davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (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.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-16
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. (TX)

Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX That said account has already been deleted on my XXXX but Equifax and XXXX are still reporting this despite showing them proof of inconsistency of their reports. Equifax and XXXXXXXX XXXX descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

XXXX has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned account as soon as possible.
Consumer complaint received 2023-11-22
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-01-16
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. (TX)

I spoke to a representative at Equifax on the phone on or about Account XXXX XXXX and they informed me that they'd received my documents in the mail In XX/XX/2023 showing them that this Account Should read as Paid/Closed as it shows on XXXX with no Balance! It is the duty of this entity to furnish accurate information and in this case Equifax is Intentionally VIolating the Rules of the CFPB and The FCRA in it's entirety by Reporting Information that they have been made aware that is fully inaccurate and incorrect. ( see attatched files of credit report ) This is causing the Consumer mental anguish because Equifax told the Consumer that they're not going to make any changes nor open a Reinvestigation unless they recieve a letter from their Customer XXXX who pays for a subscription to Equifax services. The Consumer produced legal Documents showing that the Consumers file was updated on XXXX and that Equifax should follow suit but Equifax refuses.2. It's been well over 30 days since the initial Complaint, and not only that they are clearly violating the Law Knowingly and Intentionally! Without fear of being held accountable! 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

also the following applies : ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit. Equifax has clear disregard for these rules and regulation as proof will show below in the attached.
Consumer complaint received 2023-05-04
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. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (MD)

Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. 
They have increased the balance upto XXXX in XX/XX/XXXX. 
There were no transactioins since, made by me from XXXX to date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXX, for {$190.00} I objected and Disputed. 

I already have reported this case.with CFPB, on XX/XX/XXXX. 
Case No. XXXX
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act Experian, 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 XXXX XXXX  has been reporting inaccurate information on my credit report. 
and the credit bureaus won't delete the account thats in violation of my rights I am a victim of identity theft. I disputed fraudulent inquiries on XX/XX/2022 and Experian won't remove them either. This is defamation of character.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

First complaint to cfpb : No. XXXX ; I paid off my balance minus the late fee charges which added up to {$110.00}, on XX/XX/XXXXXXXX 
I received my XXXX statement, payment due on XX/XX/XXXX. I called CC to discuss crediting the above amount, on the basis that : 1 ) they continue to violate 26 CFR Sec.301.7502-1 : 2 ) They state payments have a 5 day grace period and all my payments have been postmarked before the XXXX and received by them within the 5 day grace period. Yet, they continue to charge a late fee ; and 3 ) The XX/XX/XXXX statement states a late fee of {$27.00}. The XX/XX/XXXX statement states a late fee of {$38.00}. No proper Notice was sent/communicated to me prior to the increased fee. 
On XX/XX/XXXX, the CC, account manager, " XXXX XXXX, stated I have no right to dispute the late fees, therefore there is no procedure for disputing late fees. This is contrary to the paragraph labeled, " Conditional Payments '' on the back of the statement, in small print. 
Account manager gave me a " one-time credit of {$38.00} '' and I paid the remaining {$100.00}, which includes approximately XXXX XXXX, for 2 undisputed purchases. 
I am a XXXX  citizen, living on a fixed income, paid on a specific date each month. I have no car. I have requested a change in my due date because of my once a month pay date. They have refused. It is impossible to schedule 2 rides-to my bank and to an XXXXby the XXXX, when I receive my income on or about the XXXX. I don't even have the cab or uber fare until the XXXX. So for my sake and all Seniors similarly situated, i.e : on a fixed income, please pressure ChaseXXXX to refund my XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MD)

Company has refused to comply with validation of debt requests. XXXX states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XX/XX/2023. These non-validated debts are still being reported erroneously on my credit report. They have refused to comply with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Deliberately hurting my credit.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Manhattan Beach Venture, LLC (MS)

In XXXX of 2016 I began the process of consolidating my federal student loans and applying for the Revised Pay as You Earn Program with the Public Service Loan Forgiveness with the federal student aid department. I contacted a company I thought was affiliated with the Federal Student Loan Department ( the Student Loan Relief Department ) to help me along with this process. I was not aware that the services offered by this company for a fee of over {$1300.00} are available for free from the department of education managing the loans. I was never told that this service is available to me at no cost. I do have paperwork I signed stating that I agree to pay the fee, but I do not feel like it should be legal for this company to charge individuals for a free service. I feel as though I was not thoroughly made aware that the same service I was paying for was something that could be completed at no cost to me. This is unfair to individuals who are simply attempting to manage student loan debt, or any debt for that matter, and are unfairly taken advantage of when attempting to do so. The representative I initially worked with is named XXXX the phone number for this company is XXXX.
Consumer complaint received 2018-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2024-01-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XX/XX/XXXX to XX/XX/XXXX I was charge for these months of rent and late fees as well as other misc fees. My lease ended in XXXX XXXX XXXX. I asked them to provide a renewed lease and ledger of an agreement I made with my signature and haven't received anything this was in XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XX/XX/2023 and the XX/XX/XXXX, XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to XXXX and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (KY)

Hello I contacted Lexisnexis in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2018-10-19
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. (AR)

I have been trying to work with the credit bureaus Transunion, XXXX, and XXXX with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
Consumer complaint received 2024-01-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (NV)

I had taken a loan from XXXX XXXX XXXX around XXXX. This loan was discharged in XXXX XXXX bankruptcy. The company ( XXXX XXXX ) also received proceeds from the bankruptcy. They then sold the loan to Plaza Services , LLC and they attempted to collect on the debt. I notified them server times that the loan was discharged in bankruptcy. I provided the bankruptcy case number with every interaction I had with them. I then just received notification from XXXX XXXX XXXX agency that Plaza Services hired them to now attempt to collect on discharged debt. I also provided them with the bankruptcy case number. I then attempted to contact Plaza Services also on XX/XX/2024 and was unable to speak with anyone. I also called XXXX XXXX to attempt to contact their corporate offices and was informed that they no longer have the loan with them because it was sold to Plaza Services.
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: New Century Auto Sales, Inc. (MI)

I applied for an auto loan, and the company, XXXX XXXX, tried to FORCE me to PUT my HUSBAND on the LOAN, because I financed a vehicle for him in 2016, I refused several times and was told that they couldn't finance me if I didn't, MIND YOU I COSIGNED FOR him, NOT the OTHER WAY AROUND.