davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 2024-03-01
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Please remove all fraudulent accounts and inquires 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 May 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802.

Remove, correct and update the following address, employment and phone number ( s ) to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX There is an address on my report that is a non-mailable address. Can you tell me where you got this address? 3rd party agency? Under the Privacy Act 1984, this is a violation.

Student Loans-Family & Educational Privacy Act of 1974that is displaced on my credit report. They are not supposed to provide transaction history to anyone. They owe me. I never received a 1099C. 

XXXX XXXX? Whom are they? Remove.

Charge offs of any and all 3rd party collectors. All 3rd parties have a certificate of indebtedness. That is now income that can not be reported All Inquiries to be removed..immediately.

15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2024-07-03
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: Experian Information Solutions 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am filing this complaint due to unresolved inaccuracies in my credit report related to a SYNCB/PayPal Credit account , as reported to XXXX. The report contains incorrect information, including allegations of delinquency and derogatory remarks, which do not reflect my actual credit history. 

Discovery of Inaccuracies : I noticed these inaccuracies upon reviewing my credit report from XXXX. 
Initial Dispute Actions : I sent a formal dispute letter to SYNCB/PayPal Credit , contesting the inaccuracies and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. This letter specifically challenged the reported payment status, credit limit, account status, and the accuracy of the last verified date. 
Specific Discrepancies : The primary concerns include the reported payment status as 'CollectionOrChargeOff, ' an incorrect credit limit of {$1400.00}, and the account status listed as 'Open. ' Additionally, the last verified date reported as of XXXX ' is contested for its accuracy. 
Demand for Verification : I have requested documented proof of compliance with reporting standards and applicable consumer laws, emphasizing the necessity for accurate, complete, timely, and validated information. 
Lack of Adequate Response : To date, SYNCB/PayPal Credit has not provided satisfactory evidence or resolution to these disputes. 
Impact on Credit : These inaccuracies are adversely impacting my credit score and my ability to secure financing. 
Resolution Attempts : Despite giving SYNCB/PayPal Credit a 30-day window for investigation and correction, the issues with this account remain unaddressed. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by SYNCB/PayPal Credit and to uphold the standards set by the FCRA and XXXX XXXX .
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OR)

Well over XXXX phone calls in a one month period. Hours were within their normal business hours. I pulled my phone records from my carrier to validate. The calls continued until I asked them to not contact me by phone any further. Absolute insanity.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I believe that all 3 credit bureaus, XXXX, TransUnion, and XXXX for many years have wrongfully given my personal information to many third party companies, as well as a company called XXXX. which in part has kept me from getting credit while applying for certain jobs, as well as credit cards and loans. And I've received many emails from companies that I've never ever applied to for anything, so where is could they get this information from!!! If I've applied for loans, credit cards as well as jobs, all responses have been denied do to poor credit. these dates go back to XXXX plus years or more. XXXX - XXXX I've also reported before to the Bureaus about Identity theft to no avail.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, Equifax & XXXX still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX
Consumer complaint received 2024-07-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (ME)

on XX/XX/XXXX, I logged into my Mr. Cooper account to pay my mortgage. When doing so, I noticed that the monthly payment had increased from {$2800.00} to {$4200.00}. When looking over my statement, I noticed that Mr. Cooper had recently completed an annual escrow review that lead to the large increase in monthly payment owed. During their escrow review, they erroneously input that my property tax payment is double what it actually is ( they list it as {$12000.00} when it is actually {$6300.00} annually ). 

I reached out via phone on XX/XX/XXXX, and the rep quickly noticed this mistake and let me know that he put in a research request and it would be resolved within XXXX business days. After the projected time had passed, I noticed that Mr. Cooper lowered my monthly payment owed to {$3600.00}. At this time, they had uploaded a new escrow statement showing that they resolved part of the error ( property taxes made last year was decreased to what was actually paid : {$6300.00} ), but are still projecting that my next year of taxes are double what they actually are. 

I called them again, for the rep to say it is what it is and there is nothing that they can do. At this time, I escalated with a XXXX who submitted a research request, with again, no resolution taking place. This would be an easy to resolve issue if someone would take a look at my tax bill and see it is exactly half of what Mr Cooper is claiming it to be.
Consumer complaint received 2023-12-19
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: Tower Loan of Mississippi, Inc. (FL)

On XX/XX/XXXX  I received a notification through XXXXXXXXXXXX  that a hard inquiry made on both XXXX and XXXX credit agencies on XX/XX/XXXX  by Tower Loan XXXX XXXX XXXX XXXX, XXXX, MS XXXX However, I did not request any financial services from Tower Loan and called multiple branches to inform them about unauthorized requests at the numbers below : XXXX XXXX XXXX I've been advised by customer service reps at these branches to file a credit reporting dispute using online form at https : //www.towerloan.XXXX and to dispute it with XXXX and XXXX credit reporting agencies directly. Nevertheless, I received a letter from Tower Loan dated XX/XX/XXXX  that stated that " this appears to be a valid attempt to obtain credit '' and no additional information has been requested. XXXX Credit agency sent a letter confirming that they removed a hard inquiry because it " was deemed a fraudulent application ''. XXXX has not responded as of yet.
Consumer complaint received 2024-07-03
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding XXXX XXXX. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2023-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

I have an online savings account with Citi Bank, Citi.COM and a credit card. I changed my phone number on Saturday, XX/XX/2023. I was not able to sign onto the website to change my phone number because the website would only text or call my old number that was no logner good to identify me. I couldn't recover using email. I called the credit card to change my number. They said to wait a couple days then retry. The system still didn't fix itself. I called back. The Credit Card said that it was the Bank with the Savings account that I needed to rectify and they transferred me. The agent had to verify my identity so I provided all my information. Then I was told that there was nothing they could do and they hung up on me leaving me locked out of my accounts. I filed a complaint with the XXXX XXXX XXXX Their response was that they would take 15 days to investigate. I called back and at least got an agent to send me a letter I could respond to, but that took about a week and a half. I called them to find that they triggered a fraud alert because I needed to call to update my new number on XX/XX/2023. They called my phone call, " suspicious ''. I called them today when I received the letter from the fraud department, XX/XX/2023, and was on the phone for approximately an hour to finally get access back to my account with the help of the customer service rep. Then I went to log back in later and I'm locked out again. I called and the rep told me that my number that was entered today is not eligible for online banking for 14 days. 
The nearest physical bank is 2 states away from my location- a 4-hour drive. 
So, I'm not able to manage my credit card. I don't know if there are suspicious charges to be disputed. This is going on a month because I needed to update my phone number.
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: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ANY CONSUMER REPORING AGENCY.. 15 US CODE 1681B ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
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: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-11-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I, XXXX XXXX am a federally protected consumer pursuant to 15 usc 1692A ( 3 ) which states that the term consumer means any natural person obligated or allegedly obligated to pay any debt. 
I, XXXX XXXX entered into a consumer credit transactions with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

In XX/XX/XXXX my student loans were transferred from XXXX to Mohela. My balance with XXXX is now {$0.00}. 

In XX/XX/XXXX I reported that my student loans were showing as duplicates on my credit report. Both XXXX and Mohela are showing on my report and both are showing balances. This is incorrect. My XXXX account should reflect as {$0.00} and my Mohela account should reflect my student loan balance since it was transferred. 

On XX/XX/XXXX I received a letter from XXXX that when my loans were transferred Mohela created a new trade line on my credit report instead of updating the XXXX trade line to their information. This is causing my student loans to be duplicated on my credit report.

It has been 1 month since this investigation was completed and there have been no changes to my credit report. I was told that Mohela was notified about the issue and to give them time to update everything, but as of this morning
nothing has been done. This is unacceptable and needs to be fixed immediately as this is affecting my credit report.