davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always made timely payments on this account and it is causing me great anxiety to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX mailed me a letter stating {$0.00} Balance XX/XX/year> XXXX, XXXX and TransUnion also XXXX SHOWS INACCURATE INFORMATION!!!!
Consumer complaint received 2023-06-07
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. (KS)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received my credit report from XXXX, Equifax, and XXXX after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called XXXX and was told to file a police report with my local police station.
Consumer complaint received 2023-10-12
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)

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 2024-05-21
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (PA)

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( Art Institute of Pittsburgh ) , proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case .
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (GA)

CREDIT REPORT FILE GENERATED ON XX/XX/year> REPORT # XXXX PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.LATE PAYMENTS ACTIVITY SHOWS DIFFERENT IN ALL THREE BUREAUS.
Consumer complaint received 2023-12-06
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)

My name is XXXX XXXX and I am a victim of Identity theft. I received a copy of my credit report after being denied housing and employment. I have been reaching out to these companies since XX/XX/2023 stating that I am a victim of Identity theft and that there are incorrect names, address, and accounts that are not mine please verify. Because the credit monitoring services are by law supposed to verify that all information reported has to be 100 % accurate. These companies violated my consumer rights by reporting inaccurate unknown information without my written consent, and is ignoring my request for verification within a timely matter. Not only have these companies violations affected they have also affected my family 's lively hood as well. I have been denied employment and housing due to this inaccurate, negative, unknown information reporting to on my credit report every month which is negatively imapacted my credit rating and scores. This has cause my family XXXX XXXX XXXXXXXX, and XXXX  due to being denied employment and housing. This inaccurate is causing me and my family embarrasement by affecting our character in a negative way.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Dear CFPB, I just looked at my credit report and I am writing to file a formal complaint against XXXX XXXX regarding their actions concerning account number XXXXThe collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, XXXX XXXX has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. XXXX XXXX has not provided me with proper notification regarding the collection activities related to account numberXXXX 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. XXXX XXXX has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. XXXX XXXX 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. XXXX XXXX has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if XXXX XXXX believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (TX)

I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX XXXX i didn't open this account i asked for contract with my signature and they still have never responded
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NV)

I have a two part problem : I purchased a mattress on XX/XX/2017 for {$5200.00}. It was a promotional purchase of 12 mos deferred interest with payments. I have been making monthly payments mostly more than the minimum requested on my statement. However, not a single dollar has been applied to the promotional balance on the account. I called XXXX and I received a variety of answers all different, none of them made sense. I have been told that I need to call every month to request that they allocate a portion of my payment to my promotional plan and that was contradicted by someone else through chat saying a portion of my payment should automatically be applied to the promotional balance. I escalated my concern to a supervisor who claimed that because a change in terms all of my payment is being applied to my regular purchase plan and none to my promotional balance. When I asked more about this change of term such as the date and when a notification was sent out and a copy of it, he told me he would research it and get back to me in a week. He said he would call back but he never did. 

Ultimately, what I have gathered is that the minimum payment is calculated upon my entire balance ( my regular purchase plan and my promotional balance ) but when I send my payment, it is ONLY applied to my regular purchase plan. So how exactly am I able to fulfill the terms of the promotional plan if the payment allocation method clearly contradicts the terms of such plan? As of today, I still owe {$5200.00} on that credit plan even though I have made payments every month. So were the promotional plan terms fraudulent and instead I'm supposed to pay the {$5200.00} all at once after 12 months? Or is XXXX having an internal system issue in which they are not applying my payments correctly? 

My second issue is with the mattress we purchased on XX/XX/2017. It has a huge sink hole on one side. I've contacted XXXX to have it warrantied out and just like always they send the same technician who states there's no issue with the mattress. Their rudimentary way of 'testing ' the mattress ensures that XXXX never has to warranty a mattress. It is severely defective and unusable and it needs to be warrantied asap. We are tired of being sold lousy mattress after lousy mattress, new one much more expensive then the one before and it being of lower quality.
Consumer complaint received 2023-04-21
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (AR)

N accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery A, says I opened a account with them XX/XX/2023 on my credit report and is reporting its still open with XXXX XXXX XXXX XXXX, I would like for this account to be deleted off my report and i have been getting numerous calls about this debt.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

My XXXX-branded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc (FL)

hello, on XX/XX/XXXX I went to XXXX XXXX, part of ABC FITNESS at : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Fl. XXXX. STORE # XXXX, gym phone # XXXX, XXXX phone # XXXX, to sign up for a gym membership, as I am new to working out, at that time I also purchased XXXX personal training sessions to learn the ins and outs of the machines. I was quoted a price of $ XXXX for the XXXX sessions, which I agreed to. 
The receipt for the purchase clearly states that only XXXX sessions were purchased which had to be used by XX/XX/XXXX. 

payment was made thru XXXX XXXX card ending in XXXX, the agent 's name was XXXX XXXX. 

during the signing process, he had me initial my name on a small machine where only the area where I had to initial was visible. when I asked what I am signing, he said it was the gym policies and rules. He did not provide any physical papers. 

he handed me the receipt for the transaction, and I proceeded to exercise. 

on XX/XX/XXXX, my card was charged another {$200.00} XXXX because XXXX XXXX had noted that I wanted the training to be a month-to-month contract. this is false, I am a XXXX woman on a very limited income ; had I been presented with a physical document where I would have been able to read thru it, I might have caught this agent deceit. 

On XX/XX/XXXX when the second draft of {$200.00} XXXX  was placed on my account ; I immediately spoke with the XXXX the gym 's manager. she wrote an email to corporate and several more since. each time I enquire on the status, she says there has been no response. Please also note that on XX/XX/XXXX I asked XXXX that I wanted to speak to XXXX XXXX, she answered. " he had to be let go '' I feel I was deceived by this agent, perhaps he did so because I am elderly, and he thought he could take advantage of this fact. which in my view is deplorable. 

ABC FITNESS ( XXXXXXXX XXXX  ) must take responsibility for this agent and refund my {$200.00} dollar. 

attentively,
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, my credit report has not been updated in months. I was instructed to call the XXXX XXXX and XXXX to find out why my credit report was not being updated. I was informed by XXXX XXXX and XXXX that the credit bureau has an XXXX  block ON MY REPORT PREVENTING them from reporting. I continue to be put in a loop and the credit bureau to call the credit FURNISHER, odds are there is a block on my report not that 3 different reporters are not reporting for me. My credit is not frozen PLEASE un block it. 


I NEED TO BUY A CAR. THIS ISSUE IS DRAGGING MY SCORE! I DO NOT HAVE THE MONEY FOR 29 % INTEREST. TAKE THE REPORTING BLOCK OFF MY CREDIT REPORT. UPDATE IT.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. 

XXXX XXXX XXXX is reporting XXXX  days late payment. How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete