davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Duplicate Account numbers, delinquent payments, account shows closed and discharged in XXXX XXXX incorrect open and close dates. I have 5 accounts with XXXX  XXXX and all of which are in good standing.
Consumer complaint received 2024-04-16
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and 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 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (TX)

Giving the period of time I have already been affected 15 U.S. Code 1666a, 15 U.S. Code 1666b, 15 U.S. Code 1666c are not being meet According to the Consumer Financial Protection Bureau. I simply and humbly ask that Kovo Inc info on My Consumer Report and My Credit Report shows the status as current and stop negatively impacting my credit report with inaccuracies. To whom it may concern ; Please and Thank You in advance.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2024 I, the CONSUMER applied for American Express Gold Card and was denied. 

Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS COMPANY due to the response I received. 
AMERICAN EXPRESS COMPANY is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, bit credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS COMPANY. 

Failure to reverse their decision, will force my hand to sue for Securities Fraud.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every XXXX to 45 days in XXXX rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my XXXX round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with Bank of America edd for my unemployment benefits that were wrongfully denied. Besides the fact that this has tremendously set me back and caused me hardship. I called for reconsideration and filed the dispute again but i have not got a response regarding my provisional credit or anything regarding my money. Please help me resolve this matter i would really appreciate it.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

According to the IRS an unpaid XXXX is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of XXXX ) from the following charged off account listed below. 

XXXX XXXX  XXXX checking my most current report the updated information stated the account was purchased by another Lender XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the XXXX form
Consumer complaint received 2024-02-26
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: Cross America Financial LLC (FL)

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance with FLORIDA FCRA Identity Theft Fraud Laws Dear CAF, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which violates both federal and FLORIDA state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as FLORIDA identity theft fraud laws.

It has recently come to my attention that CAF has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. This action directly contravenes federal law, which mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ) of the FCRA.
Furthermore, FLORIDA state laws, particularly those outlined in the FCRA and identity theft fraud statutes, underscore the necessity of consumer consent for credit reporting and the severe penalties for unauthorized access and misuse of personal information.

I wish to make it unequivocally clear that I have not granted consent for CAF to report any information to my credit report. This lack of explicit permission represents a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and demonstrating a complete disregard for federal and state regulations.

Therefore, I demand that CAF immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and FLORIDA identity theft fraud laws. Failure to comply within the allotted 30-day timeframe will be considered willful noncompliance and may incur penalties under applicable laws.

Obtaining consent is not optional but a legal obligation under the FCRA and FLORIDA state laws. This is not negotiable ; it is a demand for adherence to both federal and state regulations, safeguarding consumers such as myself from unauthorized and detrimental credit reporting practices.

I anticipate your prompt attention to this matter and expect that CAF will take immediate steps to rectify these violations, thereby respecting my rights under federal and FLORIDA state laws.
Consumer complaint received 2024-08-15
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. (KS)

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 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

Chase / Amazon account number XXXX XXXX XXXX XXXX Chase maintains they have no affiliation with Amazon. However the Chase Credit Card was set to default on Amazon without notice to me. The account has since been closed and I paid off the Full Principal that I could not confirm I did not incur. ( {$74.00} ) Despite paying off the Principal in full, Chase bank continues to send me statements charging additional late fees and interest upon those aggregating late fees and interest upon that interest. It is harassment. 

I would provide an attachment showing that Principal paid in full, however Chase has closed the account and locked me out viewing my previous transactions, so I can provide no documents to you.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Resources, Inc. (TX)

I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/ 2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (CA)

Despite no changes to my credit report, Experian dropped by score by XXXX points. When I submitted an online inquiry asking for a reason as nothing negative was showing up on my credit report, Experian replied that they could not provide me with an answer unless I paid for a membership. This sounds like blackmail.
Consumer complaint received 2024-04-16
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. (TN)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

I, XXXX XXXX, am formally writing this complaint because a debt collection company by the name of LVNV FUNDING LLC placed an unvalidated alleged debt on my consumer report. I don't know where this alleged debt came from. The account in question was first seen in my XXXX consumer disclosure report. I am aware that this specific debt collection company is a " debt buyer ''. They buy debt for pennies on the dollar. Which further lets me know that they are more susceptible to practicing abusive and deceptive behavior. I don't. This company is a company known for abusive behavior who was sued previously multiple time by various consumers. I did not receive any legal disclosures, I was not given the opportunity to dispute the alleged debt, and they are destroying my reputation. The debt collection company is violating my rights to privacy. LVNV FUNDING LLC is not licensed is not licensed to collect in the state of Tennessee. These are all violation of the Fair Debt Collection Practices Act per the Debt Collection Rule. The following violations have been committed by LVNV FUNDING LLC : 15 USC 1692d ( 1 ), 15 USC 1692C, 15 USC 1692e ( 10 ), 15 USC 1681s-2, 5 USC 552a ( Privacy Act of 1974 ), Tenn Code 62-20-105, and 18 USC 1001 . This debt collection company is being both deceptive and abusive. I do not have any information regarding this. I did not receive any communication or attempt to communicate form this company.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (VA)

I have recently noticed the unauthorised or incorrect information from XXXX creditor on my account applied which was opened on XX/XX/2022 and used transactions and made payments which where not done by me as the account was not mine i have no contact with the creditor from XXXX, i have submitted my dispute through experian but they say the dispute as verified and remains same. This had impacted majorly on my credit score and was unable to take mortage for home buying please help me out
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

Square pocketed XXXX from my business account and never returned my money back to me there was no reason for them to keep it. i have already liened Square for 1,000.00 Square resulations team say the refund would take up to 7-10 business days and i never resieved it back from them my orgional address that i used from them with this account was XXXX I never got the money back from them, this is fraud 100 percent they have a history of doing this to customers.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I MADE A COMMPLAINT VIA CFPB ABOUT MY EXPERIAN REPORT ON XX/XX/2024. EXPERIAN RESPONDED WITH " THE DISPUTED INFORMATION HAS EITHER BEEN REMOVED OR DO NOT APPEAR ON YOUR CREDIT REPORT '' I HAVE REACHED OUT TO EXPERIAN FOR AN UPDATE AND RECIEVED NO RESPONSE. I HAVE CHECKED MY CREDIT REPORT ON MULTIPLE SITES AND NOTHING HAS BEEN VERIFIED. I REQUEST THAT EXPERIAN SENDS ME AN UPDATED REPORT WITH MY RESULTS FROM MY DISPUTE.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-16
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: Synovus Bank (VT)

I put down a {$200.00} deposit to get this card and then close did attitude XXXX dollar balance, however, they decided not to close it and they kept it open and now it is {$13.00} over and theyve been charging me that for years they need to close this account because my security deposit more than pays the balance and remove it from my credit report I demand it
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

In XX/XX/XXXX a report from XXXX XXXX XXXX placed a collection account on my credit reporting statong it was a collection for a XXXX account. I have not had XXXX service since XXXX.I disputed this collection and it was removed by XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX i received a report from now a XXXX XXXX XXXX the SAME XXXX ACCOUNT. Same amount and same information. I spoke with multiple people at XXXX and filed a " FRAUD IDENTITY '' case with XXXX as well. Provided all needed documents. XXXX has stated they can't file this case due to me not having a account with them. I have personally called an spoke with people from the XXXX XXXX XXXX which they are stating they have an account with my Telephone number but social and address are NOT correct. I filed with the credit bureau which also states this account was removed back in XX/XX/XXXX from XXXX XXXX XXXX. So how is it that the same information from the same reporting agency is with 2 different credit collections. On top of that this has been going on for 2 months. The collection company XXXX XXXX XXXX can not produce no type of documentation stating this is my account. But have stated the information they have is not matching my personal information. This is suppose to be removed after 30 days according to the Fair Credit Act. So why is this company not removing this FALSE report off my credit.. I was in the middle of buying a home and got denied because of this.. This needs to be handled accordingly to what the laws are or i will pursue to the next step to sue this company XXXX XXXX XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports