davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, Members FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Consumer complaint received 2022-03-17
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: Santander Consumer USA Holdings Inc. (NY)

Ive satisfied my obligation in satisfying this account with XXXX XXXX XXXX , XXXX which is the company this account was sold to. I am requesting that you stop reporting this account on my XXXX credit report as it has greatly hurt my ability to obtain credit and caused severe financial and emotional distress. If you chose not to oblige to my request, I will pursue the enforcements of my constitutional rights via federal court proceedings.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-12-16
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. (OR)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-06
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NC)

On XX/XX/2022, I sent filed a complaint stating ACIMA was furnishing inaccurate information to the credit reporting agencies and that I want the information deleted because of these inaccuracies. They responded on XX/XX/2022, stating that they believe they are reporting correct information to the credit reporting agencies and that they have a right to report even after I showed them the law that states my consumer report excludes transactions and experiences from my report. The company said they did their investigation and that everything they were reporting was accurate and true and would send an update to XXXX. 

Well in my credit report I found they were not reporting accurate information and in the letter, they sent me there were a number of inaccuracies. I have attached all of this information to the complaint as proof. 

On my credit report, the date opened does not match what they state in their letter nor does it match said lease agreement. The total balances don't match whats stated on my credit report vs the lease they sent. The signature says it's electronic and it is not my actual wet signature nor did they provide proof of identification to show that it was mine.
Consumer complaint received 2022-10-24
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. (IL)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received two emails from Bank of America, one trying to verify my email address and one notifying me that a credit card application has been received ( I do not have a BoA account ). I spend almost 2 hours talking to 6 different departments and not one single department could help me. I should not have an account with BoA and no one could confirm nor deny that I have an account with them. I had this same instance with XXXX XXXX a year ago and it was solved with a 20-minute phone call. BoA kept giving me different numbers to call and after waiting for 20 minutes each time that department said they couldn't help me.
Consumer complaint received 2022-03-17
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: Credit Karma (TN)

Hello Cfpb. I am writing to you all be side of conflict with Credit Karma. I asked them could I change my email address because I have a new one. They first said Yes. Then they said No. Why. Because I told them we can not expose Our information on line. She would not give me a address to send in information. To the Bureau. She only wanted online openly exposed information sent to Her. I told Her No. I am a anonymous body who work sometimes for law enforcement. She still said No. They will not assist consumers to help change email addresses or anything else private. So I am complaining about this matter and to see if something can be done to get service going again. This should not be a factor at All.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I had contacted Citi regarding my Home Depot card 's allocation of my payments being applied incorrectly. Prior to making the payments ( payment info : {$580.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX ) I updated preferences to allocate excess payments to pay a promotional ( 0 percent interest ) balance that was coming due in XX/XX/XXXX. The company did not apply it as requested. This misapplication will cause me to pay interest in XXXX if not resolved, causing consumer harm. I attempted to resolve this thrice with online customer service agents, indicating the payment is not being allocated appropriately. I received generic responses that did not address the problem at hand. I requested an investigation be conducted, as I am disputed the allocation of payments, which should be covered under either Reg E or Reg Z as incorrect transactions.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent dispute letters to the three major bureaus, Experian, XXXX, and XXXX dated on XX/XX/2022. These letters were sent certified mail with a return receipt. 

The return receipts were stamped on : XXXX XX/XX/2022 Experian XX/XX/2022 XXXX XX/XX/2022. 

I sent a 30 Day No Response Letter on XX/XX/2022 ( for XXXX ) and XX/XX/2022 ( Experian & XXXX ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. That did not happen and now they are refusing to remove the unverified accounts. 

I would like the accounts that were not received within 30 days to be removed permanently from my report.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
US DEPT OF EDXXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CT)

XXXX submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Lending Club ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Consumer complaint received 2022-03-17
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (UT)

I got a monitoring alert, today, XX/XX/XXXX, that Jpmcb Card pulled my credit report, but I never applied for anything today or with them. It was done without my concent or fraud is happening.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I'd contacted Chase Credit Card services to dispute a charge with a vendor. They began an investigation. I then noticed later that there was a credit on my account for the charge from the vendor. I was told when I called Chase BACK that the credit was NOT from the vendor but from CHASE pending their investigation. I then proceeded to deal with the vendor accordingly, filing complaints with Consumer Affairs and the XXXX XXXX XXXX I also had posted reviews of the company on line, all of this based on the information I'd received from Chase. The vendor continued to insist that THEY had given me a credit on XX/XX/XXXX and that it must be " in process. '' I contacted Chase AGAIN on XX/XX/XXXX and was told AGAIN that the vendor had NOT given me a credit and that the vendor was misinforming me. I then proceeded accordingly based on the information Chase had given me. I called Chase again on XX/XX/XXXX and was told at that time that the vendor HAD processed the credit on XXXX and that there WAS no credit from Chase at that time. I had been misinformed by at least 2 people at Chase customer service. They are now refusing to acknowledge their mistakes. I spoke to XXXX from their Executive offices yesterday and he claims there WAS no phone call on XXXX. I have proof in my phone records but they refuse to look at my proof. I just want a letter acknowledging their mistakes in case the vendor decides to pursue action against me. I don't think this is unreasonable.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.