davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the XXXX XXXX XXXX. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC XXXX search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-21
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-21
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. (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Pulled my credit report from Equifax on XX/XX/XXXX, noticed multiple unauthorized/unverified inquiries on my consumer credit report. Reached out to Equifax, was advised they were not able to assist. 

Inquiries that are unverified/unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-06
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: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
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. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

CITIZENS BANK is alleging that I owe a debt of {$570.00}XXXX XXXX  I served a letter on CITIZENS BANK through USPS certified mail on XX/XX/2023, Tracking Number XXXX. In my letter I requested CITIZENS BANK to validate this alleged debt under 15 USC 1692g ( a ) and 15 USC 1692g ( b ). CITIZENS BANK has ignored my request and is now threatening to close my account and report false information on to my consumer report. I have provided copies of CITIZENS BANK correspondences as well as my letter/documents that was received by CITIZENS BANK with this complaint, see the attachments for review. CFPB please help me in resolving this issue, because CITIZENS BANK is ignoring my requests and correspondence. Thank you.
Consumer complaint received 2024-03-21
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (ME)

I've purchased 5 Vanilla gift cards ( XXXX $ each ) on XXXX of XXXX last year. I tried to use it on different locations. 
After I contacted the company, they open a case no for me. It solved 2 of the cards, but 3 are still not usable, even today. Case still open and pending...

Case no XXXX on VanillaGift
Consumer complaint received 2023-03-15
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX 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 2024-03-21
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WI)

I have a joint XXXX  account with my XXXX. She XXXX XXXX XX/XX/XXXX. I was informed by the bank and the lawyer that the funds would automatically just go to me and there would be no issue XX/XX/XXXX. I attempted to use my XXXX card and at that time balance on my money market and XXXX account showed XXXX dollars available but all of the funds are still in the account listed as a pending withdrawal. I am not the executor, and XXXX not in great contact with the executor. It is my assumption that the executor of the account went to the bank to close out the XXXX card and the XXXX and that created a hold for some reason on this account I now noticed that, I am the only name on the bank account. I have attempted to call the bank for XXXX times was still no results. The answer Ive been given is it is being handled internally and that is all they can say they are not saying if its due to my XXXX XXXX or anything.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

ON XX/XX/XXXX I FOUND OUT THAT MY BANK ACCOUNT WITH XXXX XXXX WAS COMPROMISED. AS A RESULT, MY BANK ACCOUNT WAS CLOSED WHICH CAUSED PAYMENTS TO BE REJECTED. MY ACCOUNT WITH TOYOTA FINANCIAL WAS REPORTED LATE, EVEN AFTER A TALKED TO A TFS AGENT ON XX/XX/XXXX AND THEY ASSURED ME THAT NO LATE PAYMENT WOULD BE REPORTED TO THE CREDIT BUREAUS IF I BRING MY ACCOUNT CURRENT, WHICH I DID.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KS)

I made a previous complaint with CFPB on XX/XX/XXXX, and was provided documentation on XX/XX/XXXX, supposedly to answer my questions. It did not and it only created new questions. On my XXXX XXXX XXXX XXXX XXXX, my interest balance jumped by {$7400.00} between XX/XX/XXXX, and XX/XX/XXXX. I asked for an itemization on how that interest was accrued and was told by Nelnet that they do not provide that information. I then asked for statements from the time Nelnet acquired my loans and XX/XX/XXXX - I received no statements prior to XX/XX/XXXX, and was told if no payment is due, they are not required to send statements. I could understand this IF no activity was happening on my account. However, if interest accrues and changes the balance, I believe I am entitled to a statement to track these changes and ensure accuracy. Further, payments were being made to my account, even though COVID, which Nelnet apparently thought no one was entitled to statements during this time period. I want and deserve statements showing how moneys are applied, charged and how interest accrues. Today is XX/XX/XXXX, and I have not received a statement since XX/XX/XXXX. Again, I am told they do not have to provide statements if no payment is due. This statement makes no sense, because My XX/XX/XXXX, statement shows no payment due! I want copies of monthly statements from XX/XX/XXXX, to XX/XX/XXXX. I also want a statement for XX/XX/XXXX. If Nelnet alleges they do not have these statements, I would like an itemized list of how {$7400.00} was added to my account. 
I am attaching my XX/XX/XXXX, statement showing no payment due, and the XX/XX/XXXX, response from Nelnet. Please see highlighted section of page 12.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/PPC fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). SYNCB/PPC is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Warranty Bundle Add-ons were sold during Vehicle purchase. 
I was told it would only cost approximately {$50.00} a month not knowing that the Warranty Bundle was added to the loan and interests were being charged. 
When I wanted to refinance and realized that I had been financing warranty bundles, I went angrily to the dealership to lay out my complaint about how they had fraudulently sold me warranties that were being financed. 
They canceled the warranties and promised it would be refunded within 30 to 60 days. It has been over 90 days and it has still not been refunded. 
To make matters worse, the loan still includes the finance charges on the Warranty Bundles to date and I was told if I get into any accident the warranty will not cover it, therefore, all finance charges added to the loan if I make any payment is a total waste and it won't be refunded. 
Secondly, Toyota gives consumers the option of deferring due payments if they are going through any financial hardship. However, this option is dubious as there are finance charges applied which is way higher than if the consumer takes the option of a late payment fee. So, Toyota will charge interest on the number of days either 30 or 60 days the consumer wishes to defer the due payment. 
After realizing this option does not help the consumer at all, I requested the deferred payment to be canceled, as I would rather borrow money to make the due payment with a one-time late fee than have huge interest added to the loan. I was informed by Toyota that a manager would call me back and it would be canceled, however, it was never canceled and the interest was added to the loan. 
Theres zero transparency in the transaction as all payments that I have made since XX/XX/2023 have gone to interests according to Toyota Financials.

No representative of theirs or manager can inform me how much out of the payment I send in goes to interests, as they report they can not view it and it is neither on the bill.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a paper statement with a late charge. On XX/XX/2024, I transferred credit to my account from the points attached. On XX/XX/2024, I received a late charge, in which case my Autopay should have gotten in, and it did for {$25.00}. I called the Bank and told them I had paid {$50.00}. Why did I get a late charge? Communication is challenging. I only speak XXXX. Finally, I checked my Autopay status on the Bank 's website. My auto pay was removed from this credit card, not my other credit card at the Bank. 

Finally, I am asking Bank of America to waive the late Fee as a one-time Courtesy.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (UNITED STATES MINOR OUTLYING ISLANDS)

Upon reviewing my credit report, I have discovered that the last activity date on the aforementioned account has been continuously manipulated, presumably by your company, in an attempt to prolong its appearance on my credit report. This practice is not only highly unethical but also constitutes a clear violation of regulatory standards governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), the maximum period for which negative information, such as a charged-off account, can remain on a consumer 's credit report is seven years from the date of the first delinquency leading to the charge-off. Any attempt to artificially extend this timeframe through falsification of last activity dates is a direct violation of the FCRA.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, 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. (MD)

In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (IL)

I am disputing several fraudulent accounts and unauthorized inquiries on my credit report, all stemming from identity theft incidents that occurred, many while I was a minor. These accounts were opened fraudulently using my personal information, exacerbated by my inclusion in the XXXX data breach. Despite my efforts, discrepancies persist, leaving me vulnerable to further financial harm. I demand the immediate removal of fraudulent accounts and inquiries, as well as a thorough investigation into the matter. ''
Consumer complaint received 2016-03-08
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mother in law got a reverse in XXXX. Lender says she missed paying property taxes in XXXX sent a letter stating her house would be sold on XXXX XXXX, XXXX, sold her house on XXXX XXXX, XXXX XXXX never came after us for taxes and she did pay them. Any docs that may help I can send as soon as I hear back from you.