davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (FL)

I submitted a request for a block of adverse information that was included in my consumer report that was a direct result of my XXXX  and status of a XXXX  of XXXX XXXX. I also submitted a XXXX of my status as a victim of XXXX XXXX  signed by a notary of the state of XXXX  and XXXX denied to block adverse information. 

Under 15 U.S Code 1681, 605 b : ( XXXX ) XXXX XXXX.The term XXXX  documentation means ( A ) documentation of either ( i ) a determination by a Federal or State government entity that a consumer is a victim of XXXX  ; or ( ii ) a determination by a court of competent jurisdiction that a consumer is a victim of XXXX  ; and ( B ) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of XXXX  in XXXX  or XXXX XXXX  of which such consumer is a victim. 


As per their instructions on their website for information for victims of XXXX XXXX they require a " A XXXX, which is a statement prepared by you ( or your representative ) stating that you were a victim of XXXX XXXX  that is certified by an authorized employee or representative of a governmental agency or non-governmental entity ; be provided '' I provided a notarized attestation of my status as a victim and they denied my request and violated my rights under this law. A notary is considered an " public XXXX of the state of XXXX  '' and has legal authority to validate my self-attestation affidavit that I provided to XXXX. 

I would like to enforce my rights to the full extent of the law as the denial of the blocking of this information is further contributing to my suffering as a victim of XXXX XXXX. I would like financial compensation of {$1000.00} per violation and immediate removal of all adverse information as remedy.
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. (MN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-20
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$570.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Someone opened a checking and savings account with Citizens bank using my email and information including social security information. I called citizens bank and they closed the account and reported it and told me to do the same. This happened on Sunday XX/XX/ 2023
Consumer complaint received 2023-04-03
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)

The credit Bureaus keeps disrespecting the laws. 

I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. XXXX has not. According to 15 USC 1681- I have the right to privacy. 

According to 15 USC 1681s-2 - 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. 

According to 15 USC 1666B - 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. 

( B ) Reporting information after notice and confirmation or errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

The Credit Bureaus have no respect for the laws. Someone needs to hold them accountable for this. I added two attach letters I have sent to XXXX and Equifax over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.
Consumer complaint received 2020-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX Code XXXX and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX  XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed. 

XXXX  XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed. 

XXXX  XXXX late payments did not happen and this account was paid on time. All XXXX bureaus show different payment history and needs to be fixed.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with Experian was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

Experian 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 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the _
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There are several unauthorized inquiries showing on my credit report. Equifax is inaccurately reporting unauthorized inquiries from XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. XXXX is inaccurately reporting an unauthorized inquiry from XXXX on XX/XX/year>. These are all unauthorized, and need to be removed as they are negatively impacting my credit. I have called the Credit Reporting Agencies already, as well as submitted an FTC Report. The FTC Report only allows for XXXX inquiries individually listed, and their website provides the instruction to list any additional unauthorized inquiries in the personal statement section, which I did for XXXX.
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (NC)

I am filing a complaint regarding a debt collection agency, credit management company, which contacted me on XX/XX/XXXX and XX/XX/XXXX. During the call, I requested an itemized validation letter to verify the debt details before discussing any payment options. The representative repeatedly pressured me to discuss payment methods and became increasingly aggressive when I insisted on validation. Despite my lawful right to request validation under the FDCPA, they questioned my willingness to pay and created a hostile environment. 

I have an audio recording of the call, where you can hear my repeated requests for validation and the representatives insistence on payment instead. I am seeking assistance to ensure that this agency complies with federal and state debt collection laws and respects consumer rights. The representative said that its been XXXX  months for me to review the debt but I do not have any validation of the debt. As I continued to ask for the letter, while I was speaking on my rights he asked " how would you like to make the payment ''. This interaction made it seem like I am trying to avoid payment, I am not, I know my rights and I need to see what exactly I am paying. 

The agency claims this is on my credit report which it is not. Which raises strong concerns about the accuracy of the debt and their company. 

I also understand that I have the right to request validation of any debt before it is reported. 

I am attaching the email that was sent to me as a spam warning and the letter I got after many request for validation. 
The letter states the balance, creditor, and original creditors details, but it lacks documentation proving that the debt is valid and belongs to you. Under the FDCPA, you have the right to request a full validation letter, which includes more detailed information such as the original contract or itemized statements. A legitimate debt collector should be able to provide more supporting details if requested.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (IL)

As theyve had trouble doing the Covid error I was behind on my car loan and I called them to set up a payment arrangement that I would not be penalise for and they stated to me that as long as I stayed under the payment arrangement they would report to the Credit bureaus positive results Upon checking my report. The dates they set up for payment arrangement did not go with my due date and I have XXXX late payments even though I was making the scheduled payments online they said it was nothingthat they could do. I have XXXX more car payment this month and the car will be paid off, but theyre still reporting late payments every month which is hurting my Credit.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX  : It appears there was a clerical error in how XXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXX XXXX  confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-10-28
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: SYNCHRONY FINANCIAL (OH)

I have been in contact with them several times the charge happened on XX/XX/year> and they keep telling me itll be taken care of and 3 to 7 days and it is not being taken care of. Ive called at least eight or nine times and they tell me the same thing over and over again and the charge is still on there.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-20
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

In XXXX an order was delivered to the incorrect address. I contacted the third party for a refund or order replacement but received neither. I contacted the card company I used for the transaction- Cash App, for a Chargeback request and was immediately denied without review of my supporting documentation.
Consumer complaint received 2024-09-20
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

this letters complaint to fixed and delete inaccurate and misleading accounts XXXXXXXX XXXX **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$0.00} -tied up XXXX XXXX Balance Owed : {$310.00}
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.