davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-27
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: BARCLAYS BANK DELAWARE (OH)

In early XXXX I contacted my credit card company, Barclays, to dispute a charge with XXXX XXXX regarding a downpayment for a barn that was cancelled and XXXX wasn't refunding my deposit for. On XX/XX/XXXX Barclays sent a letter stating that it was past the timeframe to assist. I later contacted XXXX and they provided documentation that Barclays contacted them on XX/XX/XXXX and the charge was reversed through the third party billing company XXXX. I have faxed documentation to Barclays showing the transaction number for the charge reversal and they continue to refuse to credit my account. Every time I call, all they will say is that the claim was denied on XX/XX/XXXX. I have a fax confirmation that they have received the documentation on the charge reversal on XX/XX/XXXX.
Consumer complaint received 2024-05-07
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. (HI)

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 information is inaccurate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE XXXX  ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE.

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION.

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( EQUIFAX, XXXX, AND XXXX ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-05-07
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XX/XX/year> a loan from the company was initiated. However, I did not give this company information nor request any loan from them. I received several notifications from my bank credit karma, XXXX XXXX and Equifax. I reached out to Equifax and XXXX XXXX and they both requested that I contact consumer finance production bureau and or the FTC for fraud. I tried contacting the company with the information that was listed on the credit report however, the number says that it is not a working number or is inoperable. Overall, it should be removed immediately.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain inquiry in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged 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
Consumer complaint received 2024-05-07
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. (SC)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-07
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)

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified this instances of late payments that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. This detail require your attention : XXXX XXXXXXXX I strongly believe there is an error in the reporting of this late payment, as I have consistently made timely payments for the mentioned account. I also called the banks and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. If necessary, I am prepared to provide any supporting documentation to validate my payment history.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (MI)

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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to the FCRA my federally protected rights have been violated XXXXXXXX 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

My Name is XXXX, I live at XXXX XXXX XXXX XXXX, LA XXXX PH # XXXX I have had some health problems that cause me to lose my job and and a result my house payments got far behind. I have been trying to get a load nodification. Rushmore Management is PURPOSELY giving me a hard time requesting documents I already sent and asking for bank account information I don't have and never had. I once did gig work with XXXXXXXX XXXX XXXX XXXX and XXXX.I never had a business account. my pay was loaded to their pay card. I sent statments to show that. I am now working full time 40 hours per week and can afford to make my house payments but Rushmore is PURPOSELY wasting time with asking for information that is nonexistent or what I already sent so they can forclose on my property. I am asking for help. I want to keep my home. I understand the payments must be made monthly and on time. I can now pay but my lender is operating in a un business like manner. my loan acct # XXXX. I also called today to check the status of my modification and spoke with loss draft department their ID # XXXX, to only learn my mortgage company is still playing games. The under writer who is assign to my account is very difficult to work with. Thank you.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CHALLENGE FINANCIAL SERVICES (CA)

I took out a loan with Challenge financial to buy a used vehicle. Challenge Financial picked up my car from a tow company XX/XX/XXXXXXXX  after it was towed XX/XX/XXXXXXXX  because it was in a red zone. I did not call them to pick up my car they simply voluntarily decided to do that. I went to go pick it up from the Tow Company and the Tow Company informed me that the legal owner had picked it up which was challenge financial. I asked them if I could get my car from them they want to charge me an additional {$600.00} to get it that I would not have had to pay. Had they allowed me to pick it up from the tow yard. The cars payments were not behind at the time that they picked it up on XXXX XXXX. I would like them to waive that {$600.00} fee for picking up the vehicle because they had no right to pick it up, and I did not request them to pick it up.
Consumer complaint received 2023-08-29
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter to ask the further information to support the dispute ; however, there is no indication of claim number. Therefore, I can not send any information regarding the claim unknown. The information is supposed to be sent to XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Sincerely,
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have always ensured that payments on this account are made on time and are never overdue. However, I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Regarding XXXX XXXX XXXX - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ XXXX XXXX XXXX ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : XXXX XXXX XXXX Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ XXXX XXXX XXXX ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ XXXX XXXX XXXX ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ XXXX XXXX XXXX ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ XXXX XXXX XXXX ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges.

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company.

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ XXXX XXXX XXXX ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA. 

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint. 

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter. 

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (FL)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Consumer complaint received 2024-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and others i dont authorize
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2024-05-07
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. (IL)

Subject : Response to Complaint XXXX ; Submitted XX/XX/2024 ; Responded XX/XX/2024 Dear Equifax Information Services LLC , Thank you for your response regarding my complaint filed through the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
Upon reviewing your response, I appreciate the completion of your investigation into the inquiries on my credit file. However, I must respectfully assert that the resolution provided does not adequately address the crux of my dispute. 
As per the Fair Credit Reporting Act ( FCRA ), it is incumbent upon Equifax Information Services LLC to validate the inquiries in question through a comprehensive investigation. This includes substantiating proof of authorization for each credit inquiry listed on my report. My complaint explicitly contests the validity of these inquiries, asserting that I did not authorize the companies stated on the report to access my credit file. 
While I acknowledge the importance of inquiries as factual records, it is imperative to emphasize that the FCRA mandates a stringent process for their retention and validation. Should Equifax fail to produce the requested evidence substantiating my authorization for these inquiries, they must be deemed invalid and promptly removed from my credit file. 
Furthermore, your response does not provide satisfactory clarity on how Equifax intends to address inquiries that are found to be unauthorized. Merely advising me to contact the companies directly does not absolve Equifax of its responsibility to ensure the accuracy and integrity of the information contained in my credit report.