davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) Late payment dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Consumer complaint received 2023-10-09
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: U.S. BANCORP (CO)

I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commercial Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US BANK - Commercial Banks XXXX
Consumer complaint received 2023-09-22
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (KY)

On XX/XX/23 I received an email stating that Bridgecrest would be reporting my auto loan payment late if they did not receive payment by XXXX pacific time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from bridgecrest of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a bridgecrest representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NE)

I made a payment to settle my account on XX/XX/XXXX! I was told after 10 business days my credit will be updated. I was also generated a letter stating my account has been settled but yet Westlake still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!
Consumer complaint received 2023-10-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lawson Hamilton & Associates (MI)

I received a call requesting to payoff my debt. I explained to them that I would like to see it in writing since I do not know who they are. He refused to send me any information and told me that they did not have to send me anything i asked them to send me.
Consumer complaint received 2023-10-09
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: AMERICAN EXPRESS COMPANY (NJ)

I received an AMEX gift card for the total amount of {$1500.00} however have been having issues attempting to use the card for the past month. No online retailers such as XXXX or XXXX would accept this card saying that it is on behalf of the credit card company declining the charge. I was able to use small amounts and got it down to {$1400.00} however I am still unable to purchase items online or in store. XXXX XXXX also refuses the card as well. I am stuck with a gift card that is basically unusable.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (MS)

I am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Complaint Against LVNV Funding LLC ( Account Number : XXXX ) I have taken several steps to resolve this matter directly with LVNV Funding LLC and its affiliate, XXXX XXXX XXXX XXXX but they have failed to validate the debt and provide the necessary documentation, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the complaint are as follows : I do not owe any money to LVNV Funding LLC or XXXX XXXX XXXX, nor do I have any contractual agreement with these companies. Despite this fact, they have been attempting to collect a debt that is not legitimate. 

I have sent multiple letters to LVNV Funding LLC requesting information about the alleged debt, including documentation that proves its validity. However, they have not provided me with any clear and accurate information regarding this debt as required by the FCRA and FDCPA. 

LVNV Funding LLC 's actions have negatively affected my credit report and financial well-being. Their failure to validate the debt and provide the necessary documentation has caused unwarranted stress and financial hardship. 

I believe that LVNV Funding LLC 's actions are not only unethical but also illegal under federal law. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request the following remedies : a. An investigation into LVNV Funding LLC 's debt collection practices, specifically related to my case. 

b. A requirement for LVNV Funding LLC to provide clear and accurate documentation validating the alleged debt within the confines of the FCRA and FDCPA. 

c. Removal of any negative information related to this unsubstantiated debt from my credit report. 

d. Appropriate penalties or sanctions against LVNV Funding LLC if they are found to have violated federal consumer protection laws. 

I have enclosed copies of all relevant correspondence between myself and LVNV Funding LLC, including copies of the letters I sent to them requesting debt validation. 

I appreciate your attention to this matter and your commitment to upholding consumer rights. Please do not hesitate to contact me if you require any further information or documentation to proceed with this investigation. 

Thank you for your prompt attention to this complaint.
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: EQUIFAX, INC. (DC)

I contacted XXXX, XXXX, XXXX and Equifax starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and Equifax never responded.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

Had an unauthorized charge through PayPal. Called the company and got redirected to open my bank account and they removed almost all our money from our accounts. Was showing my account got credited a wrong amount and I had to pay them back.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (AL)

The situation : I am a full-time XXXX  student and my student loan payments are not being deferred through NelNet ( I only have federal subsidized and unsubsidized ). I have verified through FSA that my school has reported my enrollment. At current, I owe over $ XXXX - but I don't make that much money at all, because I am a full-time grad student. 

I have submitted countless ( over XXXX times ) requests through the " my situation has changed '' portal on the nelnet website dating back to XX/XX/XXXX. The website indicates that " your status will be updated '' but this has not happened. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - Sent e-mails to various contacts ( 4 times through website contact form, one to XXXX ) indicating that I am actively enrolled in school but my account is not reflecting an in-school deferral. 

XX/XX/XXXX, XX/XX/XXXX, XXXX - Called the nelnet phone number. Call was dropped every single time, despite me calling from different numbers ( work, cell ). 

I've been unable to get in contact with them to reflect my account 's deferral. I fear that this will negatively impact my credit score because I'm unable to pay. I'm not sure how to proceed.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :
Consumer complaint received 2023-05-31
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX. 15 USC 1681 Section 602 A States 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.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX 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 2024-05-23
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: Experian Information Solutions Inc. (FL)

I have been reaching out to this company for several months to remove the inaccurate information listed on my consumer report. 

Each time, instead of abiding by the law and doing a proper investigation, I have been met with a stall email stating that I am not that one that has been sending these letters in spite of the fact that I am and am submitting proof of personal information as well. 

I have received 6 stall responses since XXXX and no remedy. 

Please see attached for the timelines of all letter sent as well as the emails that this company sent as a response.