davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

In XXXX of XXXX  I was notified by XXXX XXXX that there was an account in my name that needed attention. I suddenly had a account from some company in Texas for over {$1600.00} in collections. I have had my identity stolen in the past and made poor finical choices so I had filled for bankruptcy and use credit karma to keep track of everything. 
As soon as I found this account, I called the company to find out more information. I started the steps online to report the identity theft, I have placed a freeze all al my credits around as well as marked my account as fraudulent activity is taking place. 
I was directed by just energy that I would need to make a police report and get them that. So I started that process. Once obtained, I then sent a message asking where to send this information. 
No collection agency has reached out as I don't think they have my information, and I will not reach out. 
Just energy asked me to complete this step and sumbit it to them in addition to the other documentation I babe submitted. 
I have also attached the police report obtained.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NC)

After looking at a copy of my credit report I realized that NFCU has been reporting negative information on my report. Inaccurate information being reported about 3 credit card accounts. accounts that i have been in communications with NFCU about to validate. I have sent NFCU several correspondence including full payments of all accounts. my securities were kept and still efforts to collect unowed debts continued. first correspondence thru XXXX certified mail. XXXX dated XXXX XXXX correspondence XXXX certified mail with return receipt. XXXX dated XXXX containing securities and affidavit of truths that were never rebutted. as you know to acquiesce is to agree, therefore my affidavit stands as truth. My ultimate goal is to deal with clean hands always. I also sent letters to the billing department which should have stopped all collection efforts while it was investigated and NFCU chose to violate their own contract and violate my consumer rights according to the fdcpa and the FCRA. I did all I could and I have exhausted my options. My intention is to have NFCU cease all communication and delete the 3 credit card accounts. unless they can prove validation with wet ink signature that bounded me to repay. If not, please delete and stop all collection efforts, and stop reporting this frivolous claim that is hindering me from obtaining credit. account # XXXX account # XXXX account # XXXX furthermore these accounts are charge off accounts although, they were fully zero 'd out with the security payment/ remittance. NFCU kept my securities and are demanding to extort me. I haven't received no XXXX from them for the charge off accounts. let 's work this out amicably and delete these accounts unless you have a contract to prove otherwise. I have put you on notice according to 15 usc 1692c cease all communication and collection and delete this off my report.
Consumer complaint received 2024-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BOK FINANCIAL CORP (MS)

My mortgage was sold to Bank of Oklahoma ( BOK ) i have made all scheduled payments. Payments are set up via autopay thru their company website. My mortgage payment was reported late on XX/XX/scrub>XXXX  to all three credit bureaus. I made two manual payments When I was notified via credit monitoring services of past due mortgage.
Consumer complaint received 2024-06-04
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: CITIBANK, N.A. (CA)

XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX CITIBANK, XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Citi bank XXXX XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX  XXXX XXXX  XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of CBNA
Consumer complaint received 2024-09-08
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. (NY)

I am writing to formally lodge a complaint regarding unauthorized and unrecognizable inquiries made to my credit report by TransUnion. These inquiries were made without my knowledge, consent, or permissible purpose, which is a clear violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ).

Violations of the FCRA Pursuant to the FCRA, unauthorized inquiries violate several provisions : 15 U.S.C. 1681b Permissible purposes of consumer reports. These inquiries were made without my explicit consent, violating the permissible purpose requirement.

15 U.S.C. 1681n Civil liability for willful noncompliance. This violation of my rights appears to have been willful, given the lack of any valid authorization on my part.

15 U.S.C. 1681o Civil liability for negligent noncompliance. Alternatively, if this inquiry was due to negligence, TransUnion and the entity responsible for the inquiry must still be held accountable.

15 U.S.C. 1681c-1 Identity theft prevention. I am entitled to protections against identity theft, which includes safeguards against unauthorized access to my credit file.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information. The inquiry should have been thoroughly verified before being reported. TransUnion has failed in this responsibility.

Violation of the Gramm-Leach-Bliley Act ( GLBA ) Under 15 U.S.C. 6802-6805, I have the right to opt-out of sharing my nonpublic personal information with third parties. The unauthorized inquiry is in direct violation of these provisions, as I did not grant permission for my information to be shared or accessed by any third party.

Privacy Act of 1974 and ECOA Violations In addition to the above violations, the unauthorized inquiry breaches the Privacy Act of 1974 by mishandling my private information, and the Equal Credit Opportunity Act ( ECOA ), which requires fair and non-discriminatory access to credit information.

FTC Report Filed I have already reported this issue to the Federal Trade Commission ( FTC ) on [ XX/XX/XXXX ], and my case number is [ XXXX ]. This report further substantiates my claim that my identity may have been compromised, and unauthorized activity has occurred on my credit report.

Request for Immediate Action I request the CFPBs intervention to ensure that TransUnion immediately removes these unauthorized and unrecognizable inquiries from my credit report. Their actions have impacted my creditworthiness, and this issue needs urgent attention.

I trust that the CFPB will thoroughly investigate this matter and take all necessary steps to ensure my rights are upheld. Please keep me informed of your progress regarding this complaint.

Thank you for your attention to this important matter. I look forward to your prompt resolution of this issue.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX, and Equifax Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-05-14
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. (MI)

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 XXXX 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-13
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've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (FL)

XXXX XXXX  IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with XXXX XXXX  is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both Equifax and XXXX. I am demanding that XXXX XXXX  and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/year> @ XXXXXXXX XXXX. took car in for oil change and two new tires. Decided to get extra work done they said they could do. 
I got a bad poor service because of being a woman and XXXX XXXX. Busted front fender. Two dirty used looking tires instead of new. Torn rims and missing emblems off of three tires. Car almost came off of rack so the hood strut was busted. The rack and pinion was busted also.

The car has not worked and been parked for Three months now. It is costing me {$5000.00}. 
In the mean time I am catching the XXXX. ( $ $ $ $ $ ).. 
Have also spoken with corporate and the bank of credit card. I will not be paying a XXXX for this kind of service.
Consumer complaint received 2024-05-13
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. (IL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. However, they 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 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.
Consumer complaint received 2023-10-19
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: Avant Holding Company, Inc. (AL)

AVANT LLC/WEB BANK Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX OF XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are XXXX from my bankruptcy and still showing up
Consumer complaint received 2024-09-08
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. (IL)

The bureau has done nothing to resolve any issue that I have presented to them at any time. Investigations have been longer than 30 days and no communication or resolve has been received. They violated FCRA laws 15USC1681 ( e ) ( b ) and have not ensured that my credit report shows accuracy at the maximum level. They further continue to violate FCRA 15USC1681b by reporting information that does not belong on my report. I feel completely violated and want remedy now.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

An improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (PR)

My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.