davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Pursuant to 18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, your consumer reporting agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Your consumer reporting agency has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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 have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate and incomplete fraudulent information or information can not be verified, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, On XX/XX/2024 I submitted a dispute to XXXX due to payment history errors/discreptencies. My credit report shows inaccurate dates of my vehicle reposession. Under the Fair Credit Reporting Act I am wanting a removal of account due to inaccurate information. The dispute came back as " accurate '' ( was not resolved ) and the lender has failed to remove the account even after investigation. 

In addition to the discreptencies, I contacted my XXXX ( XXXX ) and requested a receipt of refund/payout to either myself or the lender due to loss. Unfortunately XXXX XXXX has failed to provide me with the requested information and has no records. My vehicle was a loss and I never received a letter by my GAP insurance of any payment to myself or the lender? 

This unfortunate circumstance has negatively impacted my credit drastically and would appreciate some assistance with this investigation for accurate information. I am attaching a screenshot of the discreptencies from the lender. 

Thank you for your time with helping me with this complaint.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all Experian, XXXX, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

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. 
US DEPT OF EDXXXX # XXXX has violated my rights. THis account has been paid however on XXXX they are reflecting negative i demand that the full completeness of these accounts be updated there are XXXX student loans with same account number they are reflecting paid on time on each other credit agency 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 
Chapters
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (IL)

For the past three years Ive been receiving numerous calls and emails from a collection agency asking about a XXXX XXXX bill that I owe for {$1000.00}. The agency is called I C System INC. Ive explained to them multiple times I never had a XXXX XXXX. Ive contacted XXXX several times to dispute this issue off my credit report and I tried disputing this issue on the XXXX website as well. However, nothing has changed but constant calls and emails from the collection company trying to force me to pay a bill that I never put in my name. On XX/XX/XXXX, of this year, I was denied for a home that I applied for due to having a this two fraudulent bills thats in the collections. Ive explained to them as well, I never applied for a credit card in my name and even explained this issue again to XXXX. This issue is holding me back from applying and being approved for a home and damaging my credit score. This issue has gone on for too long and something has to be done. I filed a complaint on the consumer complain.gov website. Also, the attached documents and a copy of my state ID ( front and back ) are uploaded now.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

Placed an order on XXXX and my order was never delivered. XXXX refuses to refund, filed a dispute with Chime. They did not even review the claim, just automatically denied it. Will not allow me to appeal or speak to anyone.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

On XX/XX/year>, while on vacation abroad, I received a phone call from someone alleging to be from Citibank, telling me there was unauthorized activity on my account. I was informed that there was a pending {$5000.00} charge, through XXXX. While I did not provide any information as to passwords, etc, the person in the other side had access to all my account information, including my social security number. When I saw the XXXX removed from my balance, as I was looking at my balance throughout the call, and they began to ask me to make another charge to reverse the payment, I hung up and called Citibank. A dispute was immediately filed. On XX/XX/year>, I received a letter from Citibank informing me that my dispute was denied because their investigation determined that I made the charge myself, which is completely untrue.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MN)

Literally can not get ahold of a live person at this place. Phone system does not allow. They purchased my mortgage from a different provider and I have had nothing but issues with payments getting there on time or even knowing they were late. Can't get ahold of anyone to discuss. They sent an initial letter stating that they purchased my loan and that nothing would change. So I carried about my day. But after a few months, they stopped receiving my auto payments. As the address I was sending to must not have worked anymore. I finally got it resolved on my end, but then got hit with Fees and a delinquent report on my credit report. I have never missed a payment in my life. I now can't even talk to anyone about this. Seems like this company is in business to make it challenging to do business with and charge late fees. So upsetting.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-04
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX 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 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (NE)

I had requested information pertaining to my account and the agent asked if I was going to receive a payment I stated yes and he said that it was my email address and I said threat it didn't request my email address it requested my account ID from the service card provider and there has been purchase made on the account for the amount for XXXX XXXX for XXXX XXXX XXXX  sent to XXXX XXXX  to a XXXX XXXX its XXXXwo invoices for the purchases that wasn't authorized by me and they have it set up in the XXXX XXXX XXXX on there monitor it says XXXX 's XXXX  I don't know why but that was strange and odd
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (GA)

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms XX/XX/XXXX Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CrossCheck, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX MY LAST NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-08-10
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: General Motors Financial Company, Inc. (GA)

I am filing this complaint to inform you that GM Financial has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for GM Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with GM FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with GM FINANCIAL for review or collection. I wrote to GM Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, GM Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ) ,15 U.S.C. 1681e ( a ). Therefore, GM Financial has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX : section XXXX of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : 15 U.S.C. 1681b ( f ) ( 2 ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

XX/XX/year> - Initial notice of debt related to move out expenses from a rented apartment XX/XX/year> - Explanation of why I don't owe the debt sent XX/XX/year> - Collector sends me a copy of my lease and says the debt is verified XX/XX/year> - I call them and express that I need to know what makes them believe I owe it -long delay in contact- XX/XX/year> - I get a voicemail telling me to call the collector XX/XX/year> - Collector is called and I'm told I owe them money " because I signed a lease '' XX/XX/year> - I discuss the lease with an attorney and I'm told that I do not owe the debt XX/XX/year> - Sent a letter of demand to both the collector and the landlord, with evidence XX/XX/year> - Landlord sends back that they will not be communicating with me XX/XX/year> - Collector told me my case will be " investigated by the higher ups '' XX/XX/year> - I find the illegal debt negatively impacting my credit report
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (AZ)

I am filing this complaint against Planet Home Lending and their investor, XXXX XXXX and XXXX XXXX, due to their refusal to issue necessary Form XXXX for my mortgage loans, which are in my name and tied to my Social Security number, not a company. 

Details : Properties and Loans Involved : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IN XXXX Loan Origination and Servicing Timeline : The loans were originally issued by XXXX, which provided Form XXXX for these personal mortgages. 
The loans were then transferred to Planet Home Lending, which is now refusing to issue Form XXXX, claiming they are commercial loans. 
Dates and Actions Taken : XX/XX/XXXX : I received Form XXXX from XXXX for both properties. 
XX/XX/XXXX- XX/XX/XXXX : Loans were transferred to Planet Home Lending. Despite multiple requests, they have refused to issue Form XXXX. 
XX/XX/XXXX : Contacted XXXX XXXX and XXXX XXXX, the investor, urging intervention. No response received. 
XX/XX/XXXX : Formal notices sent to both Planet Home Lending and XXXX XXXX and XXXX XXXX indicating the intention to file a complaint with the CFPB. 
Impact : The refusal to issue Form XXXX has caused significant tax complications, including potential penalties and incorrect tax filings. The misclassification of these loans as commercial despite being personal mortgages in my name is not only inaccurate but also financially damaging. 
Attachments and Evidence : I have attached all relevant documents, including correspondence with Planet Home Lending and XXXX XXXX and XXXX XXXX, the original Form XXXX from XXXX, and proof of my personal mortgage status. 
I urge the CFPB to investigate this matter and ensure that Planet Home Lending and XXXX XXXX and XXXX XXXX comply with the necessary tax reporting requirements to resolve this issue promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Palm Beach Credit Adjustors, Inc (FL)

DEAR CFPB REPRESENTATIVE collection : i am writing to file a formal complaint against XXXX for violating my rights under various federal law and regulations. specifically, I believe the agency has fail to comply with follow provision. Agency not yet provided validation information under 12cfr 1006.34 ( B ) ( 5 ), but yet they placed a collection on my consumer report, i have not yet been given a chance to dispute account according to 12CFR 1006.34 ( c ) ( 4 ) collection agency is violating my consumer rights by using false misleading and misrepresentation and deceptive means. collection agency has no authority to furnish any account to a consumer reporting agency without providing any all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( D ) and 15usc 1681 s & 15 USC 1681 A & 15 USC 1681E ( B )
Consumer complaint received 2024-08-06
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: DISCOVER BANK (MO)

XXXX XXXX charged me for an item 3 times. One time was refunded. I disputed the remaining charges with Discover the following weekend. They denied the dispute today, and the charges remain on my account, meaning I paid for an order that was swiped 3 times. I plan to take Discover and XXXX XXXX to small claims court if this is not resolved and publish this story publiclyXXXX XXXX XXXX XXXX XXXX XXXXXXXX if I lose money. Its not that much money to begin with. That is besides the point. The point is I had the money stolen from me and both companies have failed to return it.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX per violation, for account listed without my expressed written consent.