davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

Subject : Formal Consumer Dispute Letter to the CFPD Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency in question has placed a collection on my consumer report without providing the necessary validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). This omission has caused significant distress and has a direct impact on my creditworthiness.

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process violates my rights as a consumer and undermines the fairness and accuracy of the information on my credit report.

Violation of Consumer Rights through Deceptive Means : The collection agency is engaging in practices that violate my consumer rights by employing false, misleading, and deceptive means. Such actions undermine the integrity of the credit reporting system and create an unfair advantage for the collection agency at the expense of my financial well-being.

Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has furnished my account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further underscores the agency 's disregard for legal obligations and my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes appropriate action to rectify the situation. I believe that by addressing these issues, we can uphold the principles of fairness and consumer protection that are integral to a just financial system. 

Thank you for your prompt attention to this matter. I am confident that your intervention will contribute to the resolution of these issues and the restoration of my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I refinance my home with PHH mortgage and it impossible to reach them either by phone or online. They never answer their phone I stay waiting up to one hour and a half. The menu in the phone is not true, they never transfer you to a live person. 
I been trying to register to see my statements and the system don't let you. I wrote to them about not receiving my statement an they never answer. 
They force you to pass the due date and the only way to pay is to this application they have called doxo or used a pay system I been paying XXXX dollars since. And now in my new bill I own them XXXX dollars for late payment, its a mess. 
PHH Mortgage Corp. has agreed to pay {$45.00} XXXX to resolve claims that it improperly serviced thousands of single-family residential mortgages. You can see in the internet all kind of complaints like this one : The PHH Mortgage lawsuit was brought by the attorneys general of 49 states and the District of Columbia over allegations that the New Jersey-based mortgage servicer violated the federal Consumer Financial Protection Act and the consumer protection laws of several states.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ). 

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (AL)

On Friday the XXXX of XXXX, I made back to back transactions of {$110.00}. These transactions were made between Dave banking and XXXX XXXX. The transactions are narrated as follows ; Fri XXXX {$110.00} was deposited to Dave from XXXX Fri XXXX. {$15.00} deposited from Dave to XXXX Fri XXXX. XXXX deposited from Dave to XXXX Fri XXXX. {$110.00} deposited from XXXX  to Dave Unfortunately I never got the deposit of the last transaction of {$110.00} into my Dave account, whilst on the other hand my XXXX transactions show money being taken out by Dave inc. I have tried contacting both parties to no avail. Hence Dave claims it never received the money whilst XXXX is claiming that the transfer of the transaction was complete. Im left confused and fustrated, please help.
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. (CA)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections XXXX and XXXX I am writing for the XXXX time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section XXXX, I am requesting a re-investigation of the aforementioned entries. Section XXXX requires furnishers of information, like XXXX XXXX XXXX XXXX to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : Uplift, has violated my rights. 

I looked at my Experian 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 2024-06-14
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. (IL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting that I have a credit card from them I have never had a XXXX XXXX credit card after asking for the purchases on this credit card they told me it was to pay a cable or internet bill at a house I was renting out to another family while out of the country on a XXXX trip this is not my account
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX 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 2024-06-22
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. (TX)

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.

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 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.

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 informationisinaccurate.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB (TN)

I have a Klarna XXXX XXXX  XXXX account. I have XXXX in purchasing power but they keep declining me when they send me Adverse Action letters there blank.I have contacted Klarna 4x and they all just say the document is not blank and they have no information to provide. When I asked Klarna for a higher contact or an address I was told no.
Consumer complaint received 2024-07-08
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 on those accounts 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 21 days before the payment due date. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 21 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
Consumer complaint received 2024-07-08
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. (WI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

fraudulent accounts XXXX AND XXXX XXXX XXXXXXXX XXXX NEEDS TO BE REMOVED FROM MY REPORT THESE ACCOUNTS ARE FRAUD AND WERE OPENED WITHOUT MY CONSENT AND OVER 32 HARD INQUIRES
Consumer complaint received 2024-07-08
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. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 21 days before the payment due date. 


XXXX XXXX XXXXXXXX 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 21 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
Consumer complaint received 2024-07-08
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 2022-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX