davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (MD)

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. These letters were sent XX/XX/XXXX for which I have certified mail receipts. It has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature. 

This complaint was originally sent and received by EQUIFAX on XX/XX/2023 to which the Company failed to respond with proper verification or presentation of permissible purpose for any of the alleged inquiries to be furnished upon my consumer report within 30 days. They responded on XX/XX/2023, which is well after the 30 days response timeframe. They also completely failed to present " My WRITTEN CONSENT/PERMISSION '' to furnish such alleged information. An identity theft report was also filed for they assume " My IDENTITY '' for they openly violate my rights to privacy and continue to do report information in my name that I have NOT given WRITTEN/PERMISSION for. 

This is clear violation of 15 USC 1681b ( 2 ) and has resulted in several months now of violations concerning consumer 's ( XXXX XXXX ) RIGHT TO PRIVACY and also DEFAMATION OF CHARACTER. 

Each of the illegally furnished inquiries result in a violation that is equal to {$1000.00} violation per 15 USC 1681o Civil Liability for negligent noncompliance.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute for Removal of Inaccurate Information Digital Employee Federal ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from Digital Employee Federal, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

# 4 ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN EXPERIAN XXXX XXXX XXXX ALSO XXXX DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (CA)

I was not having success processing a payment via the credit card app so I called to process a payment. I was told the payment would be made but it never was. Weeks later, I followed up about the payment was able to process the payment for the month. I only processed one payment and confirmed for one payment. A few days later, an additional payment was processed that I did not authorize. I attempted on more than three occasions to receive help from customer service over the phone and online and I was rejected from any help in regard to the issue. I was denied any help for processing a payment without my authorization so I reported the transaction to my bank and then my credit card was blocked.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Submitted a dispute with Transunion about removing XXXX XXXX account since it was reporting a XXXX balance. Their investigation did not resolve the issue. They are now adding a balance to a closed account.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Equifax has reported this wrong address on my account for years.I keep sending my Driver license Social Security card in my car registration to have this matter updated and the XXXX XXXX XXXX XXXX XXXX address removed and my address on my license added this been a on going battle.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IA)

Requested debt validation via certified letter on XX/XX/year>, i received a letter from XXXX XXXX dated XX/XX/year> stating they are ceasing debt collection due to not being able to validate this debt.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NM)

On XX/XX/year>, I initiated an XXXX transfer from XXXX XXXX that had $ XXXX cash to my account at Robinhood. Robinhood reported the transfer complete but only reported a DEBIT of {$49.00}, reversing the intent of the transfer in. They have told me wrongly that I would have to perform another transfer request, which XXXX XXXX said wouldn't work as they are holding the funds under the previous transfer request until Robinhood accepts it. Robinhood seems completely confused and clueless about this.
Consumer complaint received 2023-11-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has yet to reimburse the checks they let get confiscated from my account all im asking is for them to fix this situation I know my information was stolen Bank of America know that there has been a female whos not me that has been stealing funds from my account so far most of my funds have been returned besides my XXXX and my XXXX I want resolution im tired of complaining I just want my money returned to me in peac without all of this hassle I need my funds to live and take care of my business here at my home Im behind because of the lack of help from this bank its horrible
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NC)

Yesterday I received a call for the second time about a payment that was " past due ''. I informed them that my loan was specifically purchased with a lower interest rate for autopay. If there system is working there is no possibility for a late payment, and I prove with bank statements I have had the funds in my account the whole time. I had them manually pay so the bill would not be past due, and they said it should be fixed and autopay should work the next time. 
Today I received another call asking to pay a past due fee. I explained again that my loan was purchased on an autopay plan. There is no reason there should be a past due fee because how can I be responsible for missing a payment I was not responsible for initiating. 
This is the second time Sallie Mae has tried to do this with a student loan for me. I think they are purposefully manipulating the autopay system to get more money out of people, and I am sick of dealing with their harassing phone calls over this.
Consumer complaint received 2023-04-11
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. (LA)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I had a checking account and lost my debit ( card ending in XXXX ) and had someone buy XXXX and gas. Citibank closed my account because of this and not allowing me to reopen it. This was a fraud situation. 

Also, they have reported me to XXXX and I am not able to get another account because of this negative remarks. I am asking to be removed from this system and able to open an account some where.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
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. (MI)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-09
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. (GA)

Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on Transunion and XXXX. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I have disputed the late payments on this XXXX/XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (TX)

In XXXX I purchased a car from Chapmans Las Vegas Dodge LLC which the loan was passed over to Pac Auto Finance which is no where on the contract. A security interest was born, which is Security Fraud on behalf of Chapmans Las Vegas Dodge LLC They committed identity theft as well as securitizing the security to another bank unnamed in the contract the only way any company can move a security is through a federal reserve bank to securitize through the treasury. Im sending the contract back revoking all security interest.