davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Subject : Request for Investigation, Rectification, and Compensation for Financial Hardship, Emotional Distress, and Mental Anguish Dear CFPB, I am writing to urgently bring to your attention a pressing issue concerning my credit report maintained by Experian. Despite my efforts to dispute and rectify inaccuracies, Experian has persistently refused to take appropriate action. This situation has not only caused financial hardship but has also inflicted significant emotional distress and mental anguish upon me. 
The inaccurate information in question " XXXX, '' has resulted in severe financial consequences, including the denial of credit, increased interest rates, and missed opportunities. I possess an adverse action letter confirming that I was denied credit due to Experian 's inaccurate information, which has had cascading effects. 
Specifically, I have been unable to obtain loans, secure a credit card, purchase a car, and realize my dream of homeownershipall due to Experian 's refusal to rectify these inaccuracies. 
Moreover, the ongoing ordeal has taken a considerable toll on my emotional well-being, causing me substantial distress and XXXX. The frustration and uncertainty associated with these inaccuracies have led to mental anguish that affects my overall quality of life. 
In addition to requesting that the CFPB investigate this matter and compel Experian to investigate and remove the inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), I humbly request compensation for the financial hardship, emotional distress, and mental anguish I have endured as a result of Experian 's refusal to rectify the situation. 
I believe that a fair resolution should include appropriate compensation to help mitigate the adverse effects this has had on my life. I have attached copies of relevant documents and correspondence with Experian, including the adverse action letter, for your reference. 
Please let me know if any additional information is needed to facilitate this investigation and compensation request. Your prompt attention to this matter is greatly appreciated, and I trust that the CFPB will uphold its commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX Enclosures : CREDIT REPORT ADVERSE ACTION LETTERS NOTICE OF DISPUTE DEBT VALIDATION LETTER PRE ARBITRATION SETTLEMENT DEMAND OFFER INITIATION ARBITRATION LETTER REQUEST FOR ARBITRATION COST LETTER AFFIDAVIT OF TRUTH
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX was entered into my account this year. This is not my account, I do not owe this people any money and I had previously disputed this claim and it was removed from all three bureaus. Transunion is the only company to have re added this account back onto their records. When I tried to dispute it online, their webpage said I had to dispute it by mail. I have sent them three letters asking for it to be removed from my credit report and they do not respond. I have called twice and I was told it was under dispute but when i call back they have no record of it. I want it removed from my report.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I have had Fraud ~ Identity Theft, happen to me XXXX 3 times ~ in the past 3 years. It has as you can imagine, caused great pain and anguish to have to deal with very bad people who do this to Honest people who " play '' by all the Rules in life. I was in the very beginning, left with the thought ~ that what happened to me would be " logged '' into my credit files, so that when the Real and " Good '' people who must access my credit report ( it being confidential ) that they would see something that indeed reflected ~ just what had happened to me. IT DOES NOT! Why? The 1st time, I filed something, with the FTC and was distinctly left, with the thought that the Government would be doing exactly ~ that. Some bloody thing that the Authorized people who enter my Credit Reports for Authorized reasons ~ would see that I was " Violated ''! ( and that is how I truly felt ) So. Why did that not happen? I did everything I was told to do, and Absolutely Nothing ~ was entered ~ Re : That my Identity Was stolen and that it actually happened. NO NOTHING STATING IT ACTUALLY HAPPENED! WHY? Please be kind enough, as to Advise me, why. Please. Thank You, And for Heavens sakes, get back to me. I'm tired of getting " kicked '' ~ in my heart, it is so painful. Hope it never happens to another person, And why not do your bloody best ~ to catch these terrible ~ " people ''. And throw them in prison when you catch them, AND MAKE THE WORLD AWARE OF IT ~ PERHAPS IT COULD DETER THE OTHER BAD GUYS ~ FROM DOING IT TO ANYONE IN THE FUTURE. Thank You, XXXX XXXX XXXX. And please Stay Healthy!
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (KY)

AMCA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-03-31
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NE)

There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

In accordance with the XXXX, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

On the 3rd page of my dispute submitted XX/XX/2024, I requested my consumer statement be updated with the credit reporting agencies. My request was submitted in writing as requested by their websites. Neither Equifax has not updated my consumer statement.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the XXXX XXXX compliance. Provide me with XXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquires And all student loan accounts
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

I have tried to call 6 different times on different days. I use their callback system to have my place in line held until they call me back. Upon receiving a callback and verifying my identity, I am asked to be placed on a brief hold, the hold lasts about 3 seconds, then the call is dropped. I have never received a call back after the call is dropped. On my most recent attempt I asked to NOT be placed on a hold and explained that every time I'm put on a hold the call is dropped, and was told " I can not have silence on the line. '' I again asked to NOT be placed on hold. The representative said " ok I will not put you on a hold, '' the line went silent, and my call was again dropped within 10 seconds. The live chat feature does not work, I have submitted an email request, but have not received any confirmation that they have received my email or a wait time associated with an email reply. 

Dates of calls : XX/XX/23 ( 2 times ) XX/XX/23 ( 2 times ) XX/XX/23 XX/XX/23
Consumer complaint received 2023-05-08
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. (PA)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B This is a fraudulent account on my report. 

XXXX. XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- XX/XX/XXXX, I called Bank of America and found there were two fraudulent Bank of America 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called BOA Fraud department, XXXX, XXXXo report fraudulent accounts, BOA Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to BOA Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from BOA - XX/XX/XXXX, Called BOA Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called BOA Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called BOA, BOA said both cases were closed because they didnt receive the FAX. BOA re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called BOA with XXXX for BOA Claim numbers : XXXX an XXXX, and BOA said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another 7-10 business days. 
- XX/XX/XXXX, Called BOA with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called BOA to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from BOA via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called BOA to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called BOA and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called BOA to request documents since XX/XX/XXXX. We called BOA on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but BOA doesn't give me the documents about account application forms, identity used and power of attorney.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (GA)

I, XXXX XXXX XXXX a XXXX XXXX  XXXX XXXX at US Auto sales in XXXX GA on XX/XX/XXXX. 
About 3 months ago Westlake Portfolio Management started to call me to collect payments from me about my car and saying that they are taking over US Auto sales and I need to make payments through them. 
So I followed and started to make payments til I ask how much was my balance. 
They said it was XXXX XXXX Dollars. 
Which is incorrect cause I had got the car for XXXX XXXX Dollars. 
I paid a XXXX US Dollars plus bi weekly payments since I had the car. 
Few weeks later they came repossessed my car when I ask for the correct balance before moving forward on payments. 
My original sign documents from my contract is in my car that they towed in the glove compartment.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I need to change the type of my repayment plan I sent an email to the servicer with the request as directed by the website. Received an email back that I need to use the repayment tool and email them back stating the estimated amount of that payment and that I agree to that amount and terms. I did that and have not had a response since. I've been continuing to email probably 10+ requests with no answer. Repayments are about to start and my plan has not been changed. I tried to call but there is always a 4hr wait period for customer service. I have asked to be put on an extended fixed repayment plan with estimate if {$160.00} a month.
Consumer complaint received 2023-03-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX  Account XXXX XXXX XXXX, XXXX  Account XXXX XXXX XXXX and XXXX Account XXXX XXXX XXXX have 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 an account without my written instructions
Consumer complaint received 2022-12-09
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. (CA)

I have disputed this XXXX XXXX  and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX