davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX  XXXX {$600.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  XXXX {$63.00}, XXXX XXXX XXXX XXXXXXXX {$4000.00}
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

Dear CFPB Representative, I am writing to follow up on my previous complaint against United Credit Bureau ( UCB ) and to address their response which claims that they have attempted to contact me multiple times without receiving a return call. 

Summary of My Communication Efforts : XXXX. XX/XX/XXXX : I called UCB and they agreed to send a written agreement offering a 30 % discount and to notify credit agencies upon payment. I followed up with an email the same day but did not receive a response. 
XXXX. XX/XX/XXXX : UCB called and offered a 35 % discount but refused to provide a written agreement as previously discussed. I insisted on receiving the agreement in writing before making any payment. 
XXXX. XX/XX/XXXX : I received a letter from UCB with a deadline of XX/XX/XXXX, which had already passed. The letter contained inaccurate information about the provider name and account reference number, and it did not include the written agreement to notify credit agencies. 

Refusal to Answer Calls : UCB claims that they have attempted to contact me multiple times. Given their previous aggressive and bullying tactics, I no longer feel comfortable answering their phone calls. I have explicitly requested written communication to ensure all terms are clearly documented and to avoid further harassment. 

Discrepancies and Misleading Practices : UCB has repeatedly failed to provide the promised written agreement. 
The letter received contained incorrect information and was sent with a deadline that had already expired. 
Despite their claims, I have not received the necessary written documentation to proceed with payment. 

Requested Actions : I respectfully request the CFPB to : 1. Investigate UCBs practices and ensure compliance with all relevant consumer protection laws.

2. Require UCB to provide a written agreement that clearly outlines the terms of any payment arrangement, including the commitment to notify all credit agencies that the debt is paid in full.

3. Address the discrepancies in provider names and account reference numbers to prevent any potential errors in my credit report. 

Thank you for your assistance in this matter. Please let me know if you require any additional information or documentation.
Consumer complaint received 2024-07-25
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. (FL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
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. (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 XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
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. (NC)

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 XXXX debt bondage, which falls under XXXX  according to 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 have given you my identification as well as the informatin requested from the list of acceptable itms 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 ) ( XXXX ).
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as 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 ).
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX  business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a credit card account XXXX with capital one about 2 years ago to fix my credit but has done the opposite. I had a card with them about 7 yrs ago and remember had to dispute because someone else was using my card and making purchases which i think its the case now. 
I havent had activity on this card from over a year now and they keep charging me interest fees for cash advances that i havent made. 
Trying to talk to them is impossible as they never return your calls. I do believe capital one its a scam, specially after having this problem twice w them. They keep reporting to my credit bureau when i havent had any activity for over a year and are just purposely destroying my credit. 
Please help
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Credit Card Acct have violated my privacy. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose. I have called the Business numerous times to request my information not be shared with the credit bureaus
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I have been a victim of identity theft, data breach, and Human Trafficking Debt Bondage ; this collections account is something I have no idea or record of. It is from a company called XXXX XXXX XXXX. I do not owe any debts that are not current or paid, I have no account of who are where this is from. It is in error and needs to be blocked, deleted and removed. XXXX XXXX XXXX : Account # XXXX, balance {$2900.00}. Date opened : XX/XX/year>.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Back in XXXX of 2024 I had sent {$500.00} to a person who was impersonating a seller on XXXX XXXX, the payment was sent via XXXX, I had enough proof to show that it was a scam, provided the information to my bank, Capital One, and my claim was still denied. The information provided was someone that was impersonating this individual, upon research and through a reverse number search this individual lives in Texas. They used a secondary phone number to send an automated text showing the XXXX will be returned ( please see screenshots ).
Consumer complaint received 2024-08-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (MI)

XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX for policy number XXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a premium due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by JP Morgan Chase and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by JP Morgan Chase via its XXXX XXXX XXXX, XXXX I demand under XXXX XXXX XXXX XXXXXXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, XXXX evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why JP Morgan Chase pays for my home insurance - and receive all these money back via its XXXX XXXX XXXXXXXX, XXXX XXXX I demand to disclose the source of authority who authorized JP Morgan to make payments for my home insurance and the source of funds from which JP Morgan makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DIGITAL FEDERAL CREDIT UNION (MA)

DCU Auto Loan DCU continues to make errors and claim my auto loan is past due. This has been happening over and over for the past XXXX years. They even had my loan listed as closed on my credit report. They are so unorganized and can not apply payments properly, not do the statements allow the customer to see exactly how/where payments were applied. They illegally repossessed the car in XXXX when it was current on payments. 

I have submitted multiple complaints to the Attorney XXXX XXXX and each time DCU fixes their errors. When they repossessed the vehicle, they did nothing when we called ourselves. When the AGOs office contacted them about the illegal repo, DCU finally stated that it was an error. They released the car immediately, paid all their repo costs, and credited payments because they knew they were wrong. 

Any time a complaint is resolved, within XXXX months, something happens again. if I reach out myself, I can not get anyone competent enough to assist. They will only make their competent people available to reply to the AGO complaints. When we last settled with the AGO complaint, all parties agreed the account was current. All payments since then have been on time. However, after the most recent complaint was resolved and closed, I continued to see this account is past due on my auto loan. 

There has not been a late payment since this resolution, but when I called they stated there is a small overdue balance. I asked how thats possible, especially where I am paying more than the money payment amount every month. 
. 
Now, in addition to this, the auto pay seemed to randomly stop prior to my XX/XX/XXXX payment, so I recieved letter now the account has a past due amount of XXXX and XXXX.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (AZ)

Date dispute filed - on XXXX XXXX XXXX.

Provided label, tracking info, everything asked of me.

Called XXXX XXXX XXXX, and provided proof of delivery. Case denied XXXX XXXX XXXX despite proof of delivery. Called and reopened XXXX XXXX XXXX, denied again XXXX XXXX XXXX. PayPal made no efforts to alert me on next steps and just kept pushing my resolution date out week after week. Proof of delivery with signature is XXXX XXXX XXXX.
Consumer complaint received 2024-08-09
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (NC)

I Had spoken to XXXX XXXX XXXX XXXX with Salli May and explained I will have a conversation with my husband regarding payment plan options. I have answered calls and have been communicating with her regarding payment options. At XXXXXXXX XXXX I called and spoke to her and requested her to decease from calling third party contacts. At XXXXXXXX XXXX she then called a third party person after I had just communicated with her regarding payments and times I could call and be available to discuss options and opportunities. This has caused great XXXX, pain and suffering towards myself my family and third party members who were greatly concerned and now involving themselves in my personal business. This is an undue stress on my relationship with extended and immediate family members.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

Without contacting me first, Ally Bank 's fraud prevention department suddenly blocked my long-time accounts ( checking and two savings ) on XX/XX/XXXX. Repeated calls to that office were not answered that day after long wait times. 

The next day, XX/XX/XXXX, I was told in the morning, and again in the afternoon, that their computer system was down. I finally spoke to someone about the problem that evening. They were concerned about money transfers I was making to five close personal friends in XXXX : holiday gifts and financial assistance I'd already been sending without question for a year and a half. I was asked to explain my relationships with the recipients, and answered questions that were uncomfortably personal. The representative said he was satisfied that there was no fraud involved ; that he'd forward the information to an investigator ; and that I could expect my account to be unblocked the next day. 

It wasn't. On XX/XX/XXXX I called again, and was asked all the same questions again. I was told again my account would be unblocked as soon as an investigator closed the case. 

I was told the same thing again on XX/XX/XXXX. 

When I called again on Friday, XX/XX/XXXX the representative said my request to be unblocked would be expedited. 

I called again on Monday, XX/XX/XXXX. Again the representative said my request would be expedited. 

When I called again on XX/XX/XXXX, I asked to speak to a supervisor. After 45 minutes the representative said she was unable to reach one. 

I finally spoke to a supervisor named XXXX XXXX no last name provided ) on XX/XX/XXXX, who said she'd speak to the head of the inspectors. Two days later the issue is still not resolved There was no fraud. My account has been mistakenly blocked for eleven days ( so far ), preventing me from paying bills or using an ATM. I have been borrowing cash from friends for daily needs. Yesterday I received a notice that my health insurance payment was rejected by the bank. A credit card payment is due on XX/XX/XXXX, and I expect to incur late fees and penalties. I am unable to help my grandnieces with back-to-school supplies. I am leaving for my third trip to XXXX on Tuesday, XX/XX/XXXX, and I have no money for the trip.