davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

.In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (OH)

I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act 1. 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
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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)

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 15USC 1681. 

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 604A 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 2023-03-20
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX  with account numbers XXXX and XXXX, and XXXXXXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay account.
Consumer complaint received 2019-09-06
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: CL Holdings LLC (MA)

I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX XXXX XXXX XXXX   Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX  OFFLEASE ON XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-03-20
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX Inquiry, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank charged me 5 separate overdraft fees on XX/XX/19. Those transactions on XX/XX/19 were not authorized to begin with. The money was put back into the account the next day XX/XX/19, but TD bank wiped me out with a {$170.00} fee. Because of this i was unable to keep my online business open, and i was not able to visit with my children. I called the bank and disputed the original transactions and begged them to return the {$170.00} they have stolen from me. I will no longer be their customer.
Consumer complaint received 2022-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good evening, I see that XXXX XXXXXXXX Portfolio Recovery Associates sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a credit card for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXX  in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the XXXX Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to XXXX to make sure to they receive my complaint about this account that should deleted from my credit report.
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Transunion is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I filed chapter XXXX bankruptcy. It was discharged XX/XX/XXXX. 

When it came up for discharge XXXX XXXX XXXX  started claiming late and missed payments. 

I sent them proof of payment in the form of canceled checks and certified mail receipts to validate my claim, that no payments were ever 30 days late or missed. 
After fixing some of their mistakes they continued to report 7 payments, 30 days late for XXXX. 

I hired a credit repair firm and on XX/XX/XXXX they sent letters on my behalf to XXXX and all three credit reporting agencies, XXXX, XXXX, and Experian. 

After reviewing my dispute, XXXX  and XXXX repaired my credit report by removing late payments from my report and are now showing paid and currant payment history for XXXX. 

Experian is how ever still showing - XXXX, XX/XX/XXXX as 30 days late, then, XXXX, XXXX, XXXX, XX/XX/XXXX as currant, then, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX as 30 days late. 

I am including copies of said letter to Experian, along with proof of payment in the form 12 canceled checks and certified mail receipts for XXXX - XX/XX/XXXX and, 12 canceled checks with certified mail receipts for XXXX - XX/XX/XXXX, and proof of XX/XX/XXXX payment with certified mail receipt. As you will see all payments are for exact amount, and there are no late payments or extra payments to bring account currant from XXXX and XX/XX/XXXX.
Consumer complaint received 2018-08-01
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. (TN)

Experian, XXXX  and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need  something done about this especially when they will not validate proof
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX has been constantly calling me even after i told them last year to stop calling me. I have also disputed the alleged debts via certified mail and with the credit bureaus. The company did not provide any account information. All they provided was a computer printout stating that The account has been Sold to XXXX XXXX XXXX They did not provide any contract or any account statements as they are Ordered and Required to do Pursuant to the CFPB Consent Order from XX/XX/2015. Midland continues to collect on debts that they can not provide proof of and harass consumers when told i was busy at work and not to call. This is my final attempt to resolve this issue before getting a consumer protection attorney involved.
Consumer complaint received 2022-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I am on a Homeowners assistance fund application. I was approved and XXXX  paid my loan up to date in XXXX. Then I was switched to Mr Cooper so we had to start all over again. 

Mr cooper is taking their time getting the informaiton to the state of AZ and in the meantime keeps calling me and sending me threatening letters. I told them I am on the HAF and to read the notes. Today XXXX called and I explained to her again I am on the HAF and she said " Well we will continue to call until YOU pay ''. It is them we are waiting on. Mr Cooper needs to get the info requested to AZ so they can pay.
Consumer complaint received 2018-08-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (MI)

NAVIENT Claims I owe around {$16000.00} for my private loan. I have been dealing with them for years. They offer no programs or options that are affordable for me. I can only pay at times on interest and my payoff amount continues to rise. They have called and harassed friends and family members I have never given them contact information for which is incredibly embarrassing. They provide no written information except contracts which are really hard for me to understand. Due to recent flooding I have lost all paper documentation.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I recently checked my credit report and saw a collection from Southwest Credit Systems, which is odd because all of my debts are paid in full or on time. I sent a dispute to XXXX  as it only appears on that report but am unclear how something can be added to my report without providing any information to me prior? As I look into the item more, I see it originated from XXXX, with whom I have current service and an up to date account. Someone at XXXX failed to turn the services off at my prior address and I have been back and forth with them about the amount outstanding, which by the way is not my responsibility as I contacted them 30 days prior to moving. There has been no other letters or communication to me regarding this alleged debt. Therefore, it is illegal to place a collection on my credit, causing me to be negatively impacted, as if this is a debt that belongs to me that I failed to pay. This is NOT my debt and needs to be removed asap!
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (OH)

To whom it may concern.ONLINE INFORMATION SERVICES # XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I have paid this debt in full to the Utilities company.I was told it would be deleted from my credit profile yet the debt still appears on my credit. It was originally with XXXX XXXX and not sure how it got with ONLINE INFORMATION SERVICES.
Consumer complaint received 2018-08-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (OK)

I was in a car accident and had a total loss on my XXXX XXXX. I contacted the lender and made them aware of the total loss, let them know who my insurance was, and that a check would be on it's way. My total loss occurred on XX/XX/XXXX. I followed the processes immediately that were necessary. I stayed in constant communication with the lender and made them aware when XXXX XXXX sent the settlement check. Additionally, I let them know that the GAP insurer would be paying out shortly after, but that the check had to be transferred from XXXX XXXX before they'd pay out. I was told that they couldn't find the check and that it could take up to 4-6 weeks. I called XXXX XXXX and they stated that the check was signed for on XX/XX/XXXX, however it wasn't processed until XX/XX/XXXX. I had to call and throw a fit, giving them the tracking information and name of the person who signed for the check in order to get it applied so that then the GAP insurance would pay out. We are waiting now on the warranty refund to pay out ( which doesn't happen until GAP insurance releases the amount to be refunded ). Now, my payment ( on a note that has gone from XXXX to XXXX ... .so obviously funds have been sent ) because BBVA Compass held onto a check and didn't deposit it for 2 weeks. This greatly delayed my process in getting the account paid off in full and closed. BBVA Compass is now threatening to put a negative mark on my credit if I don't make a payment of {$280.00}. I have another loan with them now for another car and can not make 2 car payments in 1 month when this should have already been paid in full had THEY not delayed the process. They wouldn't even deposit the check they were holding until I threw a fit about it. This is ridiculous.