davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted "
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (DE)

I do not have a signed contract with this company. I'm requesting they see validation of debt sending a statement with paid or unpaid dollar amounts is not validation. I'm requesting a signed signature stating I owe XXXX XXXX XXXX this alleged amount that they placed on my consumer report without my permissible purpose which is a violation of my consumer rights I also believe this whole thing is fraud the dollar amount that they're requesting from me please provide purchase / forward flow agreement of this alleged debt.
Consumer complaint received 2024-02-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/year>, I called the number on the gift card and followed their instructions to send a letter with the enclosures mentioned to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The company still has not responded and it's been over 30 days. They have essentially stolen {$100.00} from our family. 

Cardholder Services : My brother gave this XXXX XXXX XXXX to my XXXX, NAME REMOVED, for XXXX. She is a XXXX. She attempted to use this gift card it to make a purchase on XXXX. For whatever reason, XXXX treated the gift card as though it was fraud and did not charge the purchase to this gift card. Instead XXXX charged my husbands default payment method. Now the gift card has been inactivated and our family is at a loss of the {$100.00} my brother paid for the gift card. 

Attached are images of the gift card, the XXXX transaction information, and my Drivers License. 

Please re-activate and register this gift card to my name and address above, send me a new card worth {$100.00}, or refund our familys purchase of this gift card via check made payable to me, delivered to my address above.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Kindly examine the enclosed documents. I am urging the bureau to commence an investigation into these accounts where I have always been on time, but they are erroneously marking me as late.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX  without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " 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 ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Consumer complaint received 2024-05-06
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2023-06-23
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2024-05-06
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. (MS)

I originally reached out to the creditors on XX/XX/year> asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (CA)

hi, citi bank illegally hold up my company 's money for three months. At the beginning, the account was frozen and I was trying to recover this, after I confirmed with them the form was correctly filled out, and mailed to them. Citi said they delete my signature in their system, so they do not know how to verify it. 

They froze my company 's account illegally, and now refuse to recover the bank account unless I provide the company 's shareholder solution, which is irrelevant to the bank account. I asked citi to give me laws and regulations, why in order to recover my company bank account, I need to provide board resolution of the company 's parent company? they do not give me any laws/regulations. 

I can not pay my employees, my suppliers because of this, my employees sue me and my suppliers are chasing me. I had a huge financial and business loss, and citi do not care.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (CA)

I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (AZ)

I sent {$1900.00} on XX/XX/year> through XXXX to my inlaw to do some work for me in XXXX. I received a confirmation message on XX/XX/year> that the money was in the recipient 's account. However, the recipient went to the bank and was told by the bank that the money was not in his account. I called XXXX and complained and they told me to send the recipient 's bank statement to verify he never received the money and to either refund the money to me or ensure it is available in the recipient 's account. I provided the bank statement to XXXX more than two weeks ago, and each time I called them they told me they had expedited my case and it would be resolved within 48 hours but it has taken more than two weeks and XXXX never got back to me, and I have suffered some financial loss because of their delay. I need the money either delivered to the recipient, or refunded to my account without further delay, and I need to be compensated for their delay.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (GA)

I requested my original loan contract and statements for a loan that i took out with Marcus GoldmanSachs from date of dispersal up to XX/XX/XXXX by phone early XXXX, where I was told they don't have that documentation, and by priority mail post dated XX/XX/XXXX. I was never contacted back an have not received any documents as of XX/XX/XXXX. I also called the loan servicing forwarded number and spoke with several XXXX customer service reps who also denied me the very same documents. I sent them the same request for documents by priority mail the same day i sent the letter to the bank and for some reason that letter is sitting in MO for more than XXXX weeks. The reps over the phone for both the bank and servicing company said they don't have my records from the original contract up until XX/XX/XXXX. I can not assume the servicing company won't respond but as of XX/XX/XXXX the letter sits in a post office awaiting pickup. It's over XXXX weeks now.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/, I made a payment to XXXX XXXX XXXX for my son 's XXXX. It was on time. I then got a notice a few weeks later that my payment was delinquent and I was charged a penalty. I disputed the failure of the payment. Barclay Mastercard charged me. XXXX XXXX did not post my payment to them. Where is my money : {$340.00}? Both companies deny any accountability and keep referring me back to the other company. 

I can not get them to give me any bank records to show that XXXX can confirm their payment to XXXX was effective. I can not get and bank records to show that XXXX did receive the money. 

I had to make a double payment because the first payment was not posted by XXXX XXXX XXXX. Can you help me. Where is my XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio recovery associates are attending to collect an alleged date on a consumer that resides in a state that They do not have the licensing to do so. I being a XXXX resident Reside outside of the jurisdiction of portfolio recovery associates. In an attempt to collect this alleged debt they have chosen to furnish this information onto my consumer report relating to this debt. Even the reporting of this alleged dead has several and accuracies collection account is reporting as past due, which does not make any sense if they have purchased the rights legally to this debt it would have already have been past due at the moment of their purchase, so why would it be reported as past due? This is a closed collection account correct? This alleged debt is a collection how Would a collection account have a one month term as far repayment if the account was purchased after it had already been closed. I am requesting that this information be removed from my consumer report effective immediately as this collection company does not even have the right to attempt to collect a debt from me, I have never conducted any business with this company, including agreeing to an alleged debt collection nor have I ever given them permission to furnish, any information on my behalf This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-05-15
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. (PA)

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 2024-05-06
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. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit XXXX, Equifax, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-19
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. (SC)

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over 4months ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.
Consumer complaint received 2024-05-06
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. (CT)

In accordance to the Fair Credit Reporting Act, This creditor has violated my rights. Under 15USC 1681 SECTION XXXX states I have the right to privacy. 15USC 1681 SECTION XXXX SECTION XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.