davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Experian has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE WROTE THIS COMPANY SEVERAL TIMES ASKING THEM TO ADDRESS THESE ISSUES ON MY CREDIT REPORT. I FEEL AS IF IM BEING TAKING ADVANTAGE OF, I WROTE THEM MONTHS AGI AND STILL HAVE YET TO HEAR I REPLY I ASSURE TO THEM THAT THEY ARE IN VIOLATION OF 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.
Consumer complaint received 2018-06-09
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: ENCORE CAPITAL GROUP INC. (TN)

.I am requesting that XXXX XXXX ( MCM ) verify there method of verification. MCM  reported to CFPB on XX/XX/XXXX. That the account furnishing to the three major credit reporting agencies is accurate. I reviewed my credit report dated XX/XX/XXXX ( enclosure ). MCM is reporting inaccurate information. The credit report states in the credit history before the dispute and after the dispute that the original amount of the account was {$3000.00}. This is a continued violation of MCM. MCM gave false information to the credit reporting companies. MCM called my home on XX/XX/XXXX when they was instructed not to call my home in writing ( certified ). I was told that the account will be deleted since it is old if I pay half of the account. I asked for it to be in writing. I countered with {$100.00} for deletion since I am on a fixed income and a XXXX veteran. I am not agreeing that I owe this account. I want this inaccuracy to be resolved. MCM  disagreed with my counter. MCM raised the credit history reported {$3000.00} original credit amount and lowered my available credit percentage. 
I am requesting that MCM verify the {$3000.00} credit history or delete the account with all major credit bureaus. MCM has a pattern of behavior of violations that has become a premeditated organized deceit in order to pressure me to pay.
Consumer complaint received 2023-01-25
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. (TX)

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 



In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : 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 XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX 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 an account without my written consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Back in XX/XX/XXXX, I received an email regarding my Shell gas credit card that since I haven't used in a while will be closed in XX/XX/XXXX. So I used my card on XXXX XXXX. I received another email about my account in XXXX being closed if not used. I sent a message through the Shell Credit website asking if I need to use it again or not. I went back and forth regarding my account with a representative. Not once did I request to have my account closed but the representative closed my account without my authorization. Now it has been reported to the credit agencies. I have attempted to contact Shell through their website and haven't gotten anyone to fix this issue. I called on a few occasions, keep getting the run around that it has been escalated. On XX/XX/XXXX, I allegedly spoke to a supervisor name XXXX who was very rude and informed me that a few points off my credit report won't matter. It's my credit report and it does matter to me. Especially when my account was closed without my authorization.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (IL)

In accordance with the Fair Credit Reporting Act this company 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NC)

2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and XXXX credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.
Consumer complaint received 2023-12-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (UT)

The escrow amount for property taxes is grossly overstated and not supported by any documents from the county assessors tax office. The 2023 annual property tax bill was provided and the valuation is also included. I have called over 10 times explaining that the property tax amount per escrow does not agree to the actual property tax bill or the records sent by the XXXX county tax assessors office. The company continues to deny the unsupported escrow amount despite the property tax bill, refund of escrow funds due to an overage in the account, and a call from the XXXX County tax assessors office re notice of incorrect property tax amount. This is fraudulent escrow practices on behalf of the loan servicer.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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: Prosper Marketplace, Inc. (MO)

XX/XX/XXXX received text from XXXX XXXX XXXX XXXXXXXX XXXX stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. 
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AR)

Made my deposit of {$5800.00} through the app since I dont have a local branch in my state on XXXX XX/XX/2023 around XXXX after work. Deposits were accepted, then around XXXX on XXXX XX/XX/2023 my accounts were closed without notice. Ive called numerous times on XXXX XX/XX/XXXX from XXXX to XXXX, from numerous corporate offices, customer support lines, and theft prevention. I finally spoke to XXXX from loss and theft prevention department after being referred from a Citibank atm out of state and was told my deposits were deemed invalid even though they were money orders purchased the day prior. I asked about my deposits and the money already in my account and was told it would be mailed in XXXX days. I called today XXXX XX/XX/XXXX because that time has elapsed and no representative will help me without the account number to a now nonexistent account. I couldnt be helped because of their mistake and now invalid banking information. This has now put me in an unnecessary financial bind and XXXX customer support, theft prevention department and corporate offices refuse to help, listen or act.
Consumer complaint received 2023-11-06
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (OR)

I have a payroll card that someone on line got the information and did several unauthorized transactions. They total {$200.00}. I filed the complaint with the bank which is XXXX XXXX. I stayed in constant contact with them and explained to them multiple times that I wasn't able to find contact information on some of the company 's and I sent them in what I did get back from the company 's I was able to contact. Even though I was in communication with them and I sent in all my documents by the dead lines they placed on me sending them the information about the merchants. Well apparently that wasn't good enough and they denied my claim stating I did not send them in the form they sent me in the time frame they gave me, but I did send in the form but I wasn't able to get all the information and I clearly asked them for help and did not get any help on getting in contact with these places 2 places emailed me that I was able to reach out to and both said they couldn't find an account for me or the transaction and I sent XXXX XXXX those emails another company only had a number to call and they left a voice mail stating the same thing they couldn't find an account or the transaction. I didn't know how to attach a voice mail to email so that I was not able to send. But these were on my account and they are unauthorized transactions and I should be refunded for these. They were not pin code transactions they were internet ones and I contacted them as soon as I noticed them. Which was less then 30 days of them happening. The company denied my claim and now just hangs up on me when I call and I have not been able to reach a higher manager or anyone in regards to this matter. I did everything to my best ability and got them the information bas fast as possible and should be refunded for these fraudulent charges. I will also be filing with the ftc about this.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IL)

Hello my name is XXXX XXXX account im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you XXXX bless
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I am filing complaint regarding EXPERIAN 's failure in handling my request to remove information from my XXXX credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, XXXX has failed to resolve the matter. XXXX 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within four business days from receipt of submission.
Consumer complaint received 2022-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-06
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. (MO)

Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior.

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt.

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities.

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market.

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior.

2. Recognize debt repayment more positively in credit scoring metrics.

3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability.

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers.

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
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. (WI)

EXPERIAN HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, 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. 

THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS HAVE REAPPEARED AND CONTINUE TO APPEAR ON MY EXPERIAN CONSUMER REPORT IN VIOLATION 15 USC 1681i ( a ) ( 4 ) : 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 

CONTRARY TO AND IN VIOLATION OF 15 USC 1681i ( a ) ( 4 ), EXPERIAN HAS FAILED TO CONSIDER MY XXXX CONSUMER REPORT DISPUTE RESULTS AND CFPB COMPLAINT XXXX REFLECTING THAT ACCOUNTS 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 XXXXXXXX, ARE NOT MINE AND HAVE BEEN PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND XXXX CREDIT FILE.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reach out to XXXX and transUnion amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on XXXX and the XXXX inquiries on transunion must be removed if unverified or unauthorized
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my wallet was lost at the XXXX XXXX. Once I got home I realized the there 3 charges that were not authorized. They were in the amounts of XXXX, XXXX, and {$53.00}. I called Chase to cancel my card and issue a credit. They issued a provisional credit within a reasonable time. On XX/XX/XXXX they reversed the charges and withdraw the money from my account. I would like to issue a protest that I did not authorize these charges and would like my money back. The thief 's took money from another one of my checking accounts and I have not had an issue with them getting my money back. I would like to get these charges reversed and added back to my account.