davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (TX)

XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX ). 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

Equifax, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

Equifax, XXXX, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
Equifax, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX XXXX Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limiXXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX  XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX  credit limit XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TX)

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # 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 an account without my written instructions
Consumer complaint received 2022-10-06
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. (MD)

Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. Equifax, however, said they could not change the information, even after verifying my identity.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 cause to believe that the information is inaccurate.

The following inquiries were also opened under my social security number fraudulently. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit, Inc (CA)

At XXXX XXXX  my car was getting repo. I asked for all license info I was ignored. Then was told there was nothing I could do to stop him. It took XXXX to hook up my car once the back tires were lifted he dragged my car with the brakes on, causing a issue registered in my app. Its been XXXX hrs and have not been notified about a court order or seisure or my property. My car has been entered and moved a number of times while being stored
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I put a refund request into EdFinancial on XX/XX/2022 for payments made during the XXXX payment moratorium, based on guidance from the Department of Educations website. During this time I have called EdFinancial multiple times to get a status update on the process and to confirm the amount that will be refunded. 

They have never been able to provide me with an amount that is being refunded even though they say that it is processing. About two weeks ago {$190.00} was added back into my account which I assumed signaled the start of the refund process. The amount was odd since I've never made a payment of {$190.00}, my typical payments were {$270.00}. The representatives I spoke to couldn't give me an answer of why the amount was off. 

When I asked if a check was noted as being process sine the amount was added back into my account, they told me they couldn't confirm that information. When I asked about how the refunds are being handled they still noted a 4-6 month time period even though the process has started. This amount is much longer than the 72 hour refund window other providers have been offering. 

In general there's been a lack of transparency which, from what I've read of other 's experiences, seems to be common with this loan provider and would like to file a complaint.
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (NY)

This is in response to file number XXXX. 
Comenity Capital Bank, XXXX XXXX XXXX XXXX responded on XX/XX/2020 that I used the account and failed to close it in thirty days. 
The document provided did not show terms and agreements with the option to cancel within thirty days. 
I contacted XXXX XXXX XXXX XXXX on XX/XX/2020 requesting an explanation on the approval of the loan and to have it withdrawn as stated in the following emails communication between XXXX XXXX and myself thus their statement of failing to contact the Company or vice versa is false : XXXX  XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to solutions Customer Care, I was recently approved for a loan {$11000.00}. Can you provide me with the application and an explanation of the criteria used to approve the loan? 
Best Regards, XXXX XXXX. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to me Hello, Thank you for contacting us here at XXXX XXXX XXXX XXXX XXXX I would be happy to assist you today. 
I am unable to locate an approval for you on my end. Did you apply for a personal loan or a patient solutions account? If you applied for a patient solutions account, you would need to give us a call for assistance. However, generally speaking, we look at your entire credit history to determine if you are eligible for financing. We have no minimum credit score requirements. 

If you have any questions, we are here Mon-Fri XXXX EST. Our phone number is XXXX. 

Thank you!, Questions? 

Text us at XXXX or click link below to chat live! 

cid : XXXX XXXX XXXX EST __________________________________ XXXX XXXX Chat & Email Specialist XXXX XXXX XXXX XXXX XXXX f XXXX On XX/XX/2020 I called XXXX, spoke to XXXX XXXX Informed the loan was approved based on my credit score. I told him I am unemployed, I can't repay this loan and have it removed. He said I will get documents in the mail to cancel the loan but the documents I received was another bill and a loan increase.
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (CO)

This company is a first class harasser. If one day and I do mean ONLY ONE DAY has passed after the payment due date they are calling more then 4 times a day asking for payment. They harass even when the payment has been scheduled. Per FDCPA a creditor may not call more than 8 times during a week, these people in less than 2 days accomplish that. This company needs to be held liable for harassment.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

the reason for my complaint with Capital one. 

So Capital One sent me a letter regarding why they denied me the reason of stating that one of my accounts was recently XXXX or more days past due, which is false I have never been late with Capital one. all of my payments have been prior to the due date and auto sign up on the accounts, when confronting Capital one they have stated that is true, which is not true and completely false as if I am being discriminated against by Capital One by having a credit card with them.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer did not give NCB Management Services Inc. written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.
Consumer complaint received 2024-08-13
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance Owed : {$290000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

My credit score was reported to bank as under 800 ( XXXX ) when I applied for a used car loan. There is nothing adverse on my credit report. The same credit reporting companies reported my credit score to me as over XXXX through XXXX and FICO. This faulty report disqualified me from receiving the preferred interest rate on a Used auto loan. This will result in me having to pay {$840.00} more over the 60 month term of this loan.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

On or about XX/XX/2022 I deposited a {$10000.00} check from a friend into one of my Ally Bank accounts. Even though my friend contacted XXXX ahead of time, the check was erroneously flagged 'return to maker ' by XXXX XXXX Ally froze all my accounts, including one owned by my mother, because of the status of the check. A week later I cleared up the confusion at XXXX and they changed the status of the check, however Ally still has my accounts frozen and I have no recourse to get access to my money. I've contacted Ally several times, including letting them know that XXXX changed the status of the check, have left messages for a return call from a supervisor, and have been told that an investigator will get back to me, but still have not gotten a call from anyone at Ally.
Consumer complaint received 2022-06-15
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. (TX)

15 U.S.C. 1681 a ( 2 ) states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of- ( 2 ) a copy of an identity theft report. 

To which case, this happened to be XXXX XXXX ( XXXX XXXX )/
Consumer complaint received 2022-06-14
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. (SC)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-14
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: United Collection Bureau, Inc. (OH)

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 
.6.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX, XXXX, Experian Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX XXXX responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.