davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (MD)

I opened an account with Affirm back in XX/XX/XXXX and have paid the account within a timely manner. However, as of XX/XX/XXXX, every time I attempt to use the account, I receive a letter stating that I am being declined due to an " outstanding external debt with their partnered bank. '' I have called on several occasions and I have also asked for clarification regarding this alleged outstanding external debt to no avail. 
To my knowledge, I don't have any external debts with XXXXXXXX XXXX. I keep inquiring about this issue to no avail. I would like to know if I owe an outstanding debt with their partnered bank, and what is the information.
Consumer complaint received 2024-07-18
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. (TX)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2023-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We drew our HELOC in XXXX. First interest payment was due XXXX. Old bank account was linked to Citizens and payment failed. I called to ask for help getting new payment method set up and payment submitted. They helped me set up autopay, not to cover the now late payment. 

Got a notice it was overdue - husband called on XX/XX/XXXX and gave new bank account information and submitted payment verbally. 

Got a notice on XX/XX/XXXX that didnt go through. Spent 90 minutes on the phone with customer service over 4 separate phone calls including : XXXX different stories on why payment on XX/XX/XXXX didn't go through ( bank account closed, bad account number given, improperly submitted online ) all of which they later acknowledged weren't true refusal to put us through to a manager Attempt at convincing us to NOT request the tapes for our prior phone calls inability to explain how we now owe over {$1400.00} in interest payments on a {$900.00} payment. Couldn't explain rate, when it accrued etc. 

This seems like they are tryin to get us to miss a payment so they can charge us unfair and exceptionally high interest rates.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/XXXX I received a judgment against me in the amount of XXXX for failure to pay an old debt ( I believe a credit card ). I unfortunately left this go thinking it would eventually go away, but in XX/XX/XXXX the company ( Cach LLC ) that filed the judgment, garnished my bank account in the amount of XXXX and at that point I decided I needed to take action to clear the debt so in XX/XX/XXXX, I entered into an agreement with their, then debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to make an initial payment of XXXX and then 29 payments in the amount of XXXX with a final payment in the amount of XXXX. At the time of the repayment agreement, I was informed the amount to be paid would be XXXX. These payments were to automatically be debited from my bank account. The payments initiated and after the first 3 months, stopped. On XX/XX/XXXX a letter was sent to me from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating that Cach LLC ( the creditor ) placed my collection with this new law office but would honor my existing payment arrangement if I would contact them, which I did on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who transferred me to XXXX XXXX who set up a new payment arrangement for me to pay XXXX each month for 24 months to pay the then current balance of XXXX. My account was finally paid in full in XXXX of XXXX. Upon request, I received a letter from XXXX XXXX XXXX, who was then the current collection agency, dated XX/XX/XXXX, stating my account was paid in full. That letter states that I paid a total amount of XXXX ( which is way more than the original amount being collected ). The letter also states that I can use it as a receipt for use with future credit inquiries, which I received in XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another collection agency retained by Cach LLC. This letter states I owe XXXX on the account for which I have a letter stating the account was paid in full. I called XXXX XXXX XXXX XXXX. on XX/XX/XXXX and was told to fax that paid in full letter to them which I did on XX/XX/XXXX at XXXX. On XX/XX/XXXX, Resurgent Capital Services sent me two letters stating they reviewed my claim regarding previous payments made on the account and after review they were unable to validate my claim. I am not sure if this is yet another collection agency retained by Cach LLC but I now feel as if they are harassing me and I am not sure why a paid in full letter would not be enough to validate my claim. I have paid way more to these collections agencies for this account than owed and I have not been able to settle this matter with Cach LLC through their many collection agencies, at no fault of my own. I have overpaid this creditor and they still keep coming after me stating I owe them more.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Duty pursuant to the Federal Credit Reporting Agency, it is EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting incorrectly for my total balances Experian claims that I have {$140000.00} in overall debt. That is wrong. XXXX XXXX XXXX show a balance of {$100000.00}. This is incorrect. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. With that said, the reporting of the results of the inaccurate balance in EXPERIAN violated my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate balance on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-01
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. (MI)

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 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 2023-06-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$7300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
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. (LA)

To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Consumer complaint received 2022-11-08
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-01
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. (LA)

To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (AZ)

I am telling them Im opting out from their company reporting on my consumer report and they refuse to comply. 

It doesnt matter if a third company purchased debt, thats their problem. Thats not my responsibility. And the law clearly states my history, experiences nor transactions should be reported On XX/XX/year> Spring Oaks Capital was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2024-05-20
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: Synovus Bank (TX)

The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over 4 months and this account remains. Please see the attached response from the company and please proceed with sending the credit adjustment to the credit bureaus to remove the late payments for account XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I called Early Warning to opt out of their reporting of my personal information and services. I made them aware that I am the Consumer. I assert that I have the right to have assurance that my private information is not shared- which is backed by : 15 USC 6801 ( a ) Privacy obligation policy which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It is also backed by Privacy Act of 1974 ( 5 U.S. Code 552a ) Records maintained on individuals which states ( t ) ( 1 ) Effect of Other Laws.-No agency shall rely on any exemption contained in section 552 of this title to withhold from an individual any record which is otherwise accessible to such individual under the provisions of this section. ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. Early Warning has yet to stop reporting or collecting my personal information. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I wanted to exercise that right and I was refused.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (CT)

A cash advance was fraudulently charged to my credit card, which was investigated by the bank, who honored my claim and removed the charge and all associated fees. However, I later noticed that the same dollar amount was charged to my checking account as a " cash advance '', not a simple withdrawal, without my authorization.
Consumer complaint received 2024-05-01
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. (GA)

Transunion needs to be looked into, I requested the block under 605 ( B ) of the fair credit reporting act. Transunion, denies the request claiming I didn't submit a valid copy of my identification documents, or the FTC report isn't valid, etc. Giving a different reason every time I request that the fraud account be taken down. That is a false statement from Transunion. I have provided a two forms of Identification, a valid identity verification document, a valid FTC report made on the identity theft.gov website, and listed the name and account numbers as request by Transunion, and a cover letter. This agency does not maintain proper procedures to make sure that fraudulent information doesn't slip by them and getting reported on peoples credit report. Their agency have abusive practices by telling people to send in the disputes with the following information and then, telling people that their information is invalid in order to avoid having to due a proper investigation. Please look into this company CFPB. If my disputes continued to be ignored, I will have no choice but to write to the office of the deputy director of the cfpb XXXX XXXX, and foward this complaint along with a civil complaint to the transunion headquarters to address to XXXX XXXX CEO. You have been provided with that you need and this complaint will serve as proof! Thank you for your time.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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.