davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (GA)

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

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC ()

My loans with Fay Servicing have Taxes and Insurance taken out every month from my bank. Fay Servicing is stating despite them taking out Insurance and Taxes, they are not willing to pay the insurance to my insurance carrier. Please see below email. 

Hi XXXX, Checked in with them this morning and they are rejecting both XXXX XXXX XXXX and also XXXX XXXX XXXX. 

Have called them twice this morning and talked to 2 different people and both said it was ok and then they got a note from their escrow dept that said no they would not be making the payments.

Told them I had paperwork showing you are paying the taxes and insurance through the escrow and they are saying only taxes. Not sure how they came up with that one. 

Gave the last person I talked to my contact information and she said she would call me if she could get it changed. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX office : ( XXXX ) XXXX fax : ( XXXX ) XXXX
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2021, I sent a dispute to XXXX, Experian, and XXXX. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (FL)

Beginning in XXXX of XXXX I signed up for XXXX insurance on my zales store card. I've made the payments every month, and my billing statements show the transactions. In XXXX of XXXX  I had XXXX that left me out of work for more than 30 days, when I attempted to exercise my benefits I was told I had no XXXX insurance. They began a new policy for XXXX insurance even though I assured them I had the insurance already. I went through multiple stages to try and work with Zales as well as account assure to find my information, but they continue to say they can't find the information and inform me they are escalating the problem. This has been over a month now and they are still saying there is no record of my benefits even though I have the billing statements to prove otherwise. Account assure and Zales are both refusing to honor the benefits that I have put in place, and have continued to fraudulently charge me for my XXXX benefits.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TN)

I recently received a copy of my credit report, and I noticed a collection posted on my credit report from Paramount Recover System.There has'nt been any documents provided stating this is a factual account. Also, this account appears to be purchased from another company. 

This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY 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.

I did not give them written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information sold to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have a XXXX XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Consumer complaint received 2023-03-13
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: World Acceptance Corporation (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.
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 information incorrect
Company: EQUIFAX, INC. (FL)

Whenever Equifax reports a dispute, they update the date reported. I have a closed account with XXXX that was settled. There is a current tradeline of " date of major delinquency reported '' that shows XX/XX/XXXX. That is completely inaccurate. The major delinquency was caused by XXXX  and occured in XXXX, and was settle in XXXX of XXXX. This is causing Fico to report the most recent late payment on the account to be only on month old, as well as a huge dip in my credit score which is affecting my ability to obtain a mortgage. 

I also requested through Equifax that the most recent dispute that was filed at the end of XXXX be deleted. I was assured that it would be deleted within 7-10 business days. It has been over three weeks since I made was told that the dispute would be deleted and it still remains on my credit report.
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 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 5 p.m. 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 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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. (IL)

The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-07-10
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. (PA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consent.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refuses to refund me for XXXX ( Authorized push payment fraud ). They said they are not responsible for the authorized wire from XXXX XXXX which turned out to be fraud/scam on XX/XX/XXXX. I lost $ XXXX and I am not alone, there are at least 10 others I know of. The wire recipient bank ( XXXX XXXX ) won't share any information with me either because I don't have account with them. XXXX XXXX has said they will comply with authorities and that they need a court order or subpoena to share information. Obviously XXXX XXXX XXXX  XXXX methods didn't work if they allowed a scammer to open accounts and use it for money laundering. 

On XX/XX/XXXX, I wired XXXX XXXX from bank of america to XXXX Trading for investment of the XXXX XXXX XXXX XXXX. I saw earnings and sent another XXXX XXXX  in XX/XX/XXXX ; Saw earnings of $ XXXX until XX/XX/XXXX when I could not login to XXXX nor call because phones disconnected and emails returned. I could not contact anyone at the XXXX XXXX XXXX nor XXXX Trading ; I immediately told my bank regarding the wire fraud/scam and they did recall the wire from XXXX XXXX bank XXXX XXXX XXXX bank is the recipient bank ; I asked bank of america for my money bank due to the Authorized Push Payment Fraud ; They said from the beginning that money back/refund is NOT a guarantee because time has passed between XXXX to XX/XX/XXXX. I had access to XXXX account from XXXX to XXXX that's why I didn't complain. XXXX XXXX just dissappeared and took all investors money with them.
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

I recently borrowed {$800.00} for XXXX XXXX. I have already repaid {$1000.00} back to them! They say I still owe them {$2000.00}!! I cant believe this is legal? I would have never agreed to borrow {$800.00} for {$3000.00}!! I was in a financial situation, yes! However, I wouldnt have accepted this loan!! This is crazy!! What is 919.3012 % Annual Percentage Rate? This cant be legal? This company takes advantage of the disadvantage!! Under any terms, Its unfair!!
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00}
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX