davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.2. Account : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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.

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

spoke with XXXX trying to get multiple incorrect addresses removed off my file to only have my current information on my file. She refused to remove any address associated with an account, stated their system wouldnt allow them to remove the addresses even though the law states that there is only accurate information to be furnished on my report this company is knowingly reporting false and inaccurate information to my report. They are in direct violation of my consumer rights.
Consumer complaint received 2024-08-24
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: Experian Information Solutions Inc. (AZ)

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 2024-08-28
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-06-28
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. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
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: EQUIFAX, INC. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (KY)

Duplicate charges and holds for a single purchase of {$30.00} gas. I was charged an additional {$170.00} hold. Filed a complaint to Cash App and proved by attached letter from the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. The attached clarification presented to Cash App clearly shows the store owner does not put a hold on cards for fuel purchases. The allegations that they did it for the store owner was false and verified the store is not responsible for the hold. 
I am dealing with XXXX separate holds placed by Cash App for a single {$30.00} fuel purchase : XXXX. A {$170.00} hold, which appears to be an excessive or unauthorized hold. 
XXXX. A {$30.00} hold, corresponding to the actual amount of the fuel XXXX an additional amount of {$170.00} in addition to the {$30.00} could be seen as an unfair or deceptive practice, especially since I have proven that the store owner does not place such holds on credit cards for fuel purchases. 
Unjust XXXX : By placing multiple holds, Cash App might be benefiting from users inaccessible funds without proper authorization. 
XXXX XXXX or XXXX Practices : If Cash App systematically places excessive or duplicate holds on accounts for small transactions, it may violate consumer protection laws.
Consumer complaint received 2024-08-24
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. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX- Account # XXXX This account has multiple inaccuracies and is reflecting negatively on my XXXX credit report, This account does not belong to me and should not be reporting on my credit file, I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 
Please DELETE for inaccuracies! 

*XXXX- Account # XXXX Is reflecting negatively on my XXXX, EXPERIAN, and XXXX credit reports.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 

*XXXX- Account # XXXX  This account reflects a DEROGATORY status on my XXXX credit report and this account has never been late and has always been paid up to date. Please UPDATE this account to a positive status. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2024-08-30
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. (TN)

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-07-01
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)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

I have perfect credit. Because I've had my identity stolen by hackers, there's a special status on my credit report that requires extra verification when I apply for a new account. In practice, some banks and credit cards handle this smoothly, and others just reject my application outright. I am very disappointed to learn that EverBank is one of the latter. It makes me feel like a victim all over again.
Consumer complaint received 2024-08-30
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. (PA)

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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

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

I demand the late payment reported to be removed.

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

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

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (SC)

XX/XX/24 - both a hard and soft inquiry hit my XXXX report from Synovus Bank XX/XX/24- I disputed the inquiry with XXXX XX/XX/24- XXXX returned the dispute stating : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted Synovus Bank. After about an hour on the phone pushing for a reasonable investigation, I was told that someone came into a local branch on XX/XX/24 and used my information to request a credit line, resulting in the inquiry on XX/XX/24. I was initially and repeatedly told that they had no records until I mentioned filing a CFPB complaint. It is disheartening that an lesser informed consumer would have been brushed off when told that " a line of credit wasn't opened, so you should be fine. '' They could not provide any further information regarding the inquiry, nor did they agree it should be cleared from my report. I was told that a local branch banker would contact me to follow up.
Consumer complaint received 2021-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NV)

OnXX/XX/XXXXMy XXXX XXXXXXXX XXXX was totaled in an accident that was the other drivers fault, my insurance company XXXX paid the value of my vehicle leaving portion remaining to my Gap Insurance Purchased at the time I financed my car from XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Nevada. Finance With Credit Acceptance. I have sent all documentation requested by Credit Acceptance Finance and they have yet to settle the claim. I purchased the Gap Insurance and when asked to discuss this insurance i am transferred to a representative that does not even have an insurance license to discuss the matter of the policy. Credit Acceptance continues to report a late payment on a totaled vehicle they will not cover, or charge off purposely causing harm, as their bogus GAP insurance does.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. Account name and number 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX XXXX Account # XXXX. 
5. XXXX Account # XXXX 6. XXXXXXXX XXXX XXXX Account # XXXX 7. XXXX XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX Account # XXXX 10. XXXX Account # XXXX XXXX. XXXX Account # 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 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, 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 2024-07-18
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. (NY)

I never gave permission to these companies to inquire about my credit report, it is really worrisome that they accessed my report without my permission which is a very clear violation of my rights. This is really frustrating and it's making me very anxious.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. ()

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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 2022-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

My Dick 's Sporting Goods credit card had its credit limit lowered without the required notification. There is no notice on the statement nor did I receive any notice in the mail advising that my credit limit was going to be decreased from {$1500.00} to {$790.00}. This was embarrassing today when I went to use my card at the Dicks Sporting Goods store at the XXXX XXXX, VA location. I was not aware of this change and so had a purchase, that I needed to make, not approved because of the lower credit limit. They lowered my limit to just {$25.00} over my current balance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Sworn Statement Regarding Debt Collection by XXXX XXXX XXXX I, XXXX XXXX, state the following : XXXX XXXX XXXX has been trying to collect a debt on a credit card account originally with XXXX XXXX XXXX XXXX. This account was opened due to identity theft. They wrongfully placed a collection on my credit report, even after speaking with me and confirming that I am not the owner of the account and had no knowledge of it. I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which offers protection to victims of identity theft, and Section 623, which outlines the duties of those who furnish information to credit reporting agencies. 

Additionally, I have never signed any contracts or conducted any business with this debt collector, so they have no legitimate reason to possess or use my personal information. 

I am requesting that this incorrect and damaging collection be removed from my credit report immediately. 

I swear under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge.