davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 causes to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am filing a complaint against what I believe to be predatory lending practices by Capital One Bank. I was offered a settlement for an account that had been written off, with a total settlement amount of {$440.00}. The agreement required me to make XXXX equal payments of {$140.00}, starting on XX/XX/year>, to settle the account. 

I successfully made XXXX payments toward this settlement. However, when the third payment was due on XX/XX/year>, an issue with my bank caused the payment of {$140.00} to be returned. I contacted Capital One the same day to resolve the issue and make the final payment. I was informed that the payment plan had broken and that they would need to escalate the case to reinstate the original settlement, leaving only the final payment of {$140.00}. 

Despite following up, I never received a response regarding the escalation. When I contacted Capital One again, I was told that they could no longer honor the previous settlement and that I would need to set up a new payment plan for {$450.00} to settle the account. 

This feels like a clear example of predatory lending, where a financial institution takes advantage of its customers. At a time when people are doing their best to meet their financial obligations in a tough economy, companies like Capital One should not be allowed to exploit these situations. 

I request that Capital One honor the original settlement and allow me to make the final payment of {$140.00} to close the account, or alternatively, refund the XXXX payments I have already made. This situation should be investigated, and I believe there must be guidelines from the XXXX regarding such practices.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following item must be updated : XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (AL)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2024-10-10
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. (CO)

violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... ..XXXX XXXX XXXX ... Account XXXX XXXX ... Account Name .... XXXX XXXX XXXXXXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXXXXXX ... XXXX Account XXXX XXXX ... Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account Name ..XXXX XXXX XXXXXXXX XXXX XXXX .... Account # XXXX ... Account Name... XXXX XXXXXXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXXXXXX XXXX XXXX... Account # XXXX .... Account Name .... XXXX XXXXXXXX XXXX XXXX ... .. Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX. 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. 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 reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX XXXXXXXX. XX/XX/year>, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and MHOELA website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

Account was withdrawn in the amount of {$580.00} due to fraudulent XXXX XXXX transaction. Disputed with Navy Federal, refused because is considered a cash transaction. 

This is fraud. I am undergoing health issues and have been homebound. Do not know the persons who money was transferred to. This is causing financial distress, was unable to pay car note. 

I have since closed XXXX XXXX, received a new debit card and frozen Credit Bureaus. Already had fraud alert on the account. 

My banking history does not support such a transaction.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (LA)

I purchased green onions from XXXX and the product has an artificial nail in it. These are the ones that the employees cut up and put out in the produce aisle. I called XXXX after I threw up at the thought of what was done. No hygiene or food safety handling was involved in this situation. If it were this would have not happen. I pretty sure there are safety protocol violations for this not to happen. What was really insulting was when I called them they act like it was my nail. Horrible.
Consumer complaint received 2024-09-21
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. (MA)

To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the XXXX XXXX due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

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

Im looking to qualify for a loan to further my education. After recently reviewing my credit report, I noticed some inaccurate information on my file.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am requesting that these items be removed under FCRA : XXXX XXXX / XXXX XXXX ( Inquiry ) XXXX XXXX ( Delinquency ) XXXX XXXXXXXX XXXX ( XXXX ) I'd deeply appreciate if this matter could please be investigated and deleted per the disputed items, as soon as possible. Thank you!
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IL)

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. all of the charges are not mine this is the second time and American Express is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize no one. The lady I speak did not even do anything to fix my balance
Consumer complaint received 2024-09-21
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. (NC)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a XXXX  party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, XXXX, Equifax, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CT)

I keep filing a complaint and they keep responding with the same response, verbatim. I CONTACTED XXXX numerous times already and they said that there's no way that they can help me at all, I was told be them each and every time I contacted them " Only MOHELA is able to take care of this issue ''. My student loans was approved for discharge through the XXXX XXXX  XXXX XXXX program in XXXX XXXX. However, my student loans still have not been discharged and is reflecting on my credit, I reached out to all of the credit agencies and they have all informed me, that they have not received any information regarding discharge. I keep contacting MOHELA and they keep disregarding my complaint and sending me a copy and paste message to each complaint. I was approved for discharge and they need to discharge it.
Consumer complaint received 2024-09-21
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. (CT)

Errorenous reporting that must be REMOVED. It's been over 60 days since XX/XX/year> I sent my dispute and I havent received a response. This must be removed immediately BankruptcyXXXX  Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX  Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In response to the CFPB complaint # XXXX - XXXX This a formal dispute again, XXXX XXXX, you have insulted my intelligence for the last time, because a consumer reads and comprehends and is able to put dispute letters together you feel like stall tactics are away to disrespect my character by stalling and claiming that this letter is from a credit repair agency, let me be very clear with you. I am an educated consumer and this is a formal dispute again. Because I will not be addressing this matter a 3rd time, the 3rd response from me will be legal action. So I implore you to send this to your legal department or whichever department that can handle my disputes correctly. Your Job is to correct inaccurate information on the consumer reports not tell me who Im working with or that I can do it myself. 15 USC 1681s-2 ( 8 ) ( G ) whether i choose a credit repair organization or not it is none of your business. The information that your furnishing as late is inaccurate, your furnishings is not in compliance with 15 USC 1666b and Im requesting to prove that they did what 1666b required an order to furnish a late payment and to see if there in compliance with 15 USC 1681s-2 ( 8 ) ( E ) ( 3 ). Because in accordance 15 USC 6802 GLBA I have the right to opt out, and I have to give consent. Upon the receipt of documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt Attention and Response are both requested and required. I went to a notary and sign these documentation in front of the with your games. XXXX  XXXX Account # XXXX Signature XXXX : XXXX-
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

The credit bureau, ( XXXX/Equifax/XXXX  ) has allowed an account from XXXX XXXX XXXX to be reported without properly verifying its accuracy. This account has no identifiable account number, is misrepresented as Original Creditor, and was illegally re-aged. Despite disputing this with the bureau, it has remained on my report, resulting in a significant credit score drop. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and completeness of reported information. I am seeking the immediate removal of this inaccurate account and for the bureau to enforce proper verification standards moving forward.
Consumer complaint received 2024-09-18
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. (LA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (MA)

I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX