davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On date -the date of XXXX representative XXXX XXXX XXXX XXXX received a subpoena from the XXXX XXXX XXXX XXXX that Schools First Federal Credit Union later refused to comply with. Some time later on the date of XXXX at the same XXXX XXXX XXXX XXXX XXXX XXXX Lied repeatedly and told myself to my face that the XXXX XXXX XXXX account ( s ) and the account ( s ) of the XXXX XXXX XXXX are empty as they contain no money whatsoever and then he refused my request to provide documentation to prove his statement. I know this is a lie and untrue as I know for a fact that the account receives payments from multiple annuities every month. XXXX XXXX XXXX then received from myself the XXXX XXXX XXXX document, and he then scanned the document and wired it to a XXXX XXXX over at the XXXX XXXX XXXX Schools First Federal Credit Union. XXXX XXXX XXXX went on to say that XXXX XXXX XXXX owes the credit union {$3400.00} and that his wife XXXX XXXX XXXX XXXX owes this same credit union {$6400.00}. XXXX XXXX XXXX  went on to tell myself that if this money was paid to the credit union that I may assume control of these accounts. I then requested at that time a full accounting to be printed out of the status of these accounts from the year 2020 to present and I was refused the same by XXXX XXXX XXXX, of the Schools First Federal Credit union in the XXXX XXXX XXXX XXXX, California. USA
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX XXXX XXXXXXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXXXXXX SOC SEC # XXXX XXXXXXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IL)

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 Failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (NC)

Contracts callers Inc. is supplying incorrect information to my consumer report. They have not provided any verification of the alleged debt or validation. They have not supplied any contracts with my wedding signature. They also did not receive consent to report any information on my consumer report. I have never done any business with them whatsoever. They are violating my consumer rights as per the FCRA, the FDCPA, and The Privacy Act 1974. Please see attached.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (TX)

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$170.00} with CREDIT MANAGEMENT LP I did not sign a contract with CREDIT MANAGEMENT LP and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CREDIT MANAGEMENT LP Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CREDIT MANAGEMENT LP has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CREDIT MANAGEMENT LP is flagrantly disregarding consumer protection statutes. I demand that Experian/ TransUnion investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX - # XXXX Account settled. According to IRS guidelines, a XXXX reports it as income. I want the settlement status removed. Equifax is also showing it as 120 days late. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, Equifax updated incorrect amount as correct. 
XXXX  XXXX # XXXX. Disputed amount owed, Equifax still updated incorrect amount. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to this account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXXXXXX. The debt is reported as written off, which makes it taxable and needs to be removed from the credit report. Equifax is reporting it as updated info. 
XXXX XXXX XXXX XXXX # XXXX. Account settled, which makes it taxable income. Equifax reporting as updated and correct and as late payment. Want removed. 
XXXX XXXX XXXX XXXX. Disputed balance. XXXX paid off. Equifax reporting updated, {$610.00} balance.Requested original documents. Requesting validation of account. Payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reporting balance of {$820.00}. Requested original documents. Request validation of account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Account Paid in full. Request that it be removed from collection. 
Requesting validation of all inquiries. Documents to verify authorization of the inquiries.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Payments for {$700.00} have been pulled monthly for the life of the loan. Last billing statement was generated on XX/XX/year> showing {$300.00} due as remaining payment. No indication on the invoice that the full recurring amount was to pull. TFS pulled {$700.00} on XX/XX/year>. Called TFS  on XX/XX/year> and was told that return payment will take a month or longer. Received email on XX/XX/year> that payment of {$300.00} was posted to the account with no reference to the overage draft. Bank account went into overdraft on XX/XX/year> due to other payments not for TFS and had to scramble to reallocate money. This is not right and TFS should not be able to pull overage amounts from its customers. I would never have even known that the overdraft and the amount pulled were incorrect if I didn't have automated notifications set up with my bank. Nothing from TFS was sent to me showing the actual amount paid vs posted.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P&B Capital Group, LLC (MN)

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank claims to have forwarded funds to the state comptroller 's office from my closed account. The state states they have no such record. I have requested the details of the escheated funds to include the name, date, and check number or any details that validate the funds were forwarded to assist in the search. Chase has provided nothing to confirm the transaction.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I was booking a XXXX XXXX flight. During checkout, there's a prompt pitching the American Express XXXX XXXX credit card where it offered {$200.00} Statement Credit after making a XXXX purchase within 6 months. It also states " Know if you're approved with no impact to your credit score. If you're approved and accept this XXXX, your credit score may be impacted. '' It also states that I'll get an instant credit card number to use instantly on the current XXXX purchase. I applied, and was notified that I had been approved. It then ask me if I wanted to accept and receive the instant card number to use immediate. As I was already making a XXXX purchase, I accepted so I can use the card to satisfy the {$200.00} Statement Credit offer. However, after clicking accept, I got a prompt that there's a technical issue and that an instant account number can't be generated but fear not, they'll email it to me. Once I received the email ( almost instant ), I clicked the link to get my number. However, it led me to a screen stating " We're sorry, our systems are not responding right now. We apologize. We are unable to provide your Card Number at this time. Your physical Card will arrive by Tuesday, XX/XX/XXXX. '' They definitely have the account number created as the email should the last XXXX digits of the card number ( see attached screenshot ). I called American Express immediately and was told they can not provide over the phone and that I'll have to wait for the card. I realized then I had been bait and switched. I then asked then to null and void the application as if it never happened since I did not get my instant account number as they stated I would. They did not do so. I was fraudulently induced into applying for the credit card either by XXXX XXXX ( it was on their checkout screen ) or American Express ( they process the application and represented that I would get the instant number to use ). Most likely both XXXX and American Express conspired to fraudulently induce me into applying for the credit card and then conveniently have a server issue where an account number can't be generated so that 1 ) American Express would not have to make good on the {$200.00} credit card statement or 2 ) force me to make another XXXX purchase within 6 months in order to receive the credit statement.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Financial, Inc. (NM)

On XX/XX/year> I contacted the CFPB about Scratch Financial having three negative entries on my credit profile. These were in fact paid off, and yet Scratch continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I have XXXX complaints about that XXXX  CITI company. 
XXXX I received an email and was expecting to receive a reference letter. I called and asked the agent if I could update my home address because I just moved about a month ago. She suggested to me to go to the post office, but I can not tell which one of them because there are two offices near my previous address. She still forced me to do it. So I XXXX XXXX XXXX and called her an XXXX. 
XXXX They left me no choice, but to close my account. I went to the branch and see if they could do something for me, but the banker wanted me to call. So we called together and tried to close my account, but the other agent is being a jerk also. She recommended me to receive a reference letter before closing an account. That doesnt make any sense. There should be a way to close my account. I told her that it was all on her and her coworkers for ruining my life and my vacation plan. I wanted her to say that it was her fault, but she said no. She wants to deny the truth. It IS their fault for letting me down. 

I blame the CEO for this too. He or she should never recommend anyone to receive the reference letter for verification
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.