davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

Inaccurate accounts listed : XXXX Portfolio RC Account Number : XXXX XXXX : Portfolio Recovery A Account Number : XXXX XXXX : PORTFOLIO RECOV ASSOC Account Number : XXXX 15 USC 1681 , section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is inaccurate.

As you can see theres several inaccuracies circling throughout all 3 bureaus. According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Clearly this law was not followed through, if I am seeing inaccurate information on my credit report in XXXX, XXXX and XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXX XXXX  with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX XXXX  with a balance of {$250.00}, XXXX  XXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (SD)

This is the second time Ive had to deal with Checkr having incorrect information on my background report. I have filed many complaints to them and they do not investigate the inaccuracies. This has resulted in my inability to work for several months. I can not get anything other than form responses back. They are way past the 30 day requirement to work on this. 

They claim to be waiting in county records. The counties claimed, Ive never even been to the States they are in. It is clear they have collated someone elses records with mine, but refuse to investigate my complaint. So I took it upon myself to contact those counties and both reported Checkr was lying to me. Both reported there are no records whatsoever and they havent received a request for records on me. 

In review online of other complaints against the company, it appears they do an investigation when a complaint of inaccurate information is filed. Based on my research, Ive found that I am the sole example of them refusing to conduct an investigation as required by law. The only difference between me and others they are conducting checks on is that I am XXXX. It is the single difference I can find. At this point, the second time this has happened, I believe the company or employees are discriminating against me do to my XXXX. I have no criminal record. Its been approximately 60-90 days this process has been ongoing, with no attempt by Checkr to do as they are required by law.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with Equifax/XXXX/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.
Consumer complaint received 2024-01-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

I sent a communication to GOLDMAN SACHS, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( GOLDMAN SACHS AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Consumer complaint received 2020-07-24
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I originally borrowed {$600.00} from National Small Loan and I already paid {$870.00} and now they are stating I still owe them an additional {$850.00}. I already paid over {$270.00} in interest which is equivalent to an annualized percentage rate of over 500 %. This is illegal in the state of Florida. The maximum annual percentage rate is 18 %. 

Florida 's usury laws, set forth in F.S Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than {$500000.00}.
Consumer complaint received 2024-10-07
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. (OK)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-01-11
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. (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 2020-07-24
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. (FL)

went to XXXX XXXX of XXXX on XX/XX/2019. I attempted to purchase a car, and was approved for an auto loan. I decided not to move forward with the purchase and went to another auto maker dealership to purchase a new vehicle. 5 days after, on Friday XX/XX/2019 at around XXXX XXXX, I started receiving credit inquiries alert from different credit monitoring services. I found out that an auto loan application was submitted under my name by XXXX XXXX XXXX  XXXX. I contacted the dealership over the phone right away and did not receive an explanation. I drove over to the dealership that same night and was told that my name was " crossed with another customer '' who had my same last name ( XXXX XXXX ) as a letter that I requested from the dealership the day of the incident explains. About a week after, I started to receive auto loan application denial letters, and found out that my name was not really crossed with another client, I was actually added as a co-applicant with that same person that has my same last name. Two weeks after not receiving any updates from XXXX XXXX XXXX XXXX, I decided to contact XXXX XXXX XXXX headquarters, owners of the dealership, and they were able to have XXXX XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX, to contact me. He advise me to file a dispute with the credit bureaus as that was the quickest way to have the inquiries removed. On XX/XX/XXXX, my attorney XXXX XXXX XXXX, XXXX ; sent a letter to XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX in charge the day of the incident ), the letter requested the issue to be resolved within a timely manner. As of today, I have not been able to get the unauthorized credit inquiries deleted from my credit report, and was told by all three credit bureaus ( Equifax/XXXX/XXXX ) that they were valid, an that XXXX XXXX is who can have them removed. On XX/XX/XXXX, I met with the Finance Manager, Mr. XXXX, he was aware of the situation and was surprised that it was not taken care of. He personally offered to take care of the situation and was going to keep me informed. I have emailed Mr XXXX 3 times after I spoke with him and he hasnt responded or the problem been fixed. Help please!!! No entity seems to br able to assist me with this matter and set some type of example to companies like XXXX XXXX when they make unacceptable mistakes like adding someone without authorization into a loan application! Help me please!!!
Consumer complaint received 2024-01-11
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)

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.In accordance with the Fair Credit Reporting act. 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 Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Capital One EIN/TAX ID : XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Complaint Regarding Credit Card Denial Due to Past Account - Violation of FCRA Dear Sir/Madam, I am writing to formally express my concern and lodge a complaint regarding the recent denial of my credit card application with Capital One. The adverse action notice I received stated that my application was denied due to a past account with Capital One. I believe this decision may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate, current, and relevant to the applicant 's present creditworthiness. 

Details of the Denial : Date of Application : XX/XX/year> Reference Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA, 15 U.S.C. 1681, requires that credit information used to make credit decisions must be accurate, fair, and up-to-date. Denying my credit card application solely based on a past account, without considering my current creditworthiness or verifying whether the information is still relevant, is not consistent with the principles of the FCRA. 

Moreover, the FCRA mandates that consumers have the right to dispute inaccurate or outdated information on their credit reports. If the denial was based on such information, I am requesting a re-evaluation of my application based on accurate and current data. 

Request for Action : I respectfully request that Capital One : Reconsider my credit card application in light of my current financial status and credit history. 
Provide a clear and detailed explanation of the specific reasons for the denial, as required by the FCRA. 
Ensure that all information used in making this decision is accurate, relevant, and up-to-date. 
Supporting Documentation : Enclosed with this letter are the following documents : A copy of the adverse action notice I received. 
A copy of my credit report, highlighting any information related to the past account mentioned in the denial. 
Please address this matter promptly. If I do not receive a satisfactory response, I may be compelled to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure my rights under the FCRA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX