davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (TN)

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 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 an 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 2024-08-13
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. (CA)

Complaint against EQUIFAX for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/year> ( R ) I previously filed a dispute with Equifax regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EQUIFAX failed to conduct a thorough investigation and the disputed account remains on my credit report. As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EQUIFAX failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EQUIFAX complies with its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dispute of Incorrect Address on Credit Report Dear Experian, I am writing to follow up on my previous dispute regarding the incorrect address listed on my credit report. As I explained in my communication on [ Date ], the following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
According to the15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal CR Union Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
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: Experian Information Solutions Inc. (NJ)

DELETE THIS INCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERIFIED PROOF IS DEMONSTRATED PER u. s code 5 U.S.C. 1681 ET Seq. Section 604 of Fair Credit Reporting Act. 

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
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. (MN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

Most recent complaint that has been closed has not been resolved and was once again closed without resolution. Most recent complaint has been closed since the company provided a response. The responses are in fact lies. To date today, XX/XX/XXXX no access to XXXX XXXX is available. I have made multiple calls, sent secured messages through nfcu message system, met with the branch manager of the XXXX location 2 times and have been told the data is available and NO DATA IS AVAILABLE. I have filed multiple complaints in which NFCU has not provided any details or resolution. I verified this again today by logging in and the XXXX XXXX is not available, XX/XX/XXXX. I was told by several members of the XXXX  team that this is a wide known issue at NFCU and they are working to resolve. THIS IS NOT RESOLVED. I HAVE NO ACCESS TO MY XXXX XXXX ORIGINALLY REQUESTED ON XX/XX/XXXX. I have attached screen shots of my XXXX pages, taken today, to show the data is not available. NFCU stated 90 days of data is available at a time which I have always complied with in gathering XXXX XXXX. I attempted to download from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' I attempted to download data from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' NFCU continues to mislead all organizations, credit union members and business organizations by providing false narratives and blocking members from XXXX  XXXX. Please advise. This complaint will continue to be pursued since no resolution has been provided by NFCU to retrieve electronic transaction detail as requested on XX/XX/XXXX. Telling the members we are provided all details on a hardcopy statement is not a resolution in any manner. NFCU continues for provide false, fraudulent and misleading information. I will continue to pursue my electronic data until I am provided this information since NFCU continues to lie and provide fraudulent responses. Advise immediately
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-13
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$17000.00} 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 XXXXXX/XX/year>
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MO)

I am writing to address a concerning issue regarding the title of a trailer that I recently financed through XXXX Financial. To date, I have not received the title for the trailer, and as a result, I am unable to register it in accordance with Missouri laws. 

This oversight is causing me significant financial harm, as I am unable to legally operate the trailer and utilize it for its intended purpose. I believe that this situation violates the law and is a breach of the terms of our agreement. 

If this matter is not promptly resolved, I will have no choice but to seek legal action against XXXX Financial and XXXX XXXX to rectify the situation and claim damages for the financial losses incurred.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC (NC)

I asked Continental Finance for my payments deferred as my protection plan ends and I do not have a job. I emailed and no one answered. I contacted them through CFPB about my credit protection and the company never responded about me not being able to make payments. Now I am in the same position with the company refusing to honor a request since I am having trouble paying because I do not have a job.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (LA)

I contacted XXXX cred card companies, XXXX  XXXX and Barclays Bank. I informed them they are fraud, and this is identity theft as I never applied for these cards. They were supposed to close these cards and report them. I checked my credit report, and they are still open. I contacted XXXX to report the fraud, and they did an investigation but said everything is accurate. It is NOT! I never applied for these cards, and I never received these cards. They have been used and are not being paid. This is negatively affecting my credit.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE (MI)

As per complaint XXXX, whoever it was that responded stated they would send me a validation/verification of debt and to date have not. They also stated they would remove the debt from my credit report. There are 2 charges on there for {$510.00} both from the same company ( Avante ) and for the same company ( XXXX XXXX XXXX ). Only one has been removed. I was told both would be and that has not happened. They split the charges to damage my credit instead of one single charge as it should have been.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

I was victimized by a lottery type scam ( PCH prize patrol impersonators who were to pay off all my credit cards and persuade me to use my cash advance features to gather XXXX dollars in cash for up front fees to insure a XXXX cashier 's check to come to my door from XXXX. The accounts they used to pay off my debts belonged to other victims of this scam. The full balance payments bounced and Target Red Card Services ONLY HAS A DISPUTE DEPT-INSTEAD OF FRAUD. THE REPS WERE FROM XXXX AND OTHER COUNTRIES. SOME LIED AND SAID THERE WAS A FRAUD DEPT. OTHERS SAID I WOULD HAVE TO USE VENDOR TRANSACTION DISPUTES FOR THE FRAUDULENT PAYMENTS WHICH WERE NOT CHARGES TO A VENDOR MERCHANT. INSTEAD OF EXPEDITING AND REVERSING LATE FEES- ( THEY WOULD NOT ALLOW ME TO MAKE A PAYMENT WHILE THE FRAUDULENT FULL BALANCE PAYMENTS WERE STILL PROCESSING AND NEVER UNDERSTOOD WHAT I WAS TRYING TO TELL THEM. ONE FOREIGN REP ASKED ME 5 TIMES IF I WAS CALLING ABOUT A CRDDIT OR DEBIT CARD. TARGET HAS MISCLASSIFIED MY ACCOUNT AS REVOKED FOR LATE OR BAD CREDIT AND THEY SHOULD HAVE IMMEDIATELY RESOLVED THIS AND WAIVED THE LATE FEES AS A COMMON COURTESY. 
THEY TOLD ME IT WAS NOT FRAUD. 
I CONTEST THIS AND WILL REPORT TO THE BETTER BUSINESS BUREAU THAT TARGET MISREPRESENTS THEIR CREDIT CARD 'S SECURITY AND INTEGRITY OF PRIVACY PROTECTION AND HAVE FOUND PERSISTENT DISCREPENCIES IN THE AUTOMATED TELEPHONE PAYMENT CENTER. I AM ALSO SEEING HIDDEN fees.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX OF XXXX - XXXX 3. XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX  - XXXX 1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-20
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc (FL)

This lending shady compnay Affirm harrassed me many times after I stated that I have financial issues. They refused to help and continues harassing with several texts a day. Then went to my credit report trying to ruin my credit by reporting late payments. Also they refuse to show license to lend in the state of Florida and validation I owe this money. This is a shady business and need to be investigated in California
Consumer complaint received 2023-09-02
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)

I previously disputed accounts with XXXX, Equifax and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (FL)

I contacted indigo when a charge on my XXXX XXXX account went through on my previously closed indigo card. When I was asking why the charge was approved and the card wasn't closed the indigo employee disputed the transaction when I said it was a legitimate transaction and I would pay it but wouldn't pay the annual fee caused by them not closing my account when I called originally. Now the charge was flagged as fraudulent and I can no longer use XXXX.