davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (AZ)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Act # XXXX XXXXDept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 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. 1666B : A creditor may not treat a payment on a credit account under an open end consumer as late for any purpose.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC (CA)

I am having difficulties with buying a house and applying for new credit cards. I paid the account FLURISH INC DBA LENDUP and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this negative mark from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX 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 reportinn 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 any purpose.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (MI)

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted EQUIFAX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivable Collection Services, LLC (NJ)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

This company has called me constantly to collect a debt. I received a letter XXXX for debt validation they could not provide me legit documentation. I asked if a photo ID was given please provide it, the customer service rep tried speaking over me and begin to hang up the phone on me.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NV)

Essentially I was verbally told I would have points waived in order to qualify for rate I was quoted by the Citibank lending agent team. One week prior to closing I was told discounts were already applied and that I only had two options : 1 ) pay higher interest OR 2 ) use points to buy down to initial rate quote ( this was on a 60 day lock ) I chose to got with buy down option, which cost me ~ {$1500.00} to secure the lower interest rate, which agent said would be waived. 

Loan has since been given to XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but XXXX of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of 2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

My name is 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 2023-07-13
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. (PA)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent a letter to remove these inquiry and personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (NY)

I just got a call from Unifin saying they're collecting on a credit card debt of {$3800.00}. They had my name, last 4 of SSN, and DOB. They say the last payment was XX/XX/year>. I live in NY, the statute of limitations is 3 years for CC debt here to my understanding. 

The phone rep wanted me to pay ON THE SPOT on the phone. I said no, that even IF they can demonstrate that this is my debt ( I neither confirmed nor denied that it is because I honestly do not know, I didn't receive any documents, just this phone call ) I am not paying because I am no longer legally liable for it. The phone rep said that I AM *legally* obligated to pay it. I told her she's wrong, reiterated the 3 year SOL, and hung up the phone.
Consumer complaint received 2020-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-17
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. (OH)

I have a XXXX  XXXX XXXX  credit card. Made a payment in XX/XX/XXXX for XXXX. They never showed this on my report. Filed a dispute with equifax. Never resolved. Paid account in full on XX/XX/2020. Never showed on report. Filed another dispute. Still reporting I am behind on my payments and have not made payments. Just checked on today XX/XX/2020. What can I do to get this matter resolved.
Consumer complaint received 2023-01-08
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. (PA)

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$1100.00} and {$610.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2020-03-17
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. (UT)

I was part of the group effected by the Equifax breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX year of birth " XXXX '' The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on my credit report?
Consumer complaint received 2023-07-13
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 these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Consumer complaint received 2023-02-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX & XXXX BANK HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

Subject : Urgent Dispute and Documentation Request for CitiCards Account No. Ending in XXXX Dear Sir/Madam, I am reaching out to urgently request the Consumer Financial Protection Bureaus intervention regarding discrepancies and unresolved issues with my CitiCards secured credit account, ending in XXXX. This account was initiated on XX/XX/XXXX, with a {$200.00} deposit aimed at credit rebuilding. 

Key Concerns : 1. Unexplained Interest and Balance Discrepancies : Post deposit, I noted accruing interest, leading to an unexpected balance that contradicted my credit rebuilding intent.

2. Credit Report Inconsistency : My XXXX report dated XX/XX/XXXX, indicates a {$310.00} debt, conflicting with my XX/XX/XXXX, statement showing $ XXXXbelow my initial deposit. 
XXXX. Account Charge-Off : Despite unclear communication, the account was closed and charged-off at {$310.00} around XX/XX/XXXX. 

Requests for CFPB Action : - Investigate and clarify the basis for the {$310.00} charge-off and report discrepancy. 
- Detail how my {$200.00} deposit was utilized against the accounts balance.

- Provide insights into the interest charges leading to the current reported balance.

This situation is critical as I am endeavoring to rectify my credit report for imminent financial activities. I have attempted to resolve these issues directly with CitiCards but have not received satisfactory responses or documentation.

Attached are relevant documents, including my credit report updates and the final account statement. I respectfully request CFPBs assistance in rectifying these discrepancies within the 30-day response period mandated by the FCRA and FCBA.

Your immediate attention to this matter will be greatly appreciated as I seek to ensure the integrity of my credit information.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (CO)

Since last summer, around XXXX or XXXX of XXXX, I have been unable to access my Upgrade account. I had dropped my phone in a swimming pool, and it was irretrievably broken. I had to get a new phone and a new phone number. However, I purchased the phone at a XXXX along with a prepaid card. Therefore, I do not receive a bill. I do not have any account statements, other than my original purchase receipt. 
When trying to access my Upgrade account, their security functions are set that a code must be sent to the phone number on file,. I called to get my number changed, and they said they needed a phone bill. I have called numerous times, and spoken with numerous agents, that this is not possible. I have sent them very sensitive information like copies of my passport, driver 's license, copy of the phone purchase receipt ( that could be used to tie back to my phones serial number if they had cared to resolve my issue ), my social security card, a picture of me and my upgrade cards and finally, a video of me with my driver 's license. None of this is enough. I can not retrieve my balance, interest rates, charges, statements, etc. I am VERY frustrated. I suffer from XXXX and this issue has caused me extreme stress