davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Open an credit line with XXXX. Payments on auto. Payment was blocked for insufficient funds to my surprise. There was a mistake on account on my end. Called weeks later to fix, told be rep no record of such an amount owed or actions taken on said mistakenly missed payment. Report on credit report as delinquent. I called in shock as I was told the payment missed could not be found, called, asked for investigation, was said would happen, fixed the payments missed, was told no record of investigation taking place or filed on my behalf. Operator apparently lied to me! Credit negatively effected unfairly! Tried to fix payment before delinquency occurred but told no record of such payment due. Phone call recording would prove all I say but no investigation done as I was told would be done! Dropped credit line from XXXX to XXXX while XXXX owed at a time when other creditor increased line of credit! Most importantly, delinquent report should not have happened as I reached out to fix issue and in turn given wrong information and lied to about request for investigation! More importantly, creditors online app for payments which caused days delay and return payments and yet they still deemed me delinquent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. THESE ACCOUNTS ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. REMOVE ADDRESSES : 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
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

XX/XX/XXXX I mailed out a XXXX dollar money order. I've given them enough business days to reflect it on my account. I go and check at the post office to hear they have cashed my money order and it's not my account. I've called for XXXX weeks straight to get it situated, emailed and uploaded my money order receipts directly to them and the only thing they say is that their finance department is cut off to them, and they know nothing about what they do in that department. I've received no help with Edfinanical. I'm a XXXX XXXX and I'm trying to pay my loan off because it's gaining interest. This is the XXXX time I'm dealing with them cashing money orders and not reflecting it on my account.
Consumer complaint received 2024-08-08
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy
Consumer complaint received 2024-08-08
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. (PA)

I originally disputed the inaccurate and unverifiable accounts on my credit report on XX/XX/2024. The items were verified as accurate with no proof as I had requested the documentation proving the alleged account had belonged to me. The company failed to provide them. I am currently in the process of applying for a mortgage and these unfavorable inaccurate are hindering me from an approval. In addition I have disputed directly with the creditors who are reporting this inaccurate information on my credit reports and they have not responded to my disputes either.
Consumer complaint received 2024-08-10
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. (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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-10
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. (TX)

I

n 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 2024-08-10
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-08-10
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. (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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-10
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. (IL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-08
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. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are causing significant damage to my credit file and are severely hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have resulted in immense hardships for me, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a comprehensive investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
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. (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 COLLECTION Account Number : XXXX XXXX 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 2024-08-08
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)

XXXX XXXX XXXX XXXX Fraudulently went into what was said to be a car loan contact, that was then unlawful turned into a security back asset without disclosure and then sold and traded for investments with out consent or disclosure. Once I realized the security fraud that was going on I rescinded the unlawful contract, notified the company and the IRS, of the fraud and have been requested the collateral asset back since. XXXX XXXX XXXX XXXX never disclosed all transactions that would be going on with this security back asset. XXXX XXXX XXXX XXXX then reported false information to XXXX, equifax. This account has been completely discharged through the u.s treasury and XXXX  continues to violate permissible purposes by sharing private information to a third party with out authorization
Consumer complaint received 2024-08-08
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Good morning dear CFPB team, On Friday XXXX, I realized that my PayPal account was definitely suspended and when I called the customer care service number the agent told me that apparently the platform I used to withdraw my money from PayPal to XXXX used a VPN to connect to PayPal. My PayPal account is linked to XXXX ( the service that I use in XXXX to bring PayPal money to that country ). Today I got in contact with XXXX 's customer care service and they told me that everything in my account was correct and they didnt find anything suspicious. I send a message to PayPal attaching the evidences that proved that I didn't to anything illegal and that I never did something against their policies, however their only responde is a cold " the decision in definitive and there is nothing we can do there ''. I called back and the agent told me the same, that there is nothing to be done. I don't understand how they can take these kind of decisions without considering all the evidences and supports that shows that everything is ok, this goes against democracy and the right I have to defend myself by showing evidences. I'm begging you to help me because they retained me {$420.00} and will released that money within 180 days, it's not fair that a big company as PayPal believes that they are untouchable gods. Finally, I asked them through the message customer care service to indicated me the specific reasons why they suspended my account which they never did, only responded with the same " we are so sorry but we already made a final decision ''. Thank you so much for all your support. The evidence is in XXXX attached is in XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc. (FL)

Beyond Finance and I went into a contract back on XX/XX/XXXX to relieve debt accrued over the pandemic to XXXX XXXX and XXXX XXXX  in the total amount being around XXXX. I was told bank settlements usually take 6-9 months on average. XXXX issued a summons for me a year and a half later. Beyond Finance explained ( this is all recorded ) that my monthly contribution was going to increase from {$440.00} to well over a XXXX a month. I was then advised to go to XXXX XXXX to take over the debt. I was told this was my only option if I wanted to avoid court if I didn't have the money to give them now. I called Beyond Finance on XX/XX/XXXX and asked them the amount I needed to give them to end our relationship. I was quoted {$22000.00}. I made sure that this would end my debt and relationship with them. They agreed that this settles the account in its entirety. I stopped my biweekly payments to them at that time because I was told they were no longer needed. In XXXX a person showed up to my father 's house with a summons for me prompting me to call Beyond Finance. They told me they would not close the account unless I gave them another {$3500.00}. I spoke with a manager who assured me it would be taken care of. Her name is XXXX. 

No movement is being made, my credit score is completely shattered, and Beyond Finance has told me since XXXX that it would be finished the next week over and over. During this time I have received multiple harassing phone calls demanding more money or the account will not be paid off. 

I spoke with XXXX at Beyond Finance on Friday XX/XX/XXXX and she assured me it would be done this week. 

I have filed a complaint with the XXXX XXXX XXXX  case # XXXX. Beyond Finance has yet to respond to the XXXX  and is refusing to pay XXXX XXXX  after my final deposit. I can't get them to do their job so I'm hoping for help as my credit score is tanking and I can't do anything about it
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery and Associates garnish my bank account on XX/XX/XXXX. For a XXXX XXXX debt they said I owed in XXXX I have no idea what they're talking about. I called the courts and they said it was from a judgment in XXXX that I never attended. So XXXX years later they can just seize my bank account and never notify me.