davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NJ)

Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. 

I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1 Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2 Opt-In Documentation : As required by GLBA, I request documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information. This includes any initial notices provided to me at the establishment of the customer relationship.

3 Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4 Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information. 


Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANKERS HEALTHCARE GROUP LLC (WA)

Company is making accusations of intentional misrepresentation against me XXXX of plaintiff ] claims that [ name of defendant ] made a falserepresentation that harmed [ him/her/nonbinary pronoun/it ]. To establishthis claim, [ name of plaintiff ] must prove all of the XXXX. That [ name of defendant ] represented to [ name of plaintiff ] that afact was true ; XXXX. That [ name of defendant ] XXXX representation was false ; XXXX. That [ name of defendant ] knew that the representation was falsewhen [ he/she/nonbinary pronoun ] made it, or that [ he/she/nonbinary pronoun ] made the representation recklessly andwithout regard for its truth ; XXXX. That [ name of defendant ] intended that [ name of plaintiff ] rely onthe representation ; XXXX. That [ name of plaintiff ] reasonably relied on [ name of defendant ] srepresentation ; XXXX. That [ name of plaintiff ] was harmed ; XXXX. That [ name of plaintiff ] XXXX reliance on [ name of defendant ] srepresentation was a substantial factor in causing [ his/her/nonbinary pronoun/its ] harm As the defendant I had no intent that the plaintiff rely on the data provided to approve a loan in general. I attempted to communicate things about my family and that we had discussed renovations to housing. 

The defendant is involved in intentional misrepresentation as they are failing to implement XXXX reasonable accommodations and do not have a process for loan approval for XXXX people despite their company being advertised as a healthcare group.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-11-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am submitting a complaint due to predatory loan from Credit Acceptance when I purchased a used vehicle through the lender Credit Acceptance. The truck was a XXXX  set at XXXX USD sell cost. My APR on vehicle was 24 %. That was a really highly inflated principle balance which doubled.
Consumer complaint received 2023-12-14
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. (PA)

I have been disputing a XXXX XXXX account on my credit file with expierian for a long time now and they have not yet to delete this from my credit file I've submitted documents stating that account is fraud from the account company and they have yet to delete this from my credit I've spoken to XXXX they say the account was closed for fraud other say they are investigating and I don't know hat to believe I know this is not mine and I need it off my report I've never even seen a card from these people it's ridiculous
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 2024-05-26
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MO)

On XX/XX/year>, I submitted a complaint to the CFPB in regards to CAINE & WEINER XXXX INC.s adverse reporting on my credit report. The CFPB complaint ID is : XXXX. 

On XX/XX/year>, CAINE & WEINER , INC. responded in compliance with my claim and expedited removal of the entries. 

Removal of the entries was not my only demand. Pursuant to XXXX, I am entitled to fine CAINE & WEINER , INCXXXX {$1000.00} per entry. Their entire entry included XXXX negative months of reporting. That totals {$26000.00} in fines that I am authorized to collect from them. 

After many calls and messages left to the CAINE & WEINER XXXX INC. compliance department, I finally was received by a representative. During that call, I was informed that CAINE & WEINER XXXX INC. would not submit to the lawful fines imposed. They would not send me any written notice of this neither.

I ask that the CFPB assist in enforcing the lawful measures I have presented and help bring CAINE & WEINER , INC. in to honor by honoring the obligation that they are bound to by law.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

In accordance with th

e Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate.
This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrect.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify is accurate : XXXX Acct # XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/year> money was taken out of my checking account multiple times. One for the amount of {$320.00}, {$390.00}, {$340.00}, {$93.00}, and {$50.00}. The transactions were from " XXXX ''. I called XXXX and told them I did not authorize any of those transactions and they said they did not show any money was taken out from my account from their end and so the transactions must be fraudulent. I called chase my bank and told them about the situation and that my account might be compromised. They deactivated my card and told me I need to open up a claim to get my money back, and so I did. Chase spent days " investigating '' they charges and came to the conclusion that the transactions were authorized, they said because I do business with XXXX the transactions must have been authorized. This makes no sense to me. I sent chase an email I received from XXXX  saying that those transactions were not authorized and still they refuse to reimburse me my money. I called XXXX and they said because these transactions do not show up anywhere on my accounts with them they can not help me. I am a member of the united states XXXX and am looking for help. This creates financial hardship in my family and is putting me under great stress, please help me.
Consumer complaint received 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CT)

I have been trying to dispute my affirm account for over XXXX years now. My affirm account was used illegally to purchase things I wasnt aware of until I tried to make an account of my own and see there is a charge off loan under my name. I was a victim of identity theft which was disputed and confirmed by XXXX but Ive been trying to endlessly contact affirm for a follow up and they refuse to be of assistance or help. They keep saying they will investigate and they have not done so. I am on my XXXX try.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-08
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. (FL)

This account was charged off on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- XXXX
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Remex Inc, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Remex Inc , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Remex Inc, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Remex Inc , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (MS)

XX/XX/year> {$15000.00} Dont not exact amount? THIS COMPANY DID NOT WANT TO WORK WITH ME TO MAKE AN PAYMENT ARRANGEMENT THEY TOLD ME THAT MY ACCOUNT HAD MATURED AND I HAVE TO PAY ALL OF IT UP FRONT. I HAD TO NEGOTIATE WITH THEM EVERY MONTH OVER 90 DAYS TO COME UP WITH A SETTLEMENT THEY STILL CHARGE OFF THE ACCOUNT PUTTING ME IN A NEGATIVE / BAD STATUS.
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: EQUIFAX, INC. (AZ)

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. 

Equifax XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Employers : XXXX XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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: EQUIFAX, INC. (PR)

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 2024-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

XXXX sent me a email on XX/XX/year> saying that both of my savings accounts violated the terms and decided to close immediately. I called twice to discuss what is happening and what will happen to my {$XXXX} deposited in the bank. However their customer team mentioned theres nothing I can do. When I asked when they will send a mail detailing the next steps, they threatened me that they cant help me and hung up.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$1100.00} The information is incorrect identity was stolen I request documents that has my id with my face showing its my account and used my ID to get this account this is illegal debt parking under the fair debt collection practice act and passive debt collection. 
This was disputed after taking off as it do not belong to me nor did I ever have account. They waited month or two and added it back to my account I after put in a complaint with CFPB about this and while waiting for response this account keeps going up higher and higher dollar amount. Its now been over a year decided to do another complaint as again it is not mines and do not belong to me and shouldnt be forced to pay for something that isnt mines and a company that cant prove its mines only have my name however I also made police report and sent it in to CFPB. This is account that do not belong to me. Please dispute, delete this account from my credit, all bureaus not fair and against the law to share information and buy peoples information after demand payment