davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX, XXXX These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics. 

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received advertisement in account for opening new checking account and receiving a promotional bonus when depositing {$20000.00} is 30 days and maintaining that balance for 90 days. I met these terms and the bonus was never received. I called customer service and they opened a case for me ( XXXX ). A month went by and I never received any feedback so I called again and they said the case was rejected and there was nothing they could do. This is clearly a case of bait and switch and false advertising. I have included screenshots of the offer details and terms and conditions.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (CA)

Im showing XXXX separate hard inquiries form XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX On XX/XX/year>. 

I only authorized or agreed to XXXX credit check while inquiring about a vehicle. I was completely unaware that they tried XXXX alternative loan options. They failed to inform me of this. Ive called their dealership and have received no follow up. 

Ultimately Id like to get XXXX XXXX XXXX and XXXX XXXX Hard inquiries removed from my credit report. Any and all help would be appreciated.
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I have thoroughly reviewed the relevant regulations and laws, and it is clear that Jefferson Capital Systems LLC has failed to comply with mandatory requirements. According to 12 CFR 1006.34 ( b ) ( 5 ), Jefferson Capital Systems LLC is required to provide validation information for the alleged debt. To date, they have not provided any such validation, yet they have placed a collection on my consumer report. This action is a direct violation of my rights as a consumer. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the account before any negative information is reported. I have not been given any opportunity to dispute this account, which is another clear violation of the regulations designed to protect consumers. The collection agency is also in violation of my consumer rights by employing false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all required disclosures by law, specifically outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Given these violations, I respectfully request that this inaccurate and unauthorized collection account be immediately removed from my credit report. Please conduct a thorough investigation and provide me with written confirmation of the results. Jefferson Capital Systems LLC, if in fact you believed you gave me proper notification, then please send the certified reciepts with my name and/or signatures on there. Thank you for your prompt attention to this matter. I look forward to your resolution.

I'm unaware of this debt, I didn't have an opportunity to dispute this information.. if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it.
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

On XX/XX/XXXX, I refinanced my private student loans from XXXX XXXX to XXXX by FirstMark Services. My refinancing was set at a fixed interest rate of 5.48 %. In XX/XX/XXXX, my loan was transferred from CommonBond by FirstMark Services to My Loan Manager by FirstMark Services. Upon transferring, I was not able to access my account for months. When I did, I discovered that my new interest rate was set at a variable interest rate of 9.42 %. I tried calling to remediate this, but was told to look into a new refinancing plan with another company as a solution.
Consumer complaint received 2024-08-04
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. (FL)

Hi Experian, I'm looking at my credit report today and still seen this inaccurate XXXX XXXX XXXX account. I call XXXX XXXX XXXX  TODAY and they agreed to delete this inaccurate account from my credit report. The XXXX said I should not be responsible for anything about this account t since that account been deleted from their system.
Consumer complaint received 2024-07-06
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 (KS)

On XX/XX/XXXX at XXXX XXXX  I receive a text stating, " Discover, did you attempt to spend {$950.00} at XXXX, XXXX TX? Reply YES or NO.or 1 to decline text messages '' I replied no. The response was " Thanks An agent will be Contacting you shortly. 

Shortly later, I receive a call from a male who stated he was a Discover agent. He asked about the above purchase, and I said that I did not make any purchases at XXXX. He replied that he will send me a code to " void the purchase. '' At XXXX PM, I receive a text stating " Please enter code XXXX to use your Discover card in XXXX XXXX. '' I clearly did not read the text message well at all as I thought I was entering in a code to void the purchase. 

At XXXX PM, I get another text message : " Discover : We just declined {$200.00} at XXXX XXXX. Do you recognize this transaction? '' I replied, " yes '' that I recognized it as I was still on the phone with the discover impersonator, whom I thought was Discover. By saying yes, I was saying " yes I recognize this as the fraudulent charge. '' I was NOT saying that I made the purchase. 

At XXXX PM, I receive another text message " DISCOVER B/K : Did you attempt a {$200.00} at OFFICE-MAX on XX/XX/XXXX? '' I replied " N '' and the response was " Thanks for confirming activity your account has been placed on restriction an agent will contact you shortly. '' I feel incredibly stupid but I fell for a scam. I was at work and was busy and I let my guard down. I thought I was on the phone with a Discover agent who asked me to enter a code to void the purchase ; instead, I gave permission for my card to be used in XXXX XXXX. I then told Discover that I recognized the purchase, though I was saying " yes I recognize it, this is the fraudulent charge! '' In response to the XXXX text, I realize that that was part of the scam. It did not matter that I replied " N '' to them, they already had used my card for XXXX pay. 

I have tried to dispute this with Discover throughout XXXX and XXXX. I have talked with multiple Discover agents to no avail. It went under review and was denied. I then requested a secondary review, which was denied. They are still holding me responsible. I provided screenshots of my text conversations with the impersonator. 

Additionally, not only are they charging me one ( 1 ) {$200.00} XXXX XXXX XXXX purchase, they are charging me XXXX ( 4 ). I would not like it, but I would actually understand if they charged me {$200.00} for XXXX purchase as ultimately I did end up acknowledging that I recognized the purchase. But to pay XXXX {$200.00} purchases is absurd. I did not make XXXX, let alone XXXX, XXXX XXXX XXXX purchases of {$200.00}.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Open Dealer Exchange, LLC (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (TX)

Usc1681 section 202 ( 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 consumers 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
Consumer complaint received 2024-08-04
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. (GA)

The accounts that report on my credit report as Dept OF ED / XXXX account number XXXX- all report the the date of initial delinquency was in the year XXXX. This information has passed the XXXX  year mark for reporting and needs to be deleted immediately as it has aged out of the statue of limitations for reporting.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2024-08-01
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (UT)

XXXX Certainly! Here 's a more convincing version of your case for the CFPB : I am submitting a complaint regarding a dispute filed with Apple Card concerning a transaction with XXXX. I purchased a machine from XXXX, but the software consistently malfunctions despite numerous attempts to resolve the issue with them. Apple Card 's decision to side with XXXX was unjust, as they claimed I had agreed to the merchant 's unspecified terms and conditions. However, Apple 's decision lacked clarity and failed to specify which terms and conditions I supposedly agreed to, which were not adequately disclosed at the time of purchase. As a result, I am left with a defective machine that XXXX refuses to support, despite their advertised warranty of up to 2 years on their website. 

This situation has caused significant financial and operational disruption, and I believe Apple Card 's decision overlooks my rights as a consumer under fair dispute resolution practices. I have diligently attempted to resolve this matter directly with both Apple Card and XXXX to no avail, and I now seek the CFPB 's assistance in achieving a fair resolution to this dispute. 

Thank you for your attention to this matter. I am prepared to provide any necessary documentation and details to support my complaint.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC is claiming an alleged debt owed to them. However, they NEVER provided written notice or proof of ownership of debt at any moment. I have disputed this issue with both credit bureaus as well as Collection agency. This account was not left in bad standings, and the debt mentioned by the collection agency is completely wrong and invalid, as all debts were paid. I am requesting the ORIGINAL PURCHASE AGREEMENT with the exact amount allegedly owed, guaranteed by the original creditor. A bank statement from an original creditor is NOT proof that the debt is still currently owed. I have requested this information from the collection agency and they have refused to provide it. I have also received a call from another credit collection agency trying to collect on this same debt.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Equifax XXXX  & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXX You are reporting Purchased by another lender _ paid in full / was a charge off However Equifax & XXXX  DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
Equifax You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX . their is no modification inaccurate information. 
XXXX & XXXX Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate Equifax is showing
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One XXXX on XX/XX/XXXX. They do not have anything based off my social security number. The agent advised me to submit a hand written letter stating the issue. I will be doing that today certified mail. The hard inquiry made on XX/XX/XXXX is showing on XXXX and XXXX per XXXX. I did not make any inquiries nor did I apply for anything new. I was actually out of state when this occurred. My info was recently compromised because of XXXX & XXXX 's data breach. I was notified that I was one of the customers affected.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

I am contacting you regarding a troubling issue with my credit file. I've noticed a collection entry from your agency that I was not previously notified about. Moreover, I have significant concerns about the legitimacy of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I am formally asking you to provide the necessary validation and take steps to resolve this matter.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I have a sapphire chase credit card I made a purchase from XXXX from XXXX XXXXXXXX XXXX XXXX I order products from them worth XXXX The products they sent were damaged I opened a dispute with chase and they submitted the documents they wanted and they mislead you with different information and they closed my case and sided with them I will never do business with them
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report is showing a Collection from XXXX XXXXXXXX XXXX  on my TRANSUNION and XXXX and XXXX account, which was sold to XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title