davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, 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 an 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 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Re : Equifax It was recently necessary to unfreeze my credit reports. XXXX  and XXXX  were no problem. Going on line with Equifax was frustrating and unsucessful. I had to call them numerous times, sat on hold for a total of more than 3 hours and was repeatedly disconnected when transfered from one agent to another. The final agent was uncooperative and kept asking about ancient credit card accounts for which I had no recent statements or cards. Although they all had XXXX balances, she would not allow me to change passwords or access the account.I recieved a letter after sending copies of my drivers license and XXXX card regarding inaccurate information on the account. There was none, nor did I complain about any. My credit scores are among the highest possible and I am not a deadbeat trying to better a poor score. It was completely inappropriate to treat a credit worthy consumer this way. 
I complained to the supervisor about the agent Equifax must be made aware that major changes are necessary. 











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Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. 
I never received anything from this company. 
They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MN)

This is a XXXX Bill in which it has been paid I have had this removed XXXX times already and once removed the company sales to a new collection agency a they put it back on my credit report! Its already been removed from XXXX XXXXXXXX, and XXXX other companies I would love for this to stop also its showing as a new account opened in XXXX of XXXX which is a lie!!!!
Consumer complaint received 2020-10-16
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. (TX)

I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-02-05
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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

Southwest credit systems, XXXX XXXX XXXX, XXXX, XXXX  XXXX  XXXX  XXXX. I do not owe I sent by mail all its equipment and demanded a return to remove affixed  stuff. XXXX  was paid and theres no remaining cost
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2020-10-16
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. (CT)

CFPB allowed Experian to closed dispute number XXXX as a " duplicate '' which is far from the truth. 

Experian 's complete and utter failure to make the corrections previously reported, does not make this dispute duplicative. It makes is a violation under the Fair Credit Reporting Act. 

Marking this has duplicative ignores the rights under FCRA including but not limited to : The right to dispute incomplete or inaccurate information Experian must correct or delete inaccurate, incomplete, or unverifiable information It is not optional. Experian must make the corrections and they have had more than ample time to make the corrections. They have failed to do so. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2015-12-22
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CA)

I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )
Consumer complaint received 2022-08-15
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. (VA)

On XX/XX/2022 a letter was sent to Experian to inquire about why a public record was reporting on my credit and their response was that XXXX XXXX had reported the account. On XX/XX/2022 I followed up with a letter and included the XXXX XXXX report as well as a letter from the United States Bankruptcy Court to prove that the information that Experian claimed was correct, was not factual. Experian did not respond to my investigation. On XX/XX/2022 I again wrote them a letter, and sent via certified mail, stating that they are reporting incorrect information due to their method of verification and to immediately delete this incorrect reporting. They responded on XX/XX/XXXX stating that they had verified with XXXX XXXX that the information they are reporting was correct even though I once again provided the proper documentation to prove that they did not investigate. As my final attempt, I wrote a letter via certified mail requesting the removal of the incorrect information dated for XX/XX/2022 and mailed on XX/XX/2022. By XX/XX/XXXX, LESS than 6  Business days, they had already investigated and closed my dispute. I am concerned that during the 6 months since my initial inquiry, Experian did not in fact investigate my dispute and instead made a decision without any factual information causing me to have a lower credit score and affecting lending decisions.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

In XX/XX/2020 I put an XXXX XXXX freeze on my report and also identity theft freeze on my account because I was a victim of identity theft. Equifax after I submitted a complaint to the CFPB decided to remove my freezes without my consent leaving me vulnerable. They have committed a crime of debt parking for several accounts and refuse to block them. They have also violated my right to have a credit that is equitable per the FTC. When investigating a consumer report, Equifax should have contacted people that know me and not the creditor. CRA have 15 days to produce how they verified an account and I have not received anything. My rights have been violated per 15 USC 1681I { 7 }.
Consumer complaint received 2020-08-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, XXXX Experian on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KY)

I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.
Consumer complaint received 2015-08-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (FL)

In XXXX we purchased a home with XXXX XXXX XXXX in XXXX XXXX, Fl. We financed the home with XXXX and our loan was serviced via Dovenmuehle Mortgage. In XXXX I became unable to work and sought to have a modification done on the loan to make it more affordable. In XXXX of XXXX Dovenmuehle stated that we qualified for a modification and that one would be " no problem '', so we started the process with them. 
They told us not to pay while the modification was taking place and even told us that they would not accept payment. In XXXX of XXXX, their underwriter contacted us and told us that we did not qualify for a modification so it was denied. We asked for other options and were told that the only other option was a repayment plan - we suggested multiple payment plans to Dovenmuehle and each plan was denied - they stated that the behind balance had to be paid within XXXX months ( and we were behind more than XXXX months - meaning we would have had to make more than double payments ). They would not accept any payments other than the behind balance or what they said we had to pay to catch up. 
They refused to help us in any way and have now filed foreclosure on the property.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AL)

After receiving a promotional offer from Citibank on their web site ( I was an existing credit card customer ), I opened a Miles Ahead Savings Account # XXXX. Instead of paying interest, the account would give XXXX XXXX XXXX  XXXX Points if the following terms were met : 1. Enroll between XX/XX/XXXX and XX/XX/XXXX ; 2. Must keep the account open to receive the miles- which would be paid within 90 days of fulfilling the terms ; 3. Must meet the minimum balance requirement within 90 days of opening ; 4. Must maintain that minimum balance for 60 days ; 5. Funds must be new to Citibank ; 6. Minimum balances and their rewards are : a. Up to $ XXXX XXXXXXXX frequent flyer miles b. $ XXXX $ XXXX XXXX frequent flyer miles c. {$200000.00} and XXXX XXXX frequent flyer miles 7. In addition, if {$10000.00} is maintained in the savings account, you would received a 25 % bonus for all miles earned on the Citibank XXXX XXXX XXXX. 

I fulfilled all the requirements, including : 1. Opened the account on XX/XX/XXXX. At that time I received an electronic Terms and Conditions XXXX Citi Miles Ahead Offer ; 2. Deposited {$50000.00} in the account on XX/XX/XXXX ; 3. Maintained a balance in excess of {$50000.00} through XX/XX/XXXX ( 103 days ) ; 4. All funds were new to Citibank. 

To date I have not received the XXXX miles for maintaining a balance over {$50000.00}, nor the 25 % miles bonus on credit card purchases for maintaining a balance over {$10000.00}. I brought this to the Bank 's attention in online chats in XXXX and XX/XX/XXXX. In both of those chats I was told that I met the requirements of the offer and that the miles bonus should be paid soon. In response to my last chat, I received a letter from Citibank saying that they had no record of any promotion offer made to me. This is directly contradicted by the Terms and Conditions offered to me when the account was opened.
Consumer complaint received 2015-04-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD
Consumer complaint received 2024-01-19
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: Open Dealer Exchange, LLC (CA)

I applied for a car loan through my dealership, but they ran multiple credit checks from different lenders. These include : XXXX XXXX XXXX My actual loan is from XXXX XXXX XXXX and not any of the above listed lenders. 
This happened on XX/XX/20XXXX XXXX
Consumer complaint received 2021-03-30
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-15
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. (MI)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Continental Finance Company, LLC (GA)

I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}