davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion is willfully reporting inaccurate information that violates XXXX XXXX XXXX XXXX. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, TransUnion has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation to ensure the accuracy of the information they report ( XXXX XXXX. XXXX ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, TransUnion 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

TransUnion 's actions not only violate federal law but also undermine the protections intended by XXXX Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. 

I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by TransUnion 's reckless and unlawful behavior.
Consumer complaint received 2024-05-24
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-25
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: Foursight Holding LLC (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They closed all of my accounts back in XXXX for no reason. I asked why and they said they had the right to refuse service. I asked for specifics and she was really a XXXX about it and gave me no info. Then a few weeks later they want me to open new accounts, so I do, and now theyve closed them again. I deposited my paychecks and bought gas and they treat me like Im XXXX  XXXX. I had hundreds of dollars of rewards saved and I was planning to use them, they just confiscated them. Ive never missed a payment. I suspect theyre just doing this so they can get me to open new accounts in the future so they can lie to the shareholders about how the company is growing.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (MN)

I have not received any debt validation notices or statements from the original creditor. 
I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. 
I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. 

This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. 

I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc. (TX)

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX XXXX  bill this year. They show I had 3 separate charges incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Recovery Systems, Ltd (TX)

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX bill this year. They show I had charge in XX/XX/2022. I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Consumer complaint received 2024-07-09
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)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXXXXXX, and Equifax.
Consumer complaint received 2024-06-21
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. (OR)

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the XXXXXXXX XXXX  credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( XXXX XXXX : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TX)

I request a thorough debt validation from XXXX XXXX after explaining to them that I paid XXXX XXXX the full amount and do not owe any debt. They did not send me any debt validation. From the attachment you will be able to review what was sent. They show XXXX line item of what they claim I owe, but they are unable to show my past charges and my pas payments that I made on the account. I also wanted the paper work that I signed at the office and they were unable to provide this. 

On the attachment from XXXX XXXX it shows a line item from XX/XX/2023, with a total due of {$85.00}. I have attached a bank statement from a payment that I made in their office on the day of my final office visit where I made a payment of {$340.00} on XX/XX/2023. This is a payment that came out automatically from my debit card. 

This is the main reason I wanted to get all of my past charges and payments from XXXX XXXX and XXXX XXXX before moving forward. I believe based on how it looks that they are double charging and have done so multiple times in the past. It looks as if they charged my insurance, then charged me, but did not put my payments in the books at all. This would be fraudulent. I would appreciate if they can send me an itemized list of all of my past payment history so I can audit and make sure everything lines up with my insurance and bank statements. 

To conclude what they sent me is not a debt validation, and you can review this from the attached document. I would like the original documents from XXXX XXXX so I can audit and verify the information.
Consumer complaint received 2024-05-24
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. (NV)

Credit bureaus did not respond ay all and according to FCRA in the first request they are suppose to in 15 days which they chose to ignore see request below. 

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Consumer complaint received 2024-05-24
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. (WI)

When I went to view my credit report, I noticed that I had multiple accounts on my consumers report that were fraudulent. I've never heard of any of these companies at all and i have never given anybody my information. Who are these companies? 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I request validation of such debit with competent evidence that I have any obligation to pay you. 

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgement if applicable ; -Identify the original creditor ; -Prove that Statue of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent.
Consumer complaint received 2024-06-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC (MD)

IN XXXX MY IDENTITY WAS STOLEN. A FAMILY MEMBER CAME INTO OUR HOME IM NOT SURE ABOUT WHICH ONE WHO DID IT. MY SOCIAL SECURITY CARD ALONG WITH MY BIRTH CERTIFICATE AND ID WAS STOLEN, ALONG WITH MY DAUGHTERS. I REPORTED THE STOLEN BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS TO THE IRS AS SOON AS I NOTICED THEY WERE MISSING I HAVE PROOF I HAVE A COPY OF THE REPORT. I HAVE BEEN TRYING TO CLOSE THIS REPORT WITH XXXX AND THEY ARE FIGHTING ME TO DO SO. I HAVE FILED A POLICE REPORT AS WELL. I NEED TO HAVE THIS REMOVED OFF OF MY CREDIT BECAUSE I HAVE NOT DONE THIS ACCOUNT. IF THIS DOES NOT GET REMOVED I WILL HAVE TO TAKE FURTHER LEGAL ACTION.
Consumer complaint received 2024-05-24
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. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (AK)

My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation (NY)

Car loan was paid off on XX/XX/2023 and i have yet to receive a XXXX release letter from the company by which in accordance with Section XXXX of the New York Vehicle and Traffic Law specifically states : Upon the satisfaction of a security interest in a vehicle the XXXX holder shall immediately upon clearance of payment execute a release of his security interest in a manner prescribed by the commissioner and mail or deliver the release to the owner To avoid being subject to action by the Department, all regulated financial institutions financing motor vehicles sales shall release liens and deliver the XXXX release no later than XXXX business days after clearance of payment. 

Also i am owed a refund for overpayment but i keep being told it can take XXXX weeks which makes no sense as the agents i spoke with kept saying its backed up? What's backed up? Printing checks?