davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (AZ)

On XX/XX/year> I got a collection notification on my credit from XXXX XXXX. I was unaware of a balance I had with XXXX as I relocated from XXXX to XXXX. So I called LJ Ross Associates XXXX and spoke to XXXX. I told him I was never notified or called regarding a balance. I asked him what was my balance and he stated {$180.00}. I asked XXXX if I paid the balance in full right now will it be removed from my credit report. He stated yes. He also stated verbatim we report to credit bureaus every week on Sunday and Monday. This collection has harmed my credit and is reporting with all bureaus. I did pay the balance but LJ Ross Associates have not removed it from my credit as promised. It reported closed and paid as of XX/XX/year>. I would like them to remove this from all credit bureaus.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

This is in reference to cases that you guys have closed..However Nothing was done and I am still being told that the transactions was authorized by me.And I can't prove that it wasn't However..Now information is being released about skimmer devices that started during the same time my accounts were closed when there were too much funds In the account that couldn't be withdrawn at am Atm machine..
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-08-05
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. (FL)

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 ( BALANCE ON THIS ACCOUNT IS INNACURATE ) XXXX XXXX XXXX XXXX 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 finish 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 2024-05-30
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: Waypoint Resource Group, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri Laws Dear WAYPOINT, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws related to identity theft and credit reporting.

It has unequivocally come to my attention that WAYPOINT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, specifically Sections 570.223 and 407.020 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and outlines the protections against identity theft and fraudulent activities. Section 570.223 addresses the unlawful use of personal identifying information, highlighting the severity of unauthorized access and misuse of personal information, while Section 407.020 establishes clear guidelines for fair business practices, including consumer credit reporting.

I assert with unwavering certainty that I have not provided consent for WAYPOINT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAYPOINT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WAYPOINT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-07-25
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: Experian Information Solutions Inc. (MI)

On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. XXXX reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last payment. Experian states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report
Consumer complaint received 2023-11-09
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}, XXXX XXXX  Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXX Acct : # XXXX  Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On or about XX/XX/23, I contacted NFCU re a purchase I made on XX/XX/23 in the amount of {$360.00} through XXXX. Of that {$360.00}, on XX/XX/23 at XXXX, I set up a partial return with the company in question, XXXX XXXX The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. The items were sent Via XXXX at XXXX Legacy XXXX, # XXXX, XXXX, Texas XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/23, XXXX at the warehouse in XXXX California XXXX the address provided by XXXX XXXX Further, XXXX continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from XXXX. XXXX denies this, even though that information was provided to them. On XX/XX/23, NFCU requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. On XX/XX/23, said information was provided. Despite that, they closed my case in favor of the merchant. This is NFCUs continued practice to resolve disputes in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but NFCU refuses to further investigate. If needed, I will provide additional information that, again, has been provided to NFCU, XXXX, and XXXX. This is obscured that this back continues to ignore the facts by lacking due diligence that would prove my case. XXXX has been known to play this game with many consumers. Even XXXX has verified their fraudulent business practices, whereby they will deny XXXX has made deliveries when they have. But NFCU does not care to protect their own customers
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV funding placed a collection account on my credit report for {$1.00}. I do not have an account with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to see documents proving they own this alleged account
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

I did not authorize a transaction. I disputed with my bank and they denied the claim. I emailed the company on multiple occasions per Navy federal denial and have not received my funds. I have not received any merchandise or response from the company. They do not have a phone number listed. Navy Federal has since closed my debit card. I am requesting my funds for a transaction I did not authorize.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

In 2000 when I opened this account it was you had to send them money and they would match the amount you sent. You could only use the funds you have, once it was paid off I never used it again, I am on extended credit card fraud from the IRS of my credit and social being stolen. This isnt my debt
Consumer complaint received 2023-12-28
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. (PA)

I sent XXXX letters to XXXX  XXXX  company and the companies hasn't responded in the XXXX  days XXXX reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now XXXX  requesting to have theses items removed from XXXX XXXX reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX of this year, Bank of America posted false information on my credit report and refused to remove it despite multiple written requests. Therefore I began paying off the loan early as I do not wish to do business with a company like them. 

On XXXX XX/XX/year>, I made the final payment of {$4800.00} to pay the principle of the loan balance and be done with them. I was expecting to pay $ XXXX {$20.00} in interest afterwards to officially close it out and never have to deal with them again. 

On XXXX XX/XX/year>, they drafted my personal checking account for {$600.00} and removed my online access to view statements, payment history, request the title, etc.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC (TX)

The company failed to honor the XXXX  and XXXX XXXX. I received a letter on XX/XX/year> after the XXXX and XXXX XXXX became active. Now the company is threaten to use criminal means to XXXX XXXX person, reputation and property. 

It is the same account number therefore not a mistake and error on the company parts. This is a direct violation of the FDPCA.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I noticed on my credit report that it is saying I owe money to this company. I have no idea who this company is and what I could possibly owe them. I never got a notice in the mail saying I owed them money nor have I received a phone call. I only saw this company saying I had a collection account on my credit report. I tried contacting the company by mail and I have not gotten a response.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AZ)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX IS NOT LISTED ON THIS APPLICATION. NOT SURE WHY. I SUBMITTED AN APPLICATION FOR MISCONDUCT BUT NEVER RECEIVED ANY RESPONSE. THIS WAS APPROXIMATELY XXXX YEARS AGO. I READ AN ARTICLE TODAY ON XXXX THAT ADVISED OF A NEW APPLICATION FOR SCHOOL MISCONDUCT SO I APPLIED AGAIN. I WAS INSTRUCTED BY ANOTHER ORGANIZATION THAT I SHOULD HAVE HEARD BACK BY NOW ABOUT THE FIRST APPLICATION. I DON'T KNOW IF IT WAS DENIED BUT I DO NOT HAVE ANY INFORMATION ABOUT A CLOSED SCHOOL. I DO NOT HAVE ANY INFORMATION PERTAINING TO ENROLLMENT/ADMISSIONS BECAUSE IT WAS IN XXXX. I SHOULD NOT BE PENALIZED OR MY APPLICATION SHOULDN'T BE DENIED FOR LACK OF REQUIRED INFORMATION. ALL XXXX XXXX HAVE BEEN CLOSED FOR YEARS. MISCONDUCT HAS BEEN PROVEN. MANY OTHER CLASSMATES WHO ATTENDED WHEN I DID HAD THEIRS FORGIVEN DUE TO PROMISES MADE BY XXXX THAT WERE NOT KEPT AND CREATED HARDSHIPS FOR US.