davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution.

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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA 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.
Consumer complaint received 2024-07-18
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. (GA)

I would like to follow up regarding several inaccuracies on my credit report, including multiple late openings and public record, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening dates, as well as the status of public record. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain late payment. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. So, I am asking for your help to correct the late open and remove these public records : XXXX. XXXX  XXXX XXXX Balance Owed : {$2200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX  XXXX XXXX Balance Owed : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-07-14
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. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.
Consumer complaint received 2023-12-05
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. (GA)

I did not give consent or authorize the following inquiries on my credit report : By obtaining my Equifax consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX XXXX  or both. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-05
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. (MD)

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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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.

has violated my rights. Or a list of inquiries : 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 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (FL)

I got a phone call at XXXX XXXX XXXX at night and they did not leave a voicemail. When I call back it says there closed for the holiday, Why are they calling people the day after XXXX but then I cant call them back to verify what the debt is about. I also did not receive a email stating what its about and when I go to the website link given and put my information in it does not work it keeps saying those are not the valid credentials! So there calling me and not explaining what it is about and when I call them back during normal business hours it says they are closed and they did not leave a voicemail and there website does not work! Its ridiculous I will not be contacted on my private number by a debt collector at this time of night and then not know what its about caused me to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
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. (PR)

I have tried several times to informed them that the Transunion and the XXXX credit reports information of creditor XXXX  XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.
Consumer complaint received 2024-07-30
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. (TX)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANCO POPULAR DE PUERTO RICO (PR)

My father have a problem with Popular Bank in Puerto Rico. 
My father is XXXX years old, Im his daughter and I suggest to him to open the MyBank app to make his payments, to avoid the process of going to the bank due to the covid situation. Sou, the problem is when I check his accounts, I see some transactions with the name of XXXX, in total 5 transactions in 1 month with the total of {$1300.00}. In-authorize transactions ( the bank at no time call and inform about the transaction with the client ). Sou I decide to investigate, since when my father have this transactions. Since XXXX XXXX my father have this trouble, in total 14 transactions with a total of {$1600.00}. 
XXXX XXXX {$29.00} XXXX XXXX {$18.00} XXXX XXXX {$70.00} XX/XX/XXXX {$7.00} XXXX XXXX {$25.00} XXXX XXXX {$12.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$400.00} XXXX XXXX {$240.00} XXXX XXXX I call the customer service and communicate with fraud department to make a complain and open the process to investigate the situation. The person I spoke with, told me that even if I submitted the claim for 14 transactions, if they determined in the investigation process that if was a fraud they would me refund my dads money 60 days before the day of my claim. I waited for the bank to finish its investigation and the determined they will only return the amount of {$29.00} that was the first transactions, since 13 transactions pass 60 from the first incident. XXXX XXXX I call the bank again to receive and explication about this, and the customer service and the fraud department dont give me and answer. I decide to contact to see if there is any solution to this problem. My father has had all his accounts with Banco Popular ( mortgage, business account, savings account, auto loan ) for years and is not fair that his is treated like that. 
The reclamation number XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back. 

The constant denials have left me feeling hopeless and increasingly depressed. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.
Consumer complaint received 2024-07-30
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. (NC)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX Balance : {$910.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (CO)

RE : Acct # XXXX, Amount in Dispute : {$15000.00} Debt Validation Letter XXXX XXXX REQUEST FOR DEBT VERIFICATION From XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom This May Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt. Charge off 's 15 U.S code 1601 prior complaint XXXX
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (PR)

Dear Consumer Financial Protection Bureau Official, Red :  XXXX with American Express I submitted a credit application for an American Express credit card. On three occasions they called me by phone indicating that I should send documents to validate my address. On three occasions I sent a copies of recent personal documents such as a receipt for the water bill, a receipt for the electricity bill, and a receipt for the internet bill. In all of these documents my address was fully verified. However, they were again demanding more documents to make a decision. I have been in this direction for more than 15 years and I have an excellent credit history and I have an empirical of more than XXXX points. 

I have Credit cards from XXXX XXXX, XXXX and others principal US baos for many years, all in good standing. 


I am sure that this is a situation of pure discrimination because of my XXXX  condition.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I graduated from XXXX XXXX XXXX XXXX  with a XXXX XXXX  in XXXX XXXX in XXXX of XXXX. I have two federal student loans of {$20.00} that were taken out for this degree. I previously had taken out additional federal student loans to attend law school from XXXX to XXXX. I started to make payments in XXXX of XXXX  on my law student loans. However, my student loan servicer aidVantage informed me in XX/XX/XXXX that my XXXX loans were now due as well because their records indicated that I was no longer a student since early XXXX of XXXX. This is not true. I was enrolled all the way through my dissertation and graduation in XXXX of XXXX. I wrote to them and emailed them about this mistake. I also contacted my school, and they went ahead and made sure the records reflected that I was still an active student. After a few weeks, aidVantage saw the mistake and corrected the error and place when as an XXXX  XXXX. I thought that was the end of the problem. Unfortunately, this issue was brought up again this month. 

In early XXXX, I received a change in my monthly student loan charge without explanation. It turns out that aidVantage went ahead and once again said that my deferment was over since " their records '' indicated that I left school in XXXX of XXXX and that my XXXX loan payments were not due. I contacted them by phone but to no avail. I emailed them and got no response. Finally, I wrote them a letter that included my transcripts showing that I recently graduated, and I included the past emails earlier in XXXX showing that this mistake had been clarify. Again, I received no response. Due to the short time and lack of explanation, I went ahead and made a payment on this new student loan amount to protect my credit score. 

I received an email on XX/XX/XXXX, from aidVantage stating that they were responding to my email and instead of apologizing or asking for documents to correct they basically restated the same incorrect information ignoring the evidence and facts I and the school had provided them. They ask me to contact the school and for them to update records. In short, the people working at aidVantage either did not review my case or simply decided that they are in the right and want to collect regardless of the law.
Consumer complaint received 2023-12-05
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. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 cons
umer 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-13
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)

In a previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) I indicated that Equifax is reporting an account with : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX As a consumer I requested that Equifax investigate and re-investigate this account as I have know knowledge of it. As you know, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Recently, Equifax sent my dispute results and indicated that " the disputed item is currently not reporting on my Equifax Credit File ( see attachment : Equifax-Dispute Result XXXX XXXX XXXXXXXX ). However on my most recent Credit Report dated XXXX, XXXX XXXX XXXX ( CLOSED ) XXXX # # is showing on my credit report ( see attachment : EquifaxXXXXXXXX XXXX XXXX  ). Equifax has neglected to investigate this dispute properly, and is in violation according to the Fair Credit Reporting Act.
Consumer complaint received 2024-05-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-06
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. (SC)

In accordance with the Fair Credit Reporting act XXXX, Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights.

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
Consumer complaint received 2023-11-07
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX