davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Multi people have had used my personal information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX home loan under my XXXX XXXX XXXX XXXX XXXX. XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX for drug trafficking stolen cell phones under my information XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (CA)

Good morning BMW FINANCIAL, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on an auto loan account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NH)

Car belonging to ex husband is listed as a joint account. I was NEVER on this loan, in fact in 2016 it was listed on my divorce decree free and clear, not my debt. My ex filed bankruptcy a few years back ( post divorce ) and now ford motor is listing debt as mine. I have disputed many times with them as well as 3 credit bureaus and they NEVER send me updates or confirmation letter.
Consumer complaint received 2023-12-08
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)

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address significant concerns regarding billing errors on my accounts as per the United States Code, specifically TILA ( 15 U.S. Code 1666 ( b ) ).

Upon reviewing my credit report, I identified multiple billing errors falling under the provisions of 15 U.S. Code 1666 ( b ) specifically, ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor; and ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement.

I am particularly disturbed to find discrepancies related to the notification period for statements. According to my understanding of the law, a creditor is required to notify me at least 21 days ( approximately XXXX weeks ) before a statement is due. This notification failure has led to unwarranted late payments on the mentioned accounts. I hereby request solid proof from your records that substantiates these alleged late payments. 

The following accounts have been adversely affected, and I insist on their immediate correction in my consumer report to reflect the accurate status as " paid as agreed '' : XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Late Payment Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to consumer protection laws, these accounts must be promptly updated or deleted from my report. Failure to do so will compel me to seek monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Additionally, please be advised that a formal complaint has been submitted to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I trust that your prompt attention to this matter will help resolve these issues amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I see that TransUnion is reporting XXXX XXXX on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, the Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''.
Consumer complaint received 2023-12-09
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. (FL)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Logged into Transunion to place freeze on my credit report. Transunion website errors out and displays this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX a.m. - XXXX p.m. and Saturday - Sunday XXXX a.m - XXXX p.m. XXXX XXXX. '' Logged into XXXX to place freeze on my credit report. XXXX website errors out and displays this message : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) ''
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

This is to add to my previous CFPB complaint which was closed, by the companys response. 

I asked whether I could have my account updated AFTER making a payment, which the company confirmed via CFPB although through email they said the exact opposite. I continue to struggle with getting a clear response across different representatives for XXXX. So I defer to the responses received via CFPB. 

However, this is a separate complaint. I reached out to XXXX after making another payment on XX/XX/XXXX. This payment should have reflected as my XXXX payment, pushing my next due date to XXXX. It also should have allocated to all of my loans and had less interest. I submitted screenshots of the proof that my payment said it would allocate across all loans, I asked when they would correct my account. They responded that they had my CFPB complaint ( which is not true because it was CLOSED and not related to my payment actually being allocated incorrectly ). I told them this and asked for a timeline on the correction. I never received a response. 

I have since emailed XXXX times ( including today ) and have yet to receive a response despite their email confirmation saying it should take two-three days. 

I dont like wasting my time making CFPB complaints. I would prefer a servicer who actually services BUT if XXXX refuses to practice fair and honest business practices I will continue to report it so they have to answer to that.
Consumer complaint received 2024-09-25
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, 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 the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-07
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. (CA)

XXXX. XXXX XXXX XXXX has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report.

2. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt.

3. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation.

4. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information.

5. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

6. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately.

8. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.
Consumer complaint received 2023-12-07
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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)

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name XXXX XXXX  Amount Reported : {$21000.00} Creditor/Lender Name : XXXX XXXX XXXX Amount Reported : {$10000.00} Nature of Dispute : These auto loan accounts do not belong to me and are being reported in error. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within 30 days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports. 

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account.

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-07
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. (NY)

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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, 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 the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: First Technology Federal Credit Union (OR)

My account got hacked. Bank denied access, blocked autopay accounts. It has been over a month and is drastically affecting my health and my life. Had checks bounce to IRS and others. I wasnt notified when all this went on. It took a month to find out my account number was changed. Bank had me change user id and password. It worked once.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and BMW Financial Services has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an 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 Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.