davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (NY)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I filed a complaint with Equifax, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

In my XXXX XXXX XXXX XXXX  account app, it has a feature called XXXX credit journey which allows you to view your credit score and usage. 

When reviewing my account, there is a Barclays/Banana Republic credit card being used under my name. I do not have that card nor do I remember ever opening an account with Barclays and/or Banana Republic
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {XXXX  Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (CA)

I had a car loan and the vehicle was totaled XX/XX/2020. 
The original balance was {$17000.00}, the financer wrote off/charged off {$17000.00} in 2020. However, experian is reporting that I still owe {$16000.00}. Even when all of this information is in front of them.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has inaccurately closed my business credit card ending in XXXX for non payment of the balance of a employee credit card. Firstly I want it known that I had 0 access To see that balance as my balance stated on my online portal was always XXXX. My balance was XXXX dollars, where this XXXX dollars came from? I have no idea why my card was closed due to non payment of XXXX dollars, when I hold a average balance of over XXXX XXXX XXXX in my Wells Fargo checking accounts. I hold multiple personal credit cards, personal and business accounts and a high amount of money in a brokerage account with Wells Fargo. I only bank with Wells Fargo yet I feel like an outsider being attacked for the XXXXXXXX XXXX that I supposedly did not pay. I was never contacted and I was never told to pay that amount or even that I owed that amount. I feel truly attacked as a consumer and as a almost 8 year member of wells Fargo. After Wells Fargo closed that account I was declined on many applications for business loans, personal loans and lines of credits. All because I had a credit card close for non payment. I see this as beyond unfair. In there response to me, Wells Fargo also fails to do any research and states incorrect dates of this particular case. Stating that my card was closed in XXXX of XXXX and then later in XXXX. I expect nothing less of a bank that robs its loyal customers of service for inside issues of its own internet/ online portal systems. From wells fargo Your XX/XX/XXXX, business card statement showed the amount of {$25.00} due on XX/XX/XXXX. Your XX/XX/XXXX, statement showed a past due amount of {$25.00}. Your XX/XX/XXXX, statement showed the amount of {$25.00} due on XX/XX/XXXX. 
The XX/XX/XXXX, showed a past due amount of {$25.00}. You paid the total amount due on XX/XX/XXXX as always with wells fargo I am confused and betrayed at the reasoning and the simple fact that this could have all be resolved by reaching out to me. In conclusion my card was closed without any notice, i had no idea there was any balance and to later find out it was XXXX XXXX, i was attacked, betrayed and dumped to the side by wells fargo. I included a email conversation with my wells fargo banker. I tried to figure out why i was getting these notifications because my online account had no balance whatsoever for that credit card.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc. (VA)

Hi my identity was stolen recently and the thief used my Zip.co account to make over {$600.00} in unauthorized purchases and the company is currently charging me recurring payments for these fraudulent purchases with the next payment due on XX/XX/2023. 

Zip.co has reference numbers for each transaction the thief made using my identity. 

The reference number for the first line of credit is XXXX, the amount is for {$210.00} and the store this credit was used in was XXXX Store XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX VA XXXX 

The reference number for the second line of credit is XXXX, the amount is for {$220.00} and the store it was used in was XXXX XXXX XXXX XXXX XXXX also on XXXX XXXX XXXX in XXXX. 

The reference number for the third line of credit is XXXX, the amount was for {$200.00}, and was an online purchase on a website Zip.co describes as " XXXX XXXX 

This complaint is related to the one I filed against XXXX on XX/XX/XXXX, ID # XXXX. My XXXX credit card was the card on file for Zip.co. 

I've also filed a police report in XXXX XXXX VA where the fraudulent purchases occured. You can follow up with XXXX XXXX XXXX at XXXX regarding report # XXXX
Consumer complaint received 2023-05-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAY XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Equifax is Reporting False Information on my Consumer Reports Debt collectors are reporting on my Consumer Report I have asked for Validation from All Debt CollectorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Submitting letters by Mail stating I owe an Alleged Debt with there Office I asked for Validation with No Response. But a letter stating I owe this Amount.No Contract. No Payment History I have No Knowledge of these Alleged Debts.with these Debt Collector. I filed a Theft Report. With the FTC. For Identity Theft. I do not know of these Companies
Consumer complaint received 2023-05-23
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 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 XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX 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 an 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (TX)

Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by XXXX XXXX XXXX.
Consumer complaint received 2023-02-15
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

XX/XX/XXXX I began XXXX XXXX in XXXX and have spent over XXXX years now working in XXXX XXXX and as a participant in the XXXX XXXX XXXX XXXX XXXX. I have worked for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the past XXXX  years, I have diligently submitted employer certifications and have surpassed the XXXX payments required for the XXXX XXXX XXXX XXXX XXXX. I have struggled with Mohela and the Department of Education for the payments to be counted accurately. There is no question that I have made the XXXX payments or that I have submitted all of the required documentation. I have filed several complaints with the Consumer Financial Protection Bureau about this same issue. 

The most recent correspondence from Mohela shows I have XXXX remaining payments when my employer and I just submitted the final certification to show that I am actually in overpayment now. Mohela continues to collect money from me and not forgive my loans or show that I have made more than the required XXXX payments. 

It is simply unfair and un-American for someone like me to have worked so hard, experienced such incredible hardship and stress to be denied the freedom to have my loans forgiven. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX
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: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and Experian is report late payments for XX/XX/2024 that the other XXXX consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-05-23
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. (MS)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Accounts Management, Inc (SD)

My wife and I each had a debt to a local hospital. The collection agency combined our debts and our medical information and sent this to each of us. While they are allowed to share medical debt with spouses, they are not allowed to share with spouses the very specific medical information that they sent to each of us.