davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-22
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. (GA)

reviewed my consumer report on XX/XX/2024, and I noticed several inaccurate and incorrect information on my consumer report. They are reporting inaccurate and incorrect information in consumer reports concerning me that they have been compiled and published to third parties. The following trade line items are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of all 3 consumer reporting agencies for each account with just a few highlighted examples of the inaccurate and incomplete information. I am aware that I have rights under the FCRA and request that you fully comply with the law to my request.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-07-07
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. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Im an active customer of Bank of America. I had held the credit card account for about XXXX years. I had a balance on the account which was paid off in full. My account was then later closed for inactivity. I attempted to resolved the issue with the bank. They told me its nothing they can do because it was closed already in the system. My credit was effected by this decision negatively. My account was always in good standing.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (FL)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (MA)

XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Dispute of Debt and Request for Investigation into Collection Agency Practices Dear CFPB, I am writing to formally dispute a debt collection attempt by [ BONNEVILLE COLLECTIONS ] regarding an alleged debt. I am requesting your assistance in investigating their practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Dispute of Debt : I am disputing any and all debts claimed by [ BONNEVILLE COLLECTIONS ]. I have not received any documentation or validation information from them to substantiate this alleged debt. This is in violation of 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide validation information within five days upon initial communication.

Revocation of Communication : Furthermore, I am revoking all rights of [ BONNEVILLE COLLECTIONS ] to communicate with me through any means, including email, text messages, or phone calls. All future communication must be sent through certified mail addressed solely to my attorney. This is in accordance with my rights under the FDCPA.

Additional Requests : I request debt validation from [ BONNEVILLE COLLECTIONS ], as mandated by 12 CFR 1006.34 ( b ) ( 5 ).

I request a copy of the purchase agreement between [ BONNEVILLE COLLECTIONS ] and the original creditor.

I request proof that [ BONNEVILLE COLLECTIONS ] is licensed and bonded to operate in my state.

Alleged Violations of Consumer Rights : [ BONNEVILLE COLLECTIONS ] has not provided me with an opportunity to dispute the alleged debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

[ BONNEVILLE COLLECTIONS ] is using false, misleading, misrepresentative, and deceptive means to collect a debt, in violation of the FDCPA.

[ BONNEVILLE COLLECTIONS ] has furnished the alleged debt to credit reporting agencies without providing any disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge the CFPB to investigate these practices by [ BONNEVILLE COLLECTIONS ] and take appropriate action to ensure they comply with the FDCPA and other consumer protection laws. I request to be kept informed of the investigation 's progress and outcome. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> at XXXX XXXX, I received an email from capital one stating that my phone number was updated. Soon after I received another email stating that I was approved for a XXXX credit card along with my name. One minute later at XXXX XXXX, I received a third email stating Thanks for going paperless!, along with my name as well. The fourth and last email I received stated Confirming youve gone paperless along with my name and the last 4 digits of the account. 
I called the bank Capitol One and explained that I have never applied for any credit cards or have capitol one as a bank. They explained to me that there was in fact an account opened with my information and that there will now be an investigation in order to ensure that it is fraudulent.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This complaint is in reference to XXXXXXXX XXXX  with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a 3rd party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately.

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED immediately.
Consumer complaint received 2023-03-06
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian continues to report an alleged collection I do not owe and it has been canceled. As Experian knows canceled debt is considered income and can not be reported to the consumer report. 


( 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 2024-03-22
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-03-06
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. (CO)

On ( XX/XX/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-06
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. (TX)

I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (RI)

I was offered a plan to reduce my interest and lower my payments. When I enrolled in the program multiple agents told me that after 3 consecutive payments, my account would be current and my minimum due would revert back to 1 month owed. After 3 months I was told over and over by agents that it would be reflected next month. This went on for 3 months. Finally Discover admitted that even though multiple agents had promised this, they were not going to honor it. I attempted to file complaints and speak to management and the only person they would let me speak to is a customer service supervisor. These conversations ( both text and call ) are recorded.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Americor Funding, LLC (RI)

XXXX. At the beginning of the loan, my family ran into a vet emergency. I expressed a personal emergency stating that the payment would be late, but to set up a payment of {$1000.00} before the next due date for payment. When I paid the XXXX dollars my balance did not decrease by {$1000.00}. 

XXXX. A month or two later, my wife had an emergency XXXX. I messaged the company Credit9, who, then proceeded to tell me that I couldnt do what I just explained in number one. 

XXXX. After letting number two go by for sometime, I reached back out to make a payment on the account. This is when I was told direct deposit had to be turned on to make a payment yet its my right as a consumer to not turn on direct withdrawals from my accounts. The company wouldnt let me make payments without turning this on. I never gave them permission to turn it on. 

XXXX. Month passed by as I tried to get other financials under control in addition to the bills from those emergencies. I continue to monitor the account but wasnt able to make payments. Their app is telling me the loan is completed after a payment of over {$10000.00}. I asked for financial statements, showing me where this money came from. The company has yet to respond. 

XXXX. I have screenshots of these Deceptive practices, and they still continue to this day.
Consumer complaint received 2021-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

I had take a student loan out through my local credit union which was routed through University Accounting Services referred to as UAS from here. I have experience in loans and finance and believe their tactics are predatory. 

Although through UAS they have several companies like XXXX XXXX  and XXXX XXXX. I updated my address with UAS and checked the balances to ensure I was not past due which made sense given I just graduated. 

After this my father and I received a delequincy notification from the provider. Trying to make this right I called UAS which was the company on the bill saying past due. They informed me that everything was fine and it was likely an issue on the credit scoring company. A month later I get a second delinquency notification. After calling back I found out they weren't looking at both companies they owned and had two separate portals for their loans. Because of this despite calling and trying to pay I was not getting bills to the right address, and it showed now balance in my portal. 

Having two separate portals and treating them as two separate services is very deceptive in my opinion. As a consumer I am still dealing with this and now have had my credit score dropped over 100 points and have waited 15 days for a response after being told to email the company and complete aforebance form despite multiple follow-ups. The worst part is I have stated multiple times I am fine paying them if I owe money on my loan and set-up monthly payments to ensure there is no issue but I have been meeting with hostility. 

The company has framed it as my fault I didn't understand they own two separate loan providers despite both being owned by there company. 

Once XXXX comes if they have not fixed it I will have had a triple month delinquency. This is affecting both my father and I and could very well likely delay my ability to purchase a home due to the massive credit score drop.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'd like to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. I kindly request that you thoroughly review and rectify the inaccurate information on my credit report. In light of the current economic challenges, it is critical that incorrect data does not negatively impact my credit score. So I need this account removed immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (MT)

PAYMENTS WERE MADE BY SOMEONE ( NOW DECEASED ) NOT BY ME AND SO I REIMBURSED THEM DIRECTLY. THEN A FEW MONTHS LATER PAYMENTS WERE REVERSED AND MADE ME XXXX OVER MY LIMIT. I DISPUTED THESE REVERSALS AND EXPLAINED THE SITUATION BUT NOW THAT PERSON IS DECEASED ( XXXX ) AND I WANT TO CLOSE THIS CREDIT CARD AND PAY THE XXXX THAT I AM LIABLE FOR ONLY. 

THIS COMPANY CAPITAL ONE REFUSED TO COMPLY. I HAVE SENT SEVERAL LETTERS AND THEY KEEP BILLING ME FRO XXXX AND NOT WILLING TO NEGOTIATE AND CAUSING MY XXXX XXXX TO REMAIN LOW.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

Originally had 2 charges {$1700.00} from ELEVATE RECOVERIES LLC Last reported XX/XX/XXXX {$1700.00} Open balance XXXX XXXX XXXX Original XXXX XXXX was removed because it was False, tried to contact and company wanted my social dob and a credit card to get my report to dispute. I had my XXXX  records pulled and I have not been to a XXXX  or XXXX  XXXX  since XXXX. I would like this removed asap thanks