davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

After carefully reviewing my EQUIFAX credit file I noticed a debt from XXXX XXXX open XX/XX/2017 with a balance of {$400.00}. I am not for sure who the company is or where the debt has come from, however debt is a result from my identity theft, as I am and identity theft victim. I have never had an account with that company or any services. I have submitted numerous letters and have reported my identity stolen in regards to this debt and have forwarded over the proper paperwork to EQUIFAX- however this credit bureau continues to leave debt on my credit file unidentified and unverified. EQUIFAX did remove this debt from off of my credit file, however upon recent review they have placed it back on there and they are fully aware this debt does not belong to me and it is a result of identity theft. I am requesting this item be remove once and for all.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (MA)

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX DOB : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Page 1 of 3 Also, see the image above for AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report and noticed an entry that I did not authorize, which I believe to be both inaccurate and unlawful. The details of the disputed entry are as follows : Account Name/Number : XXXX XXXX XXXX . 
Nature of the Discrepancy : Inaccurate balance, unknown account This information is incorrect and has been reported without my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Under this law, credit reporting agencies are required to investigate the dispute and correct any inaccuracies.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK XXXX
Consumer complaint received 2024-07-25
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: Source Receivables Management LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SOURCE RECVB, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SOURCE RECVB to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against XXXX XXXX XXXX XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, XXXX XXXX XXXX XXXX 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : XXXX XXXX XXXX XXXX has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, XXXX XXXX XXXX XXXX has not provided this documentation within the legally required timeframe. 

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to XXXX XXXX XXXX XXXX regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report. 

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : XXXX XXXX XXXX XXXX initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts. 

Harm and Impact : The actions of XXXX XXXX XXXX XXXX have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XX/XX/year> I had an account with Chime I filed for a dispute on my account being stolen and unauthorized charges being made on my account. I did several disputes but I was denied several times then my account was closed and I was told I could no longer do anything about it.
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

We were promised on the phone, that the closing costs would only be XXXX XXXX dollars, and that we would not need any additional money. come time to sign the contract we were hit with XXXX XXXX + dollars to close plus XXXX months of reserves which they knew we did not have that kind of money before we even agreed to let them run our credit. as we were on a fixed income from XXXX of XXXX dollars, we then asked about a XXXX XXXX XXXX and were lied to saying we did not qualify for XXXX, even tho the government website said we did and confirmed with another similar company that we did indeed as he asked if I filled out that form.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC. (CO)

This XXXX XXXX XXXX is saying i owed this bill of {$330.00} for several months now. I tried leaving a certain person a message there several times who originally called me about this debt and they didnt respond back to me on this matter. I tried to get my insurance provider to pay this bill but they apparently did not which was XXXX XXXX. So this recently got sent over to collections for an amount of {$XXXX} which is more than the original bill. 
The collections company is Budget control services , inc . 
XXXX, CO. XXXX
Consumer complaint received 2024-09-27
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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX number XXXX XXXX ( CLOS ED ACCOUNT ) payments late year XXXX. 

In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX  data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

So my mobile phone number XXXX has been hacked and can not be found with XXXX XXXX ( as of XX/XX/year> ) Now, the only way to access my billing information and extensive features account access is only with a mobile phone number. 

I have no way of accessing my online XXXX XXXX on my device and zero options to otherwise manage my account online at all. 

( they want my parents names, financial transaction history verified on the phone number every time ) I thought this was what a password is for? 
How come it takes a month to update my account in any way?
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (MI)

Today XX/XX/XXXX I was in a accident and my car is undrivable I was told when I purchased my car a XXXX XXXX XXXX that the dealership was setting up full coverage so I didn't need to seek it myself the conversation happened XX/XX/XXXX. When I got on their website Vroom had closed down their used car end, to which I never recieved notice, their customer service number found online online lead to a dead line and the roadside assistance/gap claim lines both informed me that I had GAP and a warranty ( which I never asked for or understand how I got ) and any attempts to ask them to transfer me to the dealership side or a side dealing with the dealerships information they just sen me back to the same number I originally called them at which asked if I wanted keys, roadside or gap representative. I do not have full coverage through any other company as I was told I had it through my Loan, I spoke with XXXXXXXX XXXX who said besides the GAP insurance they couldn't see anything and recommended I speak with Vroom so I am currently left with a massive bill/loan and no coverages to help me
Consumer complaint received 2024-07-25
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. (GA)

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (FL)

This is not my debt. It belonged to my ex-partner XXXX XXXX. The debt is from XXXX It has been paid by XXXX. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me and 2 a debt that was closed in XXXX  which is not even collectible. The company has placed the debt that doesn't belong to me on my credit report. I have called and replied to them to remove the collection as it is from XXXX  and belongs to XXXX XXXX and not XXXX XXXX. They have people outside of the US calling me threatening me and threatening to take me to court. 

Account # : XXXX Current Creditor : STEEL RIVER SYSTEMS , LLC Original Creditor : XXXX XXXX XXXX Current Balance : {$750.00} Dear XXXX XXXX This notice is from STEEL RIVER SYSTEMS , LLC. Your debt was previously owned by XXXX XXXX XXXX ( XXXX ), it was sold and is now owned by Steel River Systems , LLC. 



Company Information : Steel River Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX From XXXXXXXX XXXX Monday to Friday https : //www.steelriversystems.com You may email us with your option selection. Send email to XXXX To take advantage of this offer, you must confirm acceptance of an offer within 15 days of the date of this letter. Steel River Systems , LLC is not obligated to renew these offers. 
Make your check payable to Steel River Systems , LLC. Include the reference number XXXX Payments, Correspondence, or Complaints may be sent to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX or XXXX You may call us to discuss which option is best for you.
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (GA)

I kindly requested IC System stop communication and to Cease and Desist of continuing of doing do, harassing, using profane language, false misrepresentation of XXXX XXXX XXXX and use of threatful and deceitful allegations that I owe them any money. IC System has done nothing but harm and damage and distress me and my reputation by reporting illegal accounts without my written consent, way worse creating such since I have never and theres no proof that I have ever inquired their company services for any reason. IC System its violating my federally protected rights and my request to stop doing so, effective immediately. If this account continues reporting on any of my consumer reports without my consent and proof of receipt or contract that you own or illegally bought this alleged account, Ill have no option but pursuing this matter in the legal field and seek for monetary relief for every month that this company has willfull noncompliance with the law by illegally furnished an account that doesnt exist, for identity theft, for sharing private information with third party companies, harassed with unauthorized illegal communication, harm and damage my reputation per 15 U.S. Code 1681n.