me my vehicle I purchased nor delivered it to my home. But want for me to make another payment. All my payments were paid off. After doing my own research come to find out Carvanas creaters have been charged for fraud conviction and seems to me are still commiting fraud.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Jefferson Capital Systems LLC constantly sends me letters about a non-existent XXXX debt of XXXX. This is non-existent because I have never sent money with XXXX in the form of credit and haven't had an account open with them since I was a child.
Consumer complaint received 2024-10-29
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. (CA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (GA)

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 2024-10-31
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. (FL)

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.

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 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My issue is with Equifax acknowledgment that I am a victim of identity theft. I have submitted documents required to have information removed from my credit file. I was told by Equifax fraud agent on XXXX XXXX, 2019 that accounts would be blocked and removed with Identity theft report displaying the accounts in question. I am reaching out to consumer financial protection bureau to assist me in resolving the matter.