davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, I made a purchase of tires from XXXX XXXX XXXX XXXX for a total amount of {$940.00}. 
Unfortunately, I encountered significant issues with the items purchased, as they were not as described and proved to be defective. I attempted to resolve this issue directly with the merchant, but my efforts were met with unsatisfactory responses. 
XXXX XXXX XXXX XXXX initially referred me to the tire manufacturer, which I found to be an unacceptable resolution. I firmly believe that the merchant of record, XXXX XXXX XXXX XXXX, is the liable point of contact for this dispute, in accordance with my credit card issuer 's policies.

I followed the proper procedure for returning the tires to XXXX XXXX XXXX XXXX, and the merchant has acknowledged receiving the returned tires, which I personally dropped off at their location. Despite this, my request for a refund was unjustly denied. 
I must emphasize that XXXX XXXX XXXX XXXX did not communicate their return policy, including any stipulations regarding returns or refunds, prior to the purchase. Moreover, there is no signage within the store or a website that provides this information. The merchant 's stamp on the purchase receipt indicating " no returns or refunds '' was never mentioned during the transaction. This is a critical point, as it is my understanding that the merchant 's return policy should have no bearing on disputes that fall under Reason Code 53 : Not as Described or Defective Merchandise.

Furthermore, I possess documentation from XXXX XXXX XXXX,  a reputable automotive service provider, stating that the tires were indeed defective. This information has been made available to you previously.They professionally inspected the tires using proper equipment, including a XXXX XXXX XXXX  balancing machine. In stark contrast, XXXX XXXX  XXXX XXXX lacks the necessary equipment for such comprehensive testing and declined to seek a neutral third-party opinion regarding the tires ' condition. 

If you require any further information or clarification regarding this dispute, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure a just resolution. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (TX)

Dear XXXX, I am writing to you to formally notify Equifax, XXXX the Consumer Financial Protection Bureau XXXX CFPB ), of my status as a victim of XXXX XXXX, as per Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). 

Enclosed, please find copies of documents that were sent via XXXX on XX/XX/2024, including : *XXXX XXXX XXXX XXXX  *XXXX XXXX XXXX  *Government Issued ID, as required by 12 CFR 1022.142 ( b ) ( 1 ) These documents serve as evidence of my situation as a XXXX XXXX XXXX XXXX and my request for assistance in accordance with Regulation V. 

I am requesting that Equifax takes immediate action to block the accounts referenced in the attached Self Attestation Affidavit from my consumer report, as mandated by Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). Despite my previous correspondence and submission of required documentation, Equifax has not yet complied with Regulation V. 

I urge Equifax to promptly address this matter and take the necessary steps to ensure compliance with Regulation V in order to protect my rights and privacy as a XXXX XXXX XXXX XXXX 

Please acknowledge receipt of this notice and provide confirmation of the actions taken to comply with my request. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-06-27
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. (CA)

Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF ED/XXXX Account Numbers : XXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy.

15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes.

15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information.

15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Consumer complaint received 2020-03-13
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. (UT)

XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/2024 before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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)

I was shocked to find inaccurate accounts on my credit report this morning and I have no idea how they got there. I routinely check my credit report, and this time, I discovered errors that came out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the errors stayed. Despite my efforts, the inaccurate accounts remained. I'm asking for a thorough review of the documents I've sent so I can have peace of mind moving forward.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TX)

American Profit Recovery flagged my account as collection on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount XXXX THIS NOT MY ACCOUNT.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (GA)

I have tried to open an checking account at the XXXX XXXX  seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting XXXX and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting XXXX and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Consumer complaint received 2023-12-28
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. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my chex systems file. I have been fighting chex systems to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from chex systems  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact Chex Systems. it is a burden to me and not getting no resultion.
Consumer complaint received 2023-03-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.
Consumer complaint received 2023-09-12
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. (PA)

Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, Experian is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX Portfolio Recovery and I made arrangements to pay off this account and they would delete it from my credit. I have a letter they sent me. On XXXX XXXX XXXX XXXX sent a check to Portfolio Recovery was sent the full amount I negotiated with them. Although the check was mailed, they argued they had not received the check. I confirmed with the title company, and they confirmed the address they used for mailing the check was correct. Portfolio Recovery confirmed with the title company that they had received the check, but they were telling me they hadn't received it. The title company had to place a stop payment on it, and overnight them a new check on XXXX. Portfolio Recovery then sent a letter dated XXXX that my payment had been received and that the account would be deleted from my credit report within 30 days. The account was deleted from XXXX  and XXXX  but not from XXXX  because Portfolio Recovery refused to confirm that the check issued by the title company had cleared. My credit report dated XX/XX/XXXX still shows this account. Portfolio Recovery refused to uphold their end of the agreement, and due to that, I can not buy a home at this time. My lender can not qualify me with this collection on my credit report
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (MO)

Account in question : Onemain XXXX  Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo about fraudulent transactions on my account and it was not investigated. I contacted Wells Fargo after trying to resolve the issue with cash app but I had no assistance from neither parties. Im currently out of {$4000.00} and they closed my account.
Consumer complaint received 2023-09-12
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. (FL)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-09-12
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. (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX  purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of the FCRA
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MO)

Hello Consumer Department, I had Old Navy Credit card from last 10 years and never ever miss any payments. Last Talking with XXXX she is so rude from old navy fraud and investigation department, her ID XXXX Fraud Transaction details : XXXX XX/XX/2023 {$230.00} XXXX XX/XX/2203 {$13.00} XXXX XX/XX/2023 {$140.00} Old navy last card, I remember XXXX.