davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (PA)

so im going to get my first apartment and check and realized that i had over a 7 hard inquiry on my credit report from the car dealer ship that ran my credit when i was getting my first car i was not arthorized that they was gon na non stop run my credit report with different lendors intill i get a proof and i feel like they type finessed me because thats when i first started my credit to cause i just turn XXXX and had no Experience now that i am older i realize that all those inquiry should not be reported on my credit report because they are breaking my fair credit report act and my 15 u.s.c 1681 law the unarized inqury already got removed off XXXX and XXXX there only reporting to my experian and when i call experian they keep lying to me say that all the auto loan inquiry count as one but when they was removed off my other 2 barrals XXXX  and XXXX my credit report when up over XXXX point and all my scores was the same before i got them inquiry removed off XXXX  and XXXX and i been disputing this stuff with experian for over a year now sending letters and everything and all there agents a rude and dont help. 


these are the following inqury reporting on my experian report that should be romoved XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once again i do did not arthorized nun in theses inqury and all ready had them removed from XXXX and XXXX and see the impact and the differents from the report and by the way i been fighting this situation for about over a year now i was told a lie from a experian angent that these inquiry was not harm full and was counted as one but now i see the real impact once they was removed of XXXX and XXXX  and truly up set for experian lying and breaking my fair credit report act
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your TransUnion, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (IA)

On XX/XX/ an automatic payment went through on a personal loan I had with Amex. Not realizing I had automatic payments set up I made a loan payment as well on this date. Realizing I had made duplicate payments I contacted Amex on XXXX XXXX requesting a refund of the duplicate payment. Was told it wouldnt air 7-10 business days. Did not receive any documentation of this request in writing, despite receiving documentation in the mail or email every time I make a payment or update my information. I contacted Amex again on XXXX XXXX XXXX XXXX XXXX XXXX and was told it was escalated and would be refunded the next week, at the latest on Wednesday, XXXX XXXX I contacted Amex again on the XXXX and was told it was escalated but they had no date for resolution. Was told several times there was no superior person for me to speak to. Was told several times there was no documentation of my request they could send me in writing. Was told several times I would get a call back from a supervisor and I didnt receive one. On XX/XX/XXXX was given an email per my numerous requests for documentation notifying me my request had been escalated, but it did not include the nature of the request or the amount of the refund or the original date the request was made. As of XX/XX/XXXX, funds have not been returned. Next payment date is XX/XX/XXXX.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (PA)

To whom it may concern, I am writing to file a formal dispute regarding violations of consumer protection laws by PBCAPIGRP original creditor XXXX XXXX  XXXX. The following laws have been breached in their dealings with me : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681-S 2 ( 7 ) ( A ) and 15 USC 1681 ( e ) ( b ).

The collection account on my consumer report with this institution is a charge off/collection with a balance of {$1400.00}. Which is inaccurate and a clear violation to 15 USC 1681 ( e ) ( b ). I am disputing owing any and all debts to this collection agency. I also revoke all rights of them communicating with me through email/text/calls. I am requesting a debt debt validation. I also am requesting the purchase agreement between PBCAPIGRP and the original creditor XXXX XXXX  XXXX. I also request that PBCAPIGRP furnish proof that they are licensed and bonded. 


According to 12 CFR 1006.34 ( b ) ( 5 ), defines the validation period as the starting point of the date the debt collector provides validation information required by 1006.34 ( c ) and ending 30 days after the alleged consumer is assumed to receive. However, PBCAPIGRP has failed to comply with this regulation by placing this collection on my consumer report without validation. 

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that the consumer be given a right to dispute inaccuracies. Despite this requirement, PBCAPIGRP has not given me a chance to dispute this account. 

Additionally, collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all required disclosures by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to remedy the violations committed by PBCAPIGRP. Please keep me informed of any developments regarding this dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUN LOAN COMPANY INC. (AL)

i am trying to ork on my credit so i reached out to the company and tried to resolve my debt with them and delet this off my credit repor but they are unwilling to work with me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Account name XXXX XXXX Account number XXXX this account does not belong to me. I have not consented or contracted with this company. Furthermore, this account isnt being reported correctly. Open dates are inconsistent, original balances are inconsistent. This account needs to be removed from my credit reports.
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: EQUIFAX, INC. (GA)

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 that 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 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 that person knows or has reasonable cause to believe that the information is inaccurate.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is furnishing information from XXXX XXXX XXXX. In addition, Transunion LLC is involved in Racketeering Activity along with XXXXXXXX XXXX XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, XXXX. In addition to receiving proceeds derived from such XXXX XXXX. Convictions of XXXX XXXX  carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX  XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX OH ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account with Capitol One since XX/XX/XXXX. I have paid all of my balances in full plus interest each month and was never late. I had an XXXX  XXXX in XX/XX/XXXXXXXX  and was out on XXXX. Even when I was on XXXX, I took the money that was significantly less and paid my capitol one credit card bill. I called in and explained to them that I would need an extension around XXXX because I was still waiting on my XXXX check to come in. The representative told me that they would be give me an extension for 90 days then I would have to resume the original payments. Upon the capitol one representative giving me this extension, I did not see where Capital one gave me an extension. Instead my account was closed in XXXX and the interest rate increased even more. Now as I returned to work and rebuilding my health I am stressing out to see how Capital one is handling my account. I pay them on time all the time and because I had a XXXX XXXX XXXXXXXX, my credit is now being tarnished by this Credit Card. I am a hard worker and I will attach my payment history to show that I was consistent with Capital One up until my health declined and that was the only time I had an issue. I just want a fair shot at paying back what I owe and not be subjected to predatory overwhelming interest rates. This is stressful and I asked Capitol for this consideration at this hard time in my life. For them to agree then close the account just does not seem fair to me.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

I have attempted so many times in the past via many organizations including XXXX, Florida attorney general and various other ones and have got nowhere but more annoyed. I have asked multiple times for a supervisor to call me, Ive tried with customer service and still nothing he same issue. 

AVANT indicated by snail mail they would refund me my annual fee due to horrible service : they only have refunded me my late fees and interest Ive called them over and over again, sent multiple emails to only get more annoyed
Consumer complaint received 2022-10-26
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. (PA)

Good Evening, 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. 

These following names, accounts & addresses are incorrect and are violations to my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Consumer complaint received 2020-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

Had disputed balance with Discover Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. Discover neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, Discover failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to Discover regarding this matter and his letter has similarly been ignored, no reply or response
Consumer complaint received 2022-10-26
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)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2023-09-04
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: TRUIST FINANCIAL CORPORATION (CA)

This is a a continuation of a problem that CFPB said was resolved on the word of the lender, Service Financial Company LLC, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that Service Financial was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX, XXXX pulled my credit the same day as Service Financial pulled my credit or, who authorized this, because it was me. As a result, my credit score dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know Service Financial is XXXX  XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.
Consumer complaint received 2022-10-26
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. (CA)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX