davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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. (CA)

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 2024-01-10
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (DC)

I accordance with the fair credit reporting act XXXX Account # XXXX Navy Federal Credit union. Has violated my rights. 

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 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 purpose.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated (NY)

I am writing to bring to your attention a situation regarding a debt outstanding since XXXX  with XXXX. I have previously agreed to a settlement payment of this debt, however, I have been subjected to harassment tactics by your representatives. This includes contacting my place of employment with a subpoena and sending me harassing letters via mail.
Consumer complaint received 2023-12-30
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. (OH)

this information was disputed back in XXXX XXXX XXXX XXXX. this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX TRANSUNION, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My minimum payment is due on the XXXX of every month. I always go on at night to make my payment on the XXXX. I recently discovered that I have been accessed a late fee in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of XXXX. I called Capital One. The rep said I had to make it by XXXX, anything after that time is considered next day. I said what as long as I make my payment by XXXX on the XXXX I have made my payment on time. She said look on my statement next to min payment it says by XXXX. I said I am paperless. She said to avoid it in the future, set up auto pay for min pay. I said I dont need to cause I MAKE MY PAYMENT ON THE XXXX. SO FRUSTRATING... the average person would never think they have to make a payment by XXXX, they would think by XXXX. This is so deceptive and a bad practice. She said she would refund XXXX late fee. what? I feel helpless here so that is why I am filing the complaint! I need help getting the remaining {$180.00} back please I have attached all statements. XXXX was not available online yet but I see on current charges I have been charged another late fee.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-01-10
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 submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-01-10
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. (ID)

My student loans used to be handled by a lending company called XXXX but after XXXX XXXX XXXX XXXX XXXX XXXX and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have XXXX issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has XXXX violated by the XXXX XXXX and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

In XX/XX/XXXX I applied to and was approved for the SAVE IDR repayment schedule directly through the federal website portal. MOHELLA notified me that my student loans had been placed on XXXX as of XXXX XXXX XXXX. On XXXX XXXX XXXX, MOHELLA sent me a notice that they arbitrarily REMOVED me from my IDR plan - no explanation given. Since then they have been billing me the full balace and interest every month. No savings plans. No income sensitivity. Nothing. I am completely unprotected from MOHELLA 's predatory actions. I am permanently XXXX and well below the poverty line, and my sole income is SSDI and has been since the early XXXX 's. This is purely predatory action or incompetence by MOHELLA.
Consumer complaint received 2023-12-31
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. (CA)

In XX/XX/XXXX I was notified my Info was breached in The XXXX XXXX Breach, I filed an FTC AFFIDAVIT and notified the credit bureaus. 

TRANSUNION has continually viloated my rights as a consumer without protecting my rights and to report accurate and verifiable info. 
Transunion has not given me a chance to acquire free credit reports from their online website and I am unable to dispute erroneous info on my report. 

Under 15 USC 1681 everything must be accurate and correct. 
I have never had this account and this account was fraudulantly inputed on to my credit report. I want this removed. 

This account was fraudualntly opened in XXXX and now has illegally been reaged, this is fraud and blatant violation. 

XX/XX/XXXX ( XXXX mos ) {$0.00} Remove this account or I will pursue legal action.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

i sent multiple 609 letters and 623 letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the three companies XXXX, Equifax or XXXX except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DE)

Date of Transaction : XX/XX/2023, Transaction Amount : {$100.00} Action Taken : Filed a dispute with the Bank. I got scammed when I responded to XXXX group posting on moving sale. Messaged the seller and did a deposit of {$100.00} using XXXX As soon as I realized that i was scammed, logged into the bank account and tried to dispute the transaction. Couldn't dispute the transaction as it was in pending status. 

Called the bank 's customer service to file a dispute. 
1. The bank agent mentioned that PNC doesn't provide any fraud/scam protection on XXXX transaction XXXX XXXX is a separate entity and just providing free of charge service. 
2. I had requested a copy of bank 's customer ( XXXX XXXX XXXX ) protection policy & procedures specific to XXXX product/service. The agent asked me to check the terms & conditions of XXXX to find answers.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2024-01-10
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

To the Consumer Financial Protection Bureau, I am writing to express my concerns and seek assistance regarding an issue with Equifax and a report from the Federal Trade Commission ( FTC ) involving a potentially fraudulent account under the name " XXXX XXXX XXXX XXXX XXXX. '' I have no knowledge or association with this company, and I have previously contacted Equifax to dispute this account 's legitimacy. 

Despite my efforts, Equifax has informed me that they have conducted a " full investigation '' into this matter. However, based on my understanding of federal regulations, particularly 15 U.S. Code 1681d - Disclosure of investigative consumer reports, their investigation process does not align with the standards described therein. I have repeatedly requested Equifax to provide concrete evidence or proof that links me to this account, yet they have failed to do so. 

This situation has left me with no choice but to consider legal action as a last resort. My experience with Equifax raises serious concerns about their business practices. I believe that their actions not only pose a threat to individual consumers like myself but also potentially jeopardize the integrity of the banking system. 

Therefore, I am reaching out to your bureau for assistance and intervention in this matter. I am seeking clarification on what specific steps Equifax took in their investigation to ascertain the account 's validity. Furthermore, I request your help in obtaining the necessary proof from Equifax that establishes my alleged connection to this account. 

This situation has caused me significant distress and inconvenience. I trust that the Consumer Financial Protection Bureau will take my concerns seriously and provide the necessary support to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a complaint regarding the inaccurate personal information that has been reported by XXXX, Equifax, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future.

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that XXXX, Equifax, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.
Consumer complaint received 2024-01-09
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX, and XXXX XXXXXXXX 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 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.