davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (FL)

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

On XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX you furnished my consumer report without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Insert CRA that inquiry is on here } consumer report on { Insert Date,XXXX } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Be advised the advisory opinion of BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).

This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 

So why was a consumer report furnished to XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX without a permissible purpose or legitimate business reason?
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

Dear Amex It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX rights reserved 2024
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed CFPB complaint XXXX  on XXXX XX/XX/XXXX  regarding a the reporting of a private student loan account with XXXX with Transunion. Transunion reports receiving the complaint on XXXX XX/XX/. In the complaint, I made clear that XXXX had been sending bills to addresses that I had not lived at in over fifteen ( 15 ) years. I provided documentation that showed the random address changes. I simply asked that the periods over which I was not receiving bills be marked as not reported. On XXXX XX/XX/XXXX XXXX  Transunion responded with : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' I do not need assistance in obtaining a credit report. After pulling my credit files with all three ( 3 ) consumer reporting agencies, I find that the account Transunion alleges not to be on my credit report is indeed STILL reports in my credit file as of XXXX XX/XX/. Transunion did not respond until XXXX XX/XX/, which means their investigation took longer than thirty ( 30 ) days. The information identified needs to be removed. Transunion claims the account/tradeline does not exist in my credit file, but as of XXXX XX/XX/, it does : the derogatory information identified in CFPB complaint XXXX needs to be removed. Overall, Transunion failed to conduct a reasonable investigation, by claiming an account that they are persisting in my credit files does not exist. They have not upheld their duties under the FCRA and thus the derogatory information as identified in CFPB complaint XXXX needs to be removed.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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 2023-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Credit Bureau Systems Inc. was collecting medical bills. They sent me a notice of collection with a website where I could pay. I went to the website and clicked login, login however was for businesses using the service not for the consumer that they were attempting to collect. so i clicked pay bill which gave a disclaimer and then a page to enter your routing and account number or credit card number. Nowhere did it show you what you were paying or confirm that you were paying bills you owed. i called the customer service number and requested a login where they confirmed I don't have one and suggested I contact the attorney 's office associated with the account. I asked for an itemized bill which I never received. I don't think it is fair collection practice to not show a consumer what they are paying. it seems very unsafe to enter account or credit card information into a website where you have no details on what you are actually committing to pay. This all seems like a fraud to me however, I have since been served with a law suite over this. this seems like a very unfair collection practice and unsafe in this day and age to blindly enter account information without understanding what you are paying
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00} and XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit 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: Google Compare Credit Cards Inc. (TX)

I have emails and chat logs for all digital transactions. 

Original purchase of phone and XXXX XXXX subscription on XX/XX/XXXX using my google store card Monthly fee ~ {$10.00} for XXXX XXXX. 
XX/XX/XXXX : Tried to use XXXX XXXX warranty for a faulty device. 
Warranty states next-day approval and dispatch. 
2 days without approval, contacted support. 
Approved but payment issues persisted. Tried to pay securely, but they were unable. 
Escalated through chat and phone supervisors, still unable to securely process payment. 
Over a week without resolution since warranty invocation. 
Contacted Google Store support, escalated multiple times back to XXXX with no resolution from XXXX. 
Over 2 weeks without a replacement phone, charged another month of XXXX XXXX without service by google store. 
Requesting a full refund for XXXX XXXX payments due to service failure and security concerns as outlined in previouse phone calls and chats with supervisors at XXXX and XXXX. 
22+ days since requesting replacement, still no secure payment option, and unresolved issue. 
Demand immediate replacement of device at no cost or termination of XXXX XXXX service and full refund of all payments for the service across the life of the device going back to original purchase XX/XX/XXXX
Consumer complaint received 2023-04-24
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (IL)

I have been trying to get this late off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NY)

Upgrade does not offer customers the ability to change or increase the amount of their personal credit line automatic monthly payments online.

Considering that all of the other relevant account transactions are completed online, it is a predatory practice to prohibit customers from paying down credit balances sooner by conveniently increasing the monthly autopay amount.

Upgrade sets the monthly payment amount and it fluctuates based upon the credit balance. 

I want to set a higher payment amount and pay more than just the amount due each month. 
I should not have to make an additional payment every month to achieve this goal. 

The customer service representative told me that " Upgrade does not provide the ability for customers to change/increase the amount of their automatic payments. Instead, customers must call and speak with a service agent or make additional payments. '' The Upgrade website should offer this functionality because it is an online bank and this is a common feature that would be used by many customers. 

Upgrade continues to earn more interest every month that a customer can not pay down more of the principal balance and interest on their account.

It is unfair to make it tedious for Upgrade customers to change/increase their auto payment amount.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (IL)

I been having problems with my card.com card & account I find out after trying to use my debit card at the atm card.com disabled it soon as my refund of XXXX from the irs deposited into my account XXXX, XXXX XXXX also no one noticed me of this an still hasnt I had to call an still do the support email is a joke they dont communicate to you at all! I had to call an see why I couldnt see my account or use my card I called to see what going on an the customer support agent said they needed documents to verify my identity for my money that came from the irs so I provided that, I gave them pictures of my ssn my id, letter with proof of my current address on file because my id card has my old address not my current address they asked for 48 business hours to verify that information I send over once again then I call back 48 business hrs later as the timeframe asked an they said now they needed my letter to have an date on the letter for it to be current of the month an pictures of my 10-99 or 10-40 form I provided everything still no update or nothing on my account my refund is a very serious amount this has been going since XX/XX/XXXX i been contacting them everyday and night by phone and email Im late on bills an will be on the streets by XX/XX/XXXX because of card.com
Consumer complaint received 2024-04-17
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. (NC)

PLEASE DELETE THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA recently updated their electronic platform and ever since, I have experienced issues with them not auto deducting my monthly payment. They keep on telling me that it has been handled and it has not. I waste approx. 1-2 hours of my time over the phone each month trying to resolve. Recently, I asked to speak to a supervisor but they make it very difficult to get one on the line, yet I have not spoken to one. 
I received threatening letters stating that my information has been forwarded to a debt collector and possibly damaging my credit score. 
I asked if they can forward my account to their technical team to troubleshoot the error and they tell me that they do not have a team that is able to troubleshoot this auto pay glitch. 
Maybe because they do not want to discount people the 0.25 % when auto pay is setup? It is unbelievable that our government lets a company like MOHELA overlook loans, they do not know what they're doing! 
This is my second complaint. The first complaint was because they did not apply my funds properly and they make it very confusing so you are unable to make sure that all your funds are being applied properly.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AIH Receivables Management Inc. (MO)

My compliant is that the XXXX XXXX XXXX XXXXXXXX XXXX sent my account ( all of my XXXX ) to AIH Receivables XXXX XXXX, XXXX XXXX XXXXXXXX XXXX KS XXXXXXXX XXXX  which mailed me a letter dated XX/XX/year>. It states that I have dept to XXXX in the total amount of {$790.00}. When I called AIH, which was today, a month later ( I didn't check open the mail for several weeks ), I dialed XXXX and spoke with XXXX. She said XXXX had made a mistake and sent a bunch of reports to people and then pulled them back. 

XXXX. It is egregious that the XXXX XXXX XXXX XXXX XXXXXXXX did not send a letter to all of these patients to apologize and to direct us to disregard. 
XXXX. It is also unacceptable that AIH also did not send a letter to us, with apologies and a direction to disregard. 
XXXX. Given that it took me a month ( I called today, XX/XX/year> ) to address this, what happened to the XXXX  number of people who are better at checking their mail? Did they pay money they did not owe? What did that do to their financial situation? 
XXXX. Were all of us reported as delinquent and did that negatively affect our credit? 
XXXX. After she told me I didn't actually owe any money, that was allXXXX I had to specifically ask for a letter that states I do not owe them money. Here was another opportunity for the company to do the right thing- it should be automatically offered. 

Note : She agreed immediately to do this, and she was very pleasant. It is not her fault. She is simply an employee. It should be a standard part of protocol for them to offer a letter if someone calls in. Part of training.
Consumer complaint received 2024-02-29
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. (CA)

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 2024-02-29
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)

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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.