davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$1100.00} ; PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding their online credit freeze system. I recently tried to temporarily lift a credit freeze that I had previously placed on my Equifax credit report through their website. However, when I attempted to use their online system for unfreezing my credit report, I encountered technical issues that prevented me from being able to unfreeze my credit. 

Specifically, after logging into my Equifax account and requesting a temporary lift of my credit freeze, I received an error message stating that the system was unable to process my request. I made several attempts over multiple days to use the online system to lift the freeze, but continued to get the same error each time. 

This has been extremely inconvenient and frustrating, as I need to unfreeze my credit report in order to apply for a credit card that I am in the process of obtaining. With the online system not working properly, it requires me to go through the hassle of contacting Equifax by phone and submitting documents by mail in order to get my credit report unfrozen. This delays the process significantly. 

My understanding is that credit reporting agencies are required to provide consumers with an easy online method for temporarily lifting credit freezes. The fact that Equifax 's online system has not been functioning properly seems to violate this requirement. Consumers should not be forced to go through a cumbersome manual process when the law mandates a simple electronic method be provided. 

In summary, I ask that the CFPB look into this issue with Equifax 's online credit freeze system not working as it should. Steps need to be taken to ensure Equifax comes into compliance with the legal requirements around online credit freeze management for consumers. Please let me know if any additional information is needed regarding my experience. 

Thank you for your time and consideration.
Consumer complaint received 2021-11-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, Equifax, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA. 

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2017-11-02
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: EQUIFAX, INC. (GA)

Equifax routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. Equifax has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to XXXX my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Creditors Services, Inc (OH)

I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct # XXXX ( Date of last active and date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report.

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate.

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-11-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CO)

I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response.

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OH)

My XXXX XXXX XXXX was deemed a total loss XX/XX/XXXX. My insurance company issued two payments to Ally. Ally is now saying I have a balance owed. My gap insurance company is saying there is no money owed. I ; ve also asked Ally to provide me with my complete payment history and they have yet to receive. I apologize but I don't have the dates that I've called to Ally ( except for today XX/XX/XXXX ) requesting yet another explanation of the payments and I continously receive no resolutions. My credit is yet tarnished becuase of their discrepencies. Additionally, I have an open case XXXX against XXXX XXXX XXXX for the impoper handling of my claim. I am attaching an estimate of my vehicle.
Consumer complaint received 2021-11-27
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: CMRE Financial Services, Inc. (CA)

I have disputed a collection account with XXXX and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from XXXX explaining why the account remains and only place a comment " Disputed by the consumer ''
Consumer complaint received 2020-05-23
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. (MO)

To Who Can Help me, I sent in letters to a bureau equifax about inquiries I never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, m ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

From XXXX to XXXX Capital One and other credit cards that I had were sending money to a fake XXXX card account> I paid of All the cards and canceled them all,,,, Capital one keeps send me and you wife junk mail for their pre-approved officers! I have filed a complaint with you and the said they would stop sending me their fake pre-approved officers! I want them to stop sending me their fake pre-approved officers!
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX I purchased a XXXX bottle of bleach developer from a store named XXXX XXXX. ( XXXX XXXX XXXX, XXXX TN. The purchase was processed on XX/XX/XXXX. I noticed that my card was charged {$160.00}. I disputed the charge with Bank of America and they credited XXXX back into my account. I thought that would be the end of the situation. On XX/XX/XXXX I saw that Bank of America reversed the credit. I called & they told me that I needed to show proof ( the receipt ). I told them I no longer have the receipt and asked what else could I do. They advised me to speak the merchant. On XX/XX/XXXX I spoke to the merchant in store. He told me that they do not keep record of transactions and theres nothing he can do to help me. I spoke with Bank of America again on XX/XX/XXXX. They provided me with transaction ID but are not willing to further investigate because I no longer have the receipt. The receipt had the correct charge of {$2.00} on it which I made BOA aware of. Ive been with this bank for 10 years. I would think they would be willing to further assist me after the merchant pretty much stole my money.
Consumer complaint received 2024-02-12
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. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states : I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.