davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (FL)

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. 

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX  XXXXe pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
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: EQUIFAX, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent Equifax XXXX, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/XXXX I made a full payment to Online Services, a debt collection agency. I have been waiting a proof of payment letter. On XX/XX/XXXX I called to request another letter be sent to me. Per a conversation with one of the call takers, the request would take 10-15 business days. On XX/XX/XXXX I called and spoke with a floor supervisor and she advised me that the only way to correspond with Online Services was through standard mail. It has been over a month since the payment was made and almost a month since I have requested a proof of payment letter and Online Services is doing nothing to rectify this situation. Furthermore, the account is still being reported to my credit. I understand that this may be on XXXXs part. However I find it peculiar that I paid other collection debts the same day (XX/XX/XXXX ) and some before the day that I paid Online Services and those amounts have been corrected on the same Transunion report. I understand that things happen with the mail, however, Online Services has done nothing on its part to help correct this situation. Online Services decision to do nothing about this after multiple calls of complaint speaking with two supervisors ( a woman on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as well as the collections account manager XXXX, is unprofessional and unacceptable and has caused delays in my financial life which is causing strife within the rest of my life.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In response to the recent investigation, I am submitting this CFPB Complaint to express my disagreement with the findings and to request that complete accuracy be ensured. I am not satisfied that enough effort was made to contact the creditor responsible for reporting the information on my report, and therefore, I am seeking further information regarding the disputed account as soon as possible : XXXX XXXX XXXX  Balance Owed : {$33000.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy.
Consumer complaint received 2024-04-13
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-04
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. (SC)

I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.
Consumer complaint received 2024-04-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

In accordance with the fair credit reporting act Exeter account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-08-07
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. (CA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I mailed a check for {$330.00} to XXXX XXXXXXXX. XXXX. The check # was XXXX for {$330.00}. It was due XX/XX/2023. I sent it XXXX XXXX never cleared my bank. I called customer service at XXXX. They say we have no record of it? Then I told them to take it out electronically. Then I received a bill with a XXXX late fee and a XXXX interest fee total of {$440.00} XXXX XXXX acct # is XXXX. Today XX/XX/2023 I find out I have XXXX payments of {$330.00} taken from my bank acct. I think they held my check to garner late fee and interest. I have always been a good customer but these people are full of it.
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX for account XXXX, XXXX XXXX XXXX  for account # XXXX, XXXX XXXX  XXXX for account # XXXX, XXXX XXXX XXXX   for account # XXXX, XXXX XXXX XXXX   for account XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one,  Accounts XXXX, # XXXX, # XXXX, # XXXX, lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting.  MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.
Consumer complaint received 2024-01-12
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit score decreased by 60 points. I called the company to ask what event or events triggered the score to drop by 60 points. I have a very limited credit profile, a mortgage and store credit card. The store credit card has never had a late payment and card has a XXXX balance. The mortgage does not have any late payments. In fact over time, as I made mortgage payments my score has increase slowly by 1 to 2 points per month. Now with no activity on this profile except on time mortgage payments why has the score decreased by 60 points. I called TransUnion and the representative told me they could not tell me why the score decreased by 60 points. A score does not go from XXXX to XXXX in a vacuum. How can a consumer maintain a decent score if a credit bureau is unwilling to disclose why the credit bureau decreased a score?
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kansas Counselors, Inc. (MO)

did a dispute numerous times. Kansas councilors has added this on my credit report since XXXX  under different file numbers. I have talked to each credit bureaus and nobody will help me. Kansas councilors just re adds it back on since XXXX  I have asked for proof of here I signed something for them to have my info and never received. Thnni keep trying to explain it is the same file that they keep adding just another number in a different file. Nobody will help me. I have adds the last report number that I made to dispute.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Assistance Inc (LA)

Company financial assistance inc said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted XXXX and the other two reporting agencies and they never removed this fraudulent item they never got the code
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I didnt make the inquiries on my credit report. I disputed them. 
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 2023-08-31
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is on my file with Equifax. checking my credit report ive noticed alto of errors that are hindering me. this has been an ongoing issue an has been addressed. my consumer rights are violated an not right. none of the data matches an is on all 3 credit reports. please review the files asap.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I have a WELLS FARGO ACTIVE CASH VISA CARD. It has a positive balance of {$360.00}. I don't want to use this credit card as they didn't handled my dispute very well. So i called and talked to XXXX today. I asked him to send me the money by check at my address. For which he refused. He said that I need to use the credit card. I am without job now and I want this money. It's legitimate money that I am asking and it's my money. I had XXXX disputes and only dispute gets rewarded in my favor.
Consumer complaint received 2023-06-15
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. (NJ)

THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$610.00}
Consumer complaint received 2023-03-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cohn, Goldberg & Deutsch,LLC (VA)

Pursuant to Fair Debt Collection Practices Act I have mailed / email ( per attached documents ) disputing the debt and request for validation on XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALPHA MIDCO INC (NY)

Sapientes funding and XXXX XXXX keep selling the debt back and forth. This debt is from identity theft someone in another state 500 miles away used my name and personal information to obtain emergency medical treatment at XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never traveled or lived in XXXX in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.
Consumer complaint received 2023-10-31
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)

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX AccounXXXX Number:XXXX Account Name : XXXX Account Number:XXXX 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.