davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance XXXX XXXX  XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Consumer complaint received 2024-09-08
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. (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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX 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, 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 CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX  FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
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. (AZ)

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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (NM)

My original debtor sold my Account to Jefferson Capital System with out a written consent to me. I Have never signed a contract having a debt or authorizing Jefferson Capital System to have my personal information. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that Jefferson Capital System cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. Jefferson Capital System actions are infringing on my rights and must stop immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I have made numerous attempts to make my monthly payment on a closed XXXXXXXX XXXX account , the website no longer exists and Citibank, the accented voice on the phone, does not have access to the old XXXX XXXXXXXX account information. Plus, I do not have a XXXXCitibank card as the account was cancelled and in pay-off status. 

I have called the Citibank number a number of times as Citibank now has the XXXX 's credit card accounts. But, they only have the Citibank information, not the information from the old XXXX XXXX accounts. Plus, they wanted items like the name on the card for verification ; it is a cancelled account and the card was destroyed and I have moved and changed my phone number. I do have an previous XXXX 's statement as verification for the account, but it was under the old XXXX XXXX account and I could not use that to verify the old account and get a logon for the new XXXXCitibank website to make a payment . 

On one a call accented voice then said I could give him my debit card number to make a payment. I ended the conversation as how could the individual requesting my debit card information credit a payment to the new XXXXCitibank account if Citibank did not have any information on my XXXX/Citibank account and I could not log onto their website and make a payment?
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to file a complaint on behalf of Equifax. This is in fact me, XXXX, and no authorized party is sending this complaint so please do not send that back as a stall tactic! I have become very frustrated with this reporting agency. I have fraudulent student loans that have been sitting on my consumer report. When speaking to someone at Equifax, I was told that the FTC Report was required in order to have these accounts deleted. When I submitted in the appropriate information, I was then told the FTC Report could not be honored and that I needed something from the creditors stating that the accounts were in fact fraud. I have now received proper documentation to support dealing with those accounts and demanding that Equifax remove these student loans from my consumer report. As a consumer, I am highly aware that I shouldn't even be dragged through all this due to the responsibility that this consumer reporting agency has to uphold fair and accurate reporting! I am coming to the CFPB now because it seems that Equifax has continuously failed to do anything about this. I am pleading that this issue be resolved and that these student loans be deleted!!!!!!!!! This has become very draining at this point and is causing me a great deal of stress!!! I really don't know what else to do after this besides file a suit!
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

Briefly, back in XXXX I was contacted by a man who said he worked for a company called XXXX XXXX  and they help people with financing who want to buy a timeshare.he said he had a couple interested in buying my timeshare.everything seemed by the book, they sent receipts for all money I sent and even sent me a picture of the check I would receive but unfortunately at the end when it was too late I realized it was a scam and I could no longer get ahold of this man.this was a very XXXX man so I thought, I paid the money because I was promised something in return.please help me and read my letter and please refund my money.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I filed a complaint with Venmo because my phone was compromised and my Venmo was as well, I disputed XXXX transactions. XXXX  days later my Venmo dispute was denied because it matched previous history but I told them my phone and cards were stolen along with my friends, they refuse to look into this, they are refusing to help and refusing to reopen the case. I am at risk of losing my house and my car because I can not afford to just lose XXXXXXXX XXXX like that out of thin air that were for bills and other payments that are due. I am asking for Venmo to look back into this and reimburse my money fully.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (IL)

I purchase this car in XX/XX/year>, I have made my payments, on time woth hardship exceptions. They continual to raise the amount back to original amount. They are scamming me out of money. I CAN NOT TRADE THE CAR NO CAR DEALSHIP WILL EXCEPT THE VEHICLE DUE TO THE PAYOFF. WHICH THEY HAVE ALSO BLOCK MY PORTAL with my payment history. They also fail to disclose information about there loan obligations.
Consumer complaint received 2023-11-10
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. (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc. (KS)

On XX/XX/year> an appraisal was ordered in order to secure the loan on our home we were about to purchase. The appraisal was valued at {$380000.00}. We closed on the home XX/XX/year> for the purchase price of {$360000.00}. At the time of closing the Loan amount was {$340000.00}. 

On XX/XX/year> a large payment was made towards the principal for a loan modification ( recast ) in the amount of {$75000.00}. A payment in XXXX was made, making the new loan balance {$260000.00}. Dovenmuehle Mortage then sent us a letter dated XX/XX/year> stating that although we had met the 80 % LTV ( loan to value ratio ) they would not be able to remove the PMI requirement because they had conducted a new valuation of our property that suggested the value of our home had fallen below the original purchase price. 

This letter did NOT include any details regarding the findings or details of their valuation on our home. After calling both the customer service department and the Escrow department for Dovenmuehle I was informed that they were " unable to provide me with any details regarding the valuation ''. They continued to state that if I felt this was a clerical error I could purchase an additional assessment to be conducted for {$190.00} or pay them an additional {$4600.00} in order to lower my principal enough to bring my LTV to 80 %. They do have a copy of the original appraisal that was conducted on file dated XX/XX/year>. 

I contacted the bank ( XXXX  ) that our loan originated from to see if they could help in any way or request more details regarding the issue. They were given a completion date of XX/XX/year> and there is still no information provided from Dovenmuehle on exactly what they valued our property at, or even the details regarding the valuation. 

As it currently stands at the time of this complaint, we have a 73.24 % LTV ratio, yet Dovenmuehle states that is not enough to remove the PMI. Although they have not given me an exact number regarding their valuation on our home, my calculations show that their number places my new home value at approximately {$330000.00}. I am dumbfounded that in XXXX  days the value of my home somehow declined {$52000.00} in value " according to their valuation ''. 

If I am required to provide a detailed appraisal of the home before securing my home loan, and that is sufficient enough to proceed with closing, how is Dovenmuehle allowed to " conduct their own assessment '' of my property without providing any details to me or the bank regarding a {$52000.00} discrepancy? Additionally, requesting more money from the consumer after already having met the requirements and having the information needed to proceed on file, this entire situation feels fraudulent.