davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (TX)

XXXXXXXX XXXX  Account Number = XXXXXXXX XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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: U.S. BANCORP (CA)

I am writing to formally file a complaint against US Bank, pertaining to their handling of my fraud claim, which I submitted on or around XX/XX/2023. The details of the situation are as follows : Fraud Claim Submission : On XX/XX/2023, I submitted a fraud claim amounting to over {$4000.00}, related to charges made on my lost/stolen card. 

US Banks Response : On XX/XX/2023, US Bank denied my fraud claim without requesting any supporting information or providing an explanation or evidence for their decision. 

Phone Conversation with " XXXX '' : Following the denial, I received a call from a representative named " XXXX '' on XX/XX/2023, from phone number XXXX. During the conversation, XXXX was rude and unhelpful, threatening to close the claim and treating me as if I were responsible for the charges. She informed me that their official policy required a police report for transactions above a certain amount. 

Submission of Police Report : In response to XXXX 's instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number she provided. 

Lack of Communication : Despite my attempts to communicate with XXXX, my calls have gone unanswered, suggesting a lack of willingness to resolve the matter. 

I strongly believe that US Bank 's treatment of my case has been discriminatory and in violation of their own policies. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I appreciate your prompt attention to this matter and look forward to a swift and just resolution.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC. (NC)

Contacted the company multiple time via the support and help email address, however there was no response. The consumer support lines doesnt work. 

Here is the brief request Dear Robinhood, I am writing to request your assistance with obtaining my Tax statement for the year XXXX and XXXX. I have been experiencing issues with logging into my account on your online trading platform, which has prevented me from accessing the necessary tax documents. 

I kindly request that you provide me with my Tax statement for the year XXXX XXXX as soon as possible, and assist me in resolving the login issue so that I can fulfill my tax obligations. Any further delay in providing the necessary tax documents could result in penalties and fines from the tax authorities. 

If not response received, I will be contacting Consumer Financial Protection Bureau ( CFPB ) and the Securities and Exchange Commission ( SEC ) for failing the compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely affecting both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

My XXXX XXXX XXXX has an accident on their Lexis Nexis record that was my husband 's. I tried calling to correct and they told me that my XXXX  needed to be with me. I tried calling again with my XXXX  and they need me to upload their driver 's license or birth certificate to verify our identity as my child is XXXX XXXXXXXX. I already XXXX XXXX my XXXX XXXX SSN and DL # but apparently that's not enough. It makes me really uncomfortable to have to upload these items to fix an error that they made and to not have a physical location that we could go to instead.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX XXXX XXXX I, made a payment for XXXX to be sent but, as a Check only payment. 
I, had noticed that the Payment XXXX went out on XX/XX/2024 as a ACH payment Electronically as the method Instead as a paper check as it was set up by me. Never changed. 
I, would like for the bank please provide a copy to me Showing that XXXX or another were allowed to make ALTERATIONS to my account after a payment was submitted and in process by using my Bank Account, My personnel information. 
Maybe the bank should provide insight why this was done if you don't mind. If the Bank was not allow to do so I, want that person removed from having access to my accounts. Permanently, Payment should not have gone out as a ACH. Should of had gone out as a paper check directly instead. 

I, already made changes to the Account Something I, should not had to do or Make { changes } in my life and driving to XXXX XXXX XXXX from XXXX Florida but I, did. 

Who requested For the ACH and Funds to be sent before the others that are still sitting in there to the same Merchant USDA in the amount XXXX and XXXX as a check payment and paid on time. XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for auto loan application on XX/XX/2023. I spoke to XXXX and XXXX of Bank of America. I made it well aware that the were in violation of my rights. I was not denied credit. I provided the proper information. I was not given the funds for the auto loan. XXXX the XXXX said XXXX was the reason for the denial. I never did business with XXXX for them to be the reason the denial baffles me. I told XXXX I will be reaching out to the CFPB. I still want the funds for my auto loan. I told XXXX the call is recorded. I was confused because she told me that I can not receive the funds only the dealership. So I want to know why was I able to apply for the loan online.
Consumer complaint received 2024-06-07
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. (NY)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-07
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. (NY)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX Account # XXXX, XXXX Main Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my Affirm loan on XX/XX/XXXX. 

Affirm first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the Affirm payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and Affirm was non-responsive. I was credited that money back. 

I am now receiving repeated contact from Affirm falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by Affirm to NOT make any payments while my case was being investigated. 

I have filed a dispute with XXXX because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VI)

In XXXX of XXXX, I requested that Experian conduct an investigation into the false reporting being Done by my mortgage holder, XXXX XXXX. XXXX XXXX had been falsely reporting to Experian, that beginning in XXXX of XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If XXXX had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that XXXX had been misapplying the payments to another mortgage account I held. XXXX did not have a proper accounting and servicing system that would and should have prevented XXXX from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time XXXX serviced both loans. 

Instead, Experian simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from XXXX. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused XXXX to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of XXXX, its predecessor. Experian violated its investigatory responsibilities of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter last XX/XX/XXXX to delete all negative items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all these information not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX  XXXX Balance : {$2800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$250.00}, XXXX XXXX Balance : {$580.00}, XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VI)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 As you know I live in XXXX XXXX, XXXX. In XX/XX/2017 we had two devastating hurricanes Irma and Maria. Because of these hurricanes our power, internet and postal service was down for almost a month. I had no way to make the payment on time and this is why it was reported 30 days late. As you can see, I have always made my payments on time except this one time. I kindly ask that you remove this late payment from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
Consumer complaint received 2023-10-25
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. (TX)

I, XXXX XXXX, sent XXXX and Transunion a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but XXXX and Transunion have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that XXXX and Transunion follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX