davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Easier Funding, LLC (TX)

Subject : Complaint Against 60 Day Credit Repair and Denefits, the collection Agency they use for Harassment and Unlawful Contact Practices Dear Sir/Madam, I am writing to formally lodge a complaint against 60 Day Credit Repair regarding their persistent and harassing communication practices. Despite my explicit instructions to cease contacting me outside of regular business hours, I continue to receive phone calls and emails at odd hours, causing significant distress and inconvenience. 
Details of the Complaint : Company Name : 60 Day Credit Repair Nature of Services : Credit Repair Outstanding Balance : {$1600.00} Issue : Harassment through phone calls and emails at odd hours Agents Statement : An agent from the company explicitly stated that I would continue to receive emails and calls until the outstanding balance is paid in full. 
Specific Incident : On [ specific date ], I was contacted at XXXX XXXX, which is a violation of my rights as a consumer, even after I had informed them of my preferred contact times.

Agency Used : The agency they used for these communications is called XXXX. 
I have repeatedly informed 60 Day Credit Repair to stop contacting me outside of regular business hours, yet they have ignored my requests. The agents statement that I will constantly receive emails and calls until I pay the balance is both unprofessional and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to investigate this matter and take appropriate action against 60 Day Credit Repair for their unlawful and harassing practices. I also seek guidance on how to protect myself from further harassment and ensure that my rights are upheld. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (FL)

see attached for full complaint. 

Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ).

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, 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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested a credit line increase on my business credit card account ending in XXXX with Capital One on XX/XX/2023. I received a denial letter on XX/XX/2023. The only reason given in the denial letter was : A credit increase on your account is not currently available upon request. 

This reason Capital One provided in not a reason. All that it tells me is that capital one denied my increase but it does not tell me why. A reason is something that explains why. I called Capital One 3 times on XX/XX/2023 to get the reason and I was told by 3 different representative, 2 of them being senior supervisors, that they had no access to the denial letter and could not read it. I told each representative the reason Capital One gave me and they all agreed that I was not provided an actual reason for denial. Although the Capital One representatives agreed that i was not given a reason, each representative said there was nothing they could do about it. I explained thoroughly to each representative that it is required by law to provide a reason for denial and although they agreed that that is true, the only thing the Capital One representatives said I could do about this is handwrite a letter to Capital One 's feedback department. 

I have been banking with Capital One for about one year. I have never missed a payment. My credit score is good. I pay the credit card balance in full every month. I have good credit history. I only have 2 credit cards. Considering how much i spend on this Credit Card, it is clear that I need a higher limit. Also my income has increased significantly over the past year. All of this information was provided to Capital One and they still denied my request for credit increase. I see no reason why Capital One would deny the increase and I was not provided with a reason for why they denied it.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (LA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$13000.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-10-31
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)

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 XXXXXXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX 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 generally, 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

aCCOUTN IN QUESTION : XXXX XXXX, XXXX and Equifax Are reporting in correct information regarding a balance on my XXXX XXXX XXXX For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX  NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc. (FL)

I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back. 

XXXX has allowed collection and inquiries to be place on my credit report violating the fair credit act. 

I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me! 
im also requesting removal of all hard inquiries not authorized by me! 

I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information. 

I am filing a complait to XXXX and each of these Collection Companies in question 1 ) XXXX-XXXX  Account XXXX Showing a balance of {$670.00} 2 ) XXXX  Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX  Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX Account XXXX Showing a balance of {$1400.00} 5 ) XXXX  Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX  3 XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/year>. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from my credit report.
Consumer complaint received 2024-10-14
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-14
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Collins Asset Group, LLC (NY)

Dear CFPB I am writing to file a formal complaint regarding the unfair debt collection practices employed by XXXX XXXX XXXX as well as their initiation of legal action against me. I believe that their tactics in attempting to collect a debt from me are not only unacceptable but also deeply concerning. 

First and foremost, I want to highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which required significant time, resources, and legal representation to fight. Thankfully, I was able to successfully contest these charges and clear my name in XXXX. However, this ordeal has left me financially and emotionally drained, making it even more distressing to be targeted by aggressive debt collection tactics and now facing legal action. 

Moreover, I must express my utter disbelief regarding the debt in question. To the best of my knowledge, I have no recollection of ever incurring such a debt, nor have I received any prior communication or documentation regarding it. Therefore, I am deeply troubled by the sudden and relentless pursuit of payment by XXXX XXXX XXXX, especially considering the lack of evidence or verification provided. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is pursuing legal action against me in connection with this alleged debt. This legal action only adds to the undue stress and hardship I am already facing, particularly given the circumstances surrounding the XXXX  XXXX XXXX I had to overcome. 

Additionally, I find it pertinent to mention that the debt in question has been sold to XXXX  XXXX  XXXXs by XXXX XXXX XXXX, which, to my understanding, consists of two wealthy individuals who may be gaming the system for their financial gain. This raises serious concerns about the integrity of the debt collection process and the motivations behind these actions. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against XXXX and XXXX XXXX as well as XXXX XXXX XXXX, for their egregious behavior. I trust that your agency will uphold its commitment to protecting consumers from unfair and abusive debt collection practices and ensure that justice is served. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (TX)

" 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. 
"