davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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 formally dispute the practices of the following companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding the inaccurate reporting of my credit information, which I believe to be in violation of both Law 605 ( b ) and the Fair Credit Reporting Act ( USC 1681 ).

According to Law 605 ( b ), a consumer reporting agency must ensure maximum possible accuracy in the information it reports. However, the information reported by the credit bureaus is not only inaccurate but also misleading, causing significant harm to my credit standing and financial well-being. Despite my repeated attempts to rectify this issue directly with the bureaus, they have failed to respond adequately, which is unacceptable.

Furthermore, USC 1681 outlines the responsibilities of credit reporting agencies to conduct reasonable investigations into disputes. It is clear that the bureaus have not adhered to these requirements, as they have neglected to provide evidence to support the claims, nor have they updated or corrected the erroneous information in a timely manner. 

I would like the CFPB to investigate this matter thoroughly and hold the bureaus accountable for blatant disregard of consumer rights and failure to comply with federal regulations and doing a proper investigation. I am prepared to escalate this issue further, including potential legal action, if this matter is not resolved promptly. 


I would like a prompt acknowledgment of this letter and a detailed explanation of the actions the CFPB will take regarding this issue. Please consider this matter urgent, as continued inaccuracies in my credit report will only exacerbate the situation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: CCF Intermediate Holdings LLC (GA)

I pawned my title in XXXX of XXXX and at the time the title was on my mothers name. I was told by XXXX XXXX employee who processed the loan ) that they could complete the loan and I could switch everything over at the tag office. I was told that the fees along with the {$18.00} title fee would be reimbursed and that I would receive a {$50.00} gift card. I completed the transfer at the tag office and paid {$550.00}. I returned back to title max the next day to complete the process and my title pawn was completed. However, I was then told that I would not be reimbursed for the fees to transfer the title and that I would only be receiving the {$18.00}. I opted to receive my money on a prepaid debit card and was told after being there for over an over that due to technical difficulties that I had to have it deposited into my checking account. I agreed and noticed that it didnt include the {$18.00}. Also, as we were finalizing everything I mentioned the gift card that was promised and XXXX mentioned this to the manager that was present, named Rashad. He reluctantly went into the file cabinet to get the gift card and said that he would be giving me the gift card to cover the {$18.00}. I let him know that they owed me the {$18.00} and that I was promised the gift card for completing my title pawn. When I wouldnt agree he place me the card back in the file cabinet and I let him know I would contact corporate. A few days later, I in fact contacted corporate and the regional manager contacted me and apologized and said I would be receiving a check in the mail. After a few weeks I contacted that same manager and inquired about the check and informed him that I lived less than 5 miles from the store, so I shouldve received the check a while back. He ignored me and left me on read. To date I have never been reimbursed and have filed a compliant with the attorney general and have also filed a civil suit. After filing a complaint, title max has only decided to respond with an extended summation of events, which none address the Initial Complaint. Now as of XX/XX/XXXX they are illegally locking my account in retaliation to prevent me from paying off the loan so that they can continue to collect fees and interact illegally with hopes of stealing my vehicle.
Consumer complaint received 2024-10-22
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. (IN)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 an 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 information is inaccurate.
Consumer complaint received 2024-10-01
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Conserve, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the Assignment Contracts as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
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: WELLS FARGO & COMPANY (NC)

Years ago I signed up for a subscription service or product from XXXX using an account I no longer have access to. I have contacted the merchant many times through various different means to try and cancel the monthly subscription fee of XXXX that comes out every month from my Wells Fargo credit card. XXXX responded recommending that I have my bank stop or cancel the subscription. Other banks that I use do this without any issue. Wells Fargo refuses to do this and instead makes me go through a tedious ongoing process of filing a new dispute every month. Then I have to wait for the standard 45 days while they try to get a response from XXXX only to then get refunded for that month alone by Wells Fargo. I then have to file a new dispute for the same transaction that comes out again the following month. Wells Fargo tells me that there is no end in sight and that I will have to do this every month forevermore. The only other option for me is to cancel my line of credit with the bank, which is tempting at this point. However, I think the bank has a responsibility to safeguard the consumer 's financial interest and in this situation to stop the transaction from coming out every month. I have supplied them with all of the documentation they need to see that I have contacted the merchant in good faith and gotten no where.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My credit reports are showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-01
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. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information
Consumer complaint received 2019-12-19
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. (CA)

I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax is reporting 2 DIFFERENT dates of last payment. This is a report error and this is INACCURATE reporting! 
Date of Last payment show XX/XX/2024 and XX/XX/2024. Equifax can not report different dates. 

XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Requested a report on Tuesday XX/XX/year>. I was informed to email my request by the email form they provided online, that I would receive my report in the mail. I did. I received a letter in the mail stating I needed to contact the Credit bureau. I never received my report. Its been more than 2weeks, as specified.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2022-10-27
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute several discrepancies found in my credit reports from Equifax regarding account number XXXX. The inaccuracies present in my credit report significantly affect my creditworthiness and financial stability. 

**Discrepancies Identified : ** 1. **Duplicate Reporting** : The account appears to be reported multiple times across different bureaus, which could mislead potential creditors about my credit history.

2. **Inconsistent Reporting Dates** : - The " Last Reported '' date ( XX/XX/2024 ) and " Date Last Active '' ( XX/XX/2024 ) show conflicting information, leading to confusion. 

3. **Confusing Payment History** : - The payment history appears cluttered and unclear, with repetitive entries that fail to present a straightforward overview of my payment behavior.

4. **Incorrect High Credit and Credit Limit** : - There are inconsistencies in the reported " High Credit '' and " Credit Limit, '' which can misrepresent my credit utilization.

5. **Missing Information** : - The report lacks clarity regarding past due amounts and payment status, which are essential for understanding the account 's status. 

These discrepancies not only misrepresent my credit history but also undermine my ability to secure necessary credit. I have made several attempts to resolve these issues directly with the credit bureaus, yet I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these inaccuracies and provide me with a written response detailing the findings. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a CareCredit card. They charge me 32.99 % interest and also charging me {$1.00} a month because I don't have a computer at home for auto pay and they refuse to send me a return envelope with my statements. I pay by check always have. Have been for years. 
I am almost XXXX XXXX XXXX and don't have the ability for auto pay, I have asked them to please send me a return envelope with my statement, but they refuse. they said I'm going to be charged because I pay by check. This isn't right. 32.99 % interest is bad enough.