davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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. (CA)

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX On XX/XX/XXXX sent letter to USBK COURT XXXX  VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and Lexis Nexis letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.
Consumer complaint received 2021-09-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.
Consumer complaint received 2024-03-18
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. (NC)

I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XX/XX/year> I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, including consumer reporting agencies for any purpose, other than those necessary to provide me with financial products or services. I provided this opt out notice, accordance with the legal requirements outlined in 15 united state code 6802, and I have retained documentation of my communication with the institution. Despite my explicit opt out request and my clear assertion of my rights under the Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for Identity theft fraud, or other financial harm. I kindly request that the consumer, financial protection bureau, investigate this matter thoroughly and take appropriate actions to ensure that XXXX complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by XXXX please feel free to contact me via email at XXXX If you require any further information or documentation to proceed with the investigation, I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am holding Checking Account with Bank of America way back from 2010 Last year in Covid due to personal emergency I had to withdraw the fund and due to which I went low on balance and I was started charging fees Due to personal situation I did not got a chance to review the account and was keep getting charged for 12 months around XXXX $ I spoke to them and request to wave the fees but they are not considering the same I had another saving account link to the same account and have enough balance but they are not considering that
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ).

The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

XX/XX/2022 Three members of my family had their Experian accounts compromised. There is no two factor authentication which is unacceptable. None of us were notified that our login credentials were changed and assigned to an unknown email address. This problem is prevalent with Experian and when contacting them their only response is " we take security seriously ''. 

Their system give me zero option to talk to a live person. They should be fined for their negligence.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I am sending this dispute letter on my behalf. 
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Consumer complaint received 2022-09-15
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. (NJ)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection accounts. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Collection XXXX SELF-REPORTED # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX SELF-REPORTED # XXXXXXXX XXXX SELF-REPORTED # XXXX
Consumer complaint received 2023-01-21
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. (IL)

In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, XXXX, XXXX, had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called XXXX to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called Experian to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 I received a text asking if I authorized a XXXX  transfer. I text back saying NO I didn't. Then a text saying a rep from Bank of America will be calling me. Phone rang it said b of a. The rep explain to me that a two transfers were about to happen one for a XXXX and one for XXXX and then explain to me the way to stop it reverse it. When in fact it sent it. I was scammed the whole entire thing was a scam. The rep on the phone told me the transfer was from someone named XXXX XXXX XXXX XXXX my Bank of America here in XXXX knows all the information they are not helping, they sent me a letter saying that the transfer was good and there's no more investigation, when in fact the whole thing was a scam. I never authorized money to be sent and I have the text to prove it they closed it said they're doing nothing about it and then I contacted XXXX I've also contacted XXXX. Now XXXX told me the same thing that there's nothing they can do once money is sent and I authorized it I didn't authorize this though that's the problem I didn't allow anybody to take money I didn't send money to anybody.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

During XXXX data breach my card was wrongfully used. I accrued over {$1000.00} in fees that XXXX  reversed but Wells Fargo would not and closed my account. I am no longer allowed to have a Wells Fargo account due to this
Consumer complaint received 2023-06-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (NJ)

Hello, I have been disputing the dept of education/nelnet duplicate account with the credit bureaus for a few years and they have updated my account to paying as agreed and that its open. These accounts names above aren't accurate and I don't know how these accounts got on my report. My state taxes have been held by the set off program for the past 2 years unjustly after my multiple attempts to resolve this debt by sending in my notarized dispute affidavit on XX/XX/2022 and I received no response. Being that I received no response to my dispute affidavit from XXXX XXXX, the information in my is counted as fact and I need the duplicate accounts on my credit report removed entirely and the hold lifted from my state taxes effective immediately.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

My PayPal account was permanently restricted on XX/XX/XXXX, but I could have sworn I didn't make any fraudulent orders! 
then I approached customer service and asked for a reason, but they refused, saying " this is a final decision '' and " security reasons can not be communicated ''. 
I've been using my PayPal for online transactions and have applied for a PayPal debit card, I can't figure out what the reason is, please at least let me know why, it's like a black box! 
I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX at the time, and after a month it still says that this is the final decision and won't tell me why!
Consumer complaint received 2024-03-18
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. (MD)

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( XXXX ). 
This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( XXXX, Equifax, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Consumer complaint received 2023-01-21
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: First Credit Services Inc. (FL)

In accordance with the Fair Credit Reporting act, FIRST CREDIT SERVICES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Consumer complaint received 2021-09-29
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: JPMORGAN CHASE & CO. (IL)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To XXXX, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello I have one credit card left on my account that I have been trying to dispute for almost two years. I had total of 3 credit cards, now I just have one because I paid off the other two. again I was trying to dispute it but the capitol one company have been giving me hard time.the account is close and send to debt collection. Again I paid the other two and I told them between the two cards I gave you guys XXXX is it something that can be done with the last card. I paid the other two XX/XX/XXXX  and XX/XX/. This last card is XXXX balance on it the last payment I made on it wasXX/XX/XXXX. The account status is closed, and Its charged off as bad debt canceled by credit grantor. They have no information of me. They been hounding me for the money ever since and its affecting my credit score drastically.
Consumer complaint received 2021-09-29
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX BANK-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXXBalance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) -Balance : $ XXXX-Date Opened : XX/XX/XXXX 2020