davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (MO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX {$1000.00} XX/XX/year> I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (MO)

This loan company has been harassing me and my emergency contacts. Even whilst making my payments. Ive asked them not to call me multiple times and even set up payment plans but they continued to harass me and i have them on videos saying they will continue to harass me
Consumer complaint received 2024-01-31
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern I XXXX XXXX was finish with payments with XXXX XXXX and the account was closed but the information on my credit report is not closed and have late payments attached I need the account removed because the inaccuracy is directly affecting me. 

Date opened XX/XX/year> closed XX/XX/year>XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Auto Credit of Virginia Inc. (TX)

I am a victim of Fraud and Identity theft and wanted to view my credit report recently to find that a company by the name of Auto Credit of Virginia has pulled my credit report, lied to XXXX, and has lied to the XXXXXXXX XXXX XXXX about me having a credit balance with them. I did not apply for credit with Auto Credit of Virginia in the years of XXXX and XXXX. Somehow Auto Credit of Virginia managed to pull my credit report without my consent this year, XX/XX/XXXX and stated that I applied for credit for something with them, but I did not contact Auto Credit of Virginia for anything at all. I disputed the inquiry on my XXXX report on approximately XX/XX/XXXX and I disputed the fact that Auto Credit of Virginia isn't getting permissions from me to place any activities on my credit report without my knowledge. I want Auto Credit of Virginia to be removed from my XXXX credit report ASAP. The company continuously performs activities of fraud and this has to stop.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX, I submitted a XXXX XXXX XXXX and it was denied approximately a month later. When I called XXXX I was advised they could not provide answers over the phone even though a specialized team was handling these requests. I waited for an answer via letter and when I received it gave no further advice as to why this was denied. I called again after the letter was received around XXXX and was advised their was no additional info that could be provided. Much of the information they were seeking such as emails would be hard for me to produce since I attended the school so long ago between XXXX on and off in person and online. I was seeking for these loans to be forgiven as the Federal loans were even though I know they follow different rules. The predatory relationship with The XXXX XXXX to make you complete paperwork quickly and enter into loans without fully understanding what you were agreeing to as well as the predatory way Navient/Sallie Mae handled loans was incorrect.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (IL)

Monterrey Financial, through its representative, XXXX XXXX, reported negative information to credit bureaus. This information was reported despite the fact that on XX/XX/24 she told me her investigation of my dispute was not complete and that she would notify me when it was complete. On XX/XX/24 I was notified that she had reported me to the credit bureau as owing the debt without any indication that there was an incomplete investigation on her part. On XX/XX/24, I received an additional report of a bad credit history being reported. This preemptive action when the investigation is not even complete and I have been told was still pending is violative of the Fair Credit Act in multiple ways. It is an obvious attempt to coerce payment of a debt that is not due.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (NV)

What good are you people if you don't solve these problems? There are several complaints about the same problem on your site. XXXX was for {$96000.00} and another for {$87000.00}!!! 
Mercury XXXX closed my account and will not refund the funds in my account. The total amount withheld by Mercury from my account is {$900.00}. Email on that account was XXXX. Requested refund. 
Email from them on XX/XX/XXXX : " Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. '' No other explanation. Sent several emails after that, no refund. 
Please let me know when they will be SHUT DOWN!!!
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

On XX/XX/year> I purchased a lawn mower from Home Depot with my HD store  card for XXXX Within XXXX hours, I logged into my account online to pay my bill and saw a charge I didn't recognize for XXXX. Home Depot online statement does not provide a description of items purchased so I called them. They said it was for plumbing fixtures and accessories ( which I did not purchase ) so I told them it was a fraudulent charge. They said they would put it in dispute, cancel my card, and issue me a new card. I went ahead and paid for the lawn mower. 
Right after that call, I ran some errands for a few XXXX and when I got home I got a text message from Home Depot asking if I had just made a purchase for XXXX so I called them again. I was told that the new purchase had been made on the new card ( which had not even been issued to me yet. Again they said they'd put it in dispute and issue me a XXXX card. I told them not to bother- to just cancel the card. 
Today ( XX/XX/XXXX ) I received an email notifying me that the issue had been resolved and that there's no evidence of fraud and that I owe them XXXX 
This is crazy. What can I do?
Consumer complaint received 2024-07-06
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)

1. On XX/XX/XXXX I sent XXXX a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. NELNET continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99. 

3. By XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like XXXX. 

4. Please refer to the letter attached for more laws and violations.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (AL)

Dear CFPB, I am writing to file a follow-up complaint against American Express regarding persistent issues with my account, following my previous complaint ( CFPB XXXX No : XXXX ). Despite American Express 's assurance that they had successfully delinked the incorrect card from my account ( response letter attached ), I continue to experience problems that suggest my account is still linked to another individual 's account. The key details are as follows : XXXX. On XX/XX/year>, I discovered that a new address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) was reported to XXXX. This address does not belong to me and I have never lived there. 

XXXX. Upon contacting XXXX, I was informed that this address was reported by American Express. I immediately contacted American Express customer service, who, after investigation, admitted that this wrong address was somehow automatically updated by their system.

3. I requested American Express to fix this issue by changing my address back and removing the incorrect address from my XXXX credit report. I was led to believe this was done. 

XXXX. However, on XX/XX/year>, I received another alert from XXXX stating that my address had again been changed to the same incorrect address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ). 

XXXX. I had to contact American Express customer service again, explaining the situation once more. 

XXXX. As of today, XX/XX/year>, upon checking my XXXX credit report, I found that this incorrect address still has not been removed. 

These persistent issues indicate that despite American Express 's assurances, my account is still not properly delinked from someone else 's account. This situation has caused me significant stress and wasted considerable time, as I've had to repeatedly deal with these issues.

I have made numerous attempts to resolve this internally with American Express, but the issues continue to recur. This ongoing situation has put my financial standing at risk through no fault of my own and has caused significant inconvenience and stress.

I hope the CFPB can intervene to ensure American Express takes decisive action to permanently resolve these issues and provide appropriate compensation for the troubles I've endured.

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (CA)

After again reviewing my consumer report I noticed the U.S Bankruptcy is still reporting on my consumer account after I requested a reinvestigation. XXXX stated that they validated the account. Per the FCRA 623 ( a ) ( 5 ) if the credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The ORIGIANL CREDITOR IN THIS CASE is the U.S Bankruptcy Court. The Bankruptcy court Sent me a letter stating they do NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. 

So please provide me the name of the person you spoke to at the U.S bankruptcy court, or provide me with any documents that was provided to you to validate this account. 

Public records information is NEVER validated by the Recorder of Deeds nor the U.S Court system due to the Fair Credit Reporting Agency Privacy Law. 

XXXX is breaking the law and are Committing Fraud as you have Never Validated or verified the public record. 

15 usc 1681a ( e ) An investigative consumer report is when any portion of which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Can you please provide me with the names, address, phone numbers of each neighbor, friend, associate that you interviewed as you conducted your investigation into this matter. 


Furthermore the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX are revoked. 

USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. ''
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (TX)

I paid my phone ( device ) completely then stop paying the monthly line for money issues and resulted in disconnection. Then XXXX XXXX gave my debt to a debt collector agency called Credit Control LLC and they dont have any evidence that I owe them anything. Also XXXX XXXX has been furnishing a late deliquency to all 3 of my credit reports without my consent. Under the law 15usc code 1681 in order for them to furnish anything they need my consent first which they didnt have. This unlawful act has damage my credit report for a year and a half now. they also didnt mention a finance charge that includes any document fees and loan fees when i took the phone in payment. Under the law 15 usc code 1605 the finance charge includes document fees and loan fees which they made ME pay when its already included. credit control llc has been sending emails considering there imaginary debt that i supposedly owe them, i asked to verify the debt and they cant.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I want to freeze my credit. I tried to open accounts with the XXXX credit bureaus and all three of them claim I failed security checks, which is implausible considering I'm creating an accoutn fo rmyself and know all of my information. I'm tech savvy and did not mis-click or provide incorrect information to any of them. Now, they all require me to call in for identity verification support. They all have hold times over an hour. XXXX says it is XXXX minutes!! So, these credit agencies that have a strangle hold on us are not prepared to support customers. I do not have XXXX hours to sit on hold to get logged in so I can put a freeze on my credit after a long list of data breaches! I waited over an hour for Equifax and they're " having issues with their system '' and can't even help unfreeze my login! So, the online system tells me to call in, but after waiting over an hour calling in, they can't help. The credit agencies themselves are a scam that have their knee on our throats, and support systems where data breaches mean our identity can then be stolen. Please disolve these credit bureaus or pass legislation that they must have human assistance with no more than XXXX minute waits! This is complete nonsense!