davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX Account # ending # XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
Equifax and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). Equifax and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Consumer complaint received 2024-08-07
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. (UT)

name : XXXX XXXX XXXX SSN last XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX account number XXXX {$740.00} another account XXXX  opened on XX/XX/XXXX account # XXXX {$250.00}. XXXX XXXX opened on XX/XX/XXXX account number XXXX $ XXXX account XXXX XXXX opened on XX/XX/XXXX {$1000.00}. An account XXXX XXXX XXXX opened on XX/XX/XXXX acount number is XXXX {$1200.00}. A loan auto loan from XXXX XXXX opened on XX/XX/XXXX account number XXXX {$9500.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL 45 hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud,
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/year>, I made a payment of {$2500.00} to XXXX XXXX through PayPal for the completion of a XXXX website featuring dynamic animations and XXXX XXXX, which was agreed to be delivered within XXXX weeks. Despite multiple discussions and agreements, the seller only provided a single, unsatisfactory page design on XX/XX/year>. The design lacked the promised features and was significantly delayed. 

I contacted XXXX customer service on XX/XX/year>, prior to making the payment, to ensure I would be covered for a refund if the service was unsatisfactory. I was assured by a PayPal representative that I would be eligible for a refund in such a scenario. Despite providing all necessary documentation and evidence, my dispute with PayPal ( XXXX ID : XXXX ) was denied. 

I attempted to resolve the issue directly with XXXX XXXX through XXXX and XXXX, but the communications were deleted by the seller. I have submitted all available evidence, including email communications, the initial design submission, and the conversation with the PayPal representative, to support my claim. 

Actions taken by me : Contacted PayPal customer service on XX/XX/year>, for reassurance about refund eligibility. 
Paid {$2500.00} to XXXX XXXX on XX/XX/year>. 
Received an unsatisfactory single-page design on XX/XX/year>. 
Filed a dispute with PayPal ( XXXX ID : XXXX ). 
Provided all necessary documentation and evidence to PayPal. 
Attempted to resolve the issue directly with the seller via XXXX and XXXX. 
Actions taken by the company : Assured me of a refund eligibility by PayPal representative on XX/XX/year>. 
Received payment of {$2500.00} on XX/XX/year>. 
Delivered a single, unsatisfactory page design on XX/XX/year>. 
Denied my dispute and refund request. 
Despite following all necessary steps and providing substantial evidence, PayPal denied my dispute, leaving me without the promised service or a refund. I seek the CFPB 's assistance in resolving this issue and obtaining a refund for the undelivered service.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account THE GOLDEN 1 CREDIT UN ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$100.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with THE GOLDEN 1 CREDIT UN. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX BANK XXXX XXXX XXXX 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 in XXXX days to be removed. 


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

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

XXXX XXXX BANK XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according tXXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX bal. {$17000.00}, XXXX bal. {$240.00}
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/year>, I had issues with my XXXX  XXXX XXXX credit card. After receiving three phone calls from a XXXX number I thought it was XXXX  XXXX  XXXX calling me so I picked up. I spoke to someone who said they were a XXXX  XXXX XXXX representative who was calling regarding the issues I had with my credit card. I was fully convinced they were XXXX  XXXX XXXX. They told me they were going to send me an authorization code to confirm that I was the person they needed to speak to. Upon reading the authorization code back to them I got an alert that there was suspicious activity on my XXXX  XXXX XXXX Business Checking Account. After telling them about the suspicious activity, they told me they were going to send me another authorization code and to read it back to them once it got to me. I read it back to them and they hung upon. After checking my Bank Account I realized that they were scammers and they scammed me out of a total of {$14000.00} that was sent to them through Zelle. Upon looking at the messages closely, I noticed then that they were sending me Zelle authorization codes. I didn't realize that the codes were to authorize a payment. I thought since Zelle was used by XXXX XXXX XXXX, it was just a code from Zelle. 
After this happened I went to XXXX  XXXX XXXX to complain and they told me they could only file a claim on my behalf. I just received a notice saying that there is nothing they could do. I was a victim of a scam and wish to rectify this situation.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-06-22
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-19
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. (TX)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
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)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. XXXX  XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXXXXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

I called Quicken Loans to request a payoff amount on my loan. I was told there would be a {$35.00} fee. I explained that I have been a customer for 5+ years and had refinanced this loan through Quicken, would they be able to waive the {$35.00} fee? They said no. I have been diligent and saved enough money to pay off this loan to be debt free and have Quicken Loans out of my life forever and they hit me with yet another way to collect more money from me. I realize they are in business to make money but how about congratulations on paying off your loan. No. {$35.00} please. Ridiculous. Oh well, I'm on my way to achieving millionaire status and not having a mortgage payment.
Consumer complaint received 2024-06-19
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-19
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-19
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NJ)

These hard inquiries are fraudulent and doesn ' belong to me and need to be removed. Also the next as well. thanks XXXX bank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX