davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
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. (GA)

According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 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 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 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
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (AZ)

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 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 2022-09-24
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. (TX)

This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc. (TX)

I purchased furniture from XXXX XXXX multiple times in XXXX and XXXX. I applied for credit but was declined due to my credit scores so I purchased with my debit card and XXXX XXXX XXXX XXXX Bank Account. XXXX XXXX has places an account on my credit report for {$240.00} through Southwest Recovery. I don not have an open account with XXXX XXXX because I paid for everything before delivery. I would like this account remove immediately off my credit report.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In XX/XX/XXXX, I settled two accounts with XXXX XXXX XXXX XXXX ( settled for less than the full balance ). In XX/XX/XXXX, I received settlement letters from XXXX XXXX XXXX XXXX and their servicer XXXX. After receiving these letters, I had a credit specialist assist in expediting the updating of the accounts on my credit reports so I could proceed with buying my home. The accounts were updated removing the active balances on XX/XX/XXXX. On XX/XX/XXXX Equifax added the balances back to the accounts, dropping my score XXXX points. I filed two disputes per account to Equifax. Equifax claimed they didnt have the settlement letters, so I uploaded them with my second dispute and faxed them to Equifax. Despite having these letters, Equifax has refused to update the balances on the accounts. I made contact with XXXX XXXX XXXX XXXX to ask for an update on my accounts. XXXX XXXX XXXX XXXX has let me know two things : that the accounts are settled in their system, no balances due from nine to them AND that Equifax has not made an attempt to contact them, despite it being a requirement for them to reach out to the creditor for verification of the status of the account. I have also not been able to review the results of my last two disputes as they are inaccessible when listed online, and they have not mailed me the results as required. The only results I have received have been by phone, telling me that the balances have been deemed accurate as reported. During my last phone call at the end of XXXX with Equifax, I submitted a formal complaint regarding the dispute department. The customer service representative I was talking with agreed with me that the account should not be carrying active balances that are affecting my credit score since I settled them and have the letters to prove it.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete.

accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-05-31
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: AFNI INC. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Equifax and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX XXXX and Equifax are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

US Bank failed to refund XXXX in fees and interest to my XXXX XXXX following purchases that were disputed and ultimately refunded by the merchant. 

US Bank has harrassed me without any legal grounds by sending constant past due notices when US Bank, in fact, owes me money.
Consumer complaint received 2022-09-24
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: R & B Corporation of Virginia (VA)

This debt is not mine I dont not have a contract with ( credit control corporation ) according to the FCRA THEY ARE VIOLATING MY CONSUMER 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 a account without my written instructions. 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 know or has reasonable cause to believe that the information is inaccurate.Also this is a medical bill were as of this XX/XX/2022 any medical thats under XXXX $ or less should be removed from a natural persons consumer report. To also add on this fraudulent account was removed from XXXX along with XXXX so therefore this should also be removed from this Agency do to its inaccurate information 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 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 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 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Consumer complaint received 2021-05-31
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MN)

I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( NAVIENT SOLUTIONS LLC ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to Navient, I got a call and a " bill '' from XXXX XXXX XXXX XXXX XXXX claiming to collect on the debt that have already been paid. I called both Navient and XXXX to let them know the debt has been paid in full and yet XXXX continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.
Consumer complaint received 2018-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc. (GA)

I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
Consumer complaint received 2021-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (FL)

I bought a new XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They new I had a trade-in from XXXX, it was a XXXX XXXX. They gave me a price and I signed a contract that the loan amount would be a little over {$11.00} and my monthly payment would be {$230.00} a month. The process went smoothed and the looked over my car and I got the new car immediately. I had a 7 day guarantee to return the vehicle as well. They processed my car tag and registration in a matter XXXX or 4 days, it was quick. They setup my account with XXXX and on XX/XX/XXXX my first payment f {$230.00} was supposed to come out. 
XXXX on Saturday I get an email from XXXX from XXXX telling me I had to rebuild the loan that there was an error on their part. They didn't take in to account that I had a l balance on the trade-in and that would affect my payment. I get an email telling me it would go from {$230.00} a month to a {$500.00} down payment and {$700.00} a month interest rate of 19.48 %. I was shocked and called them immediately. They said it was an issue on their part and that they would look at ways to help me. They said they would send me a check for {$250.00} for my incovience. I then waited to hear back on what more they could do. I heard back from XXXX and they were willing to take back the car but I had to get another car with them. The only problem is that they are charging me now 19.48 % interest and that balloons any payments to a high amount. I was looking for something similar car the XXXX, which only had XXXX miles on it an I was paying {$450.00}. Now I would have to get an older car of less value in order to stay around that payment of {$450.00}. I lost a 3.9 % APR with XXXX and now stuck with a 19.48 % from XXXX. They won't let me just give back the car because that would be reported on my credit for 7 years and have a very negative impact. I am trying to rebuild my credit. So I was given an option of paying for the current car, getting another car with XXXX that wouldn't be even close to what I had without it being a lot more in a montly payment, or simply returning the care and having a mark on my credit. I have tried to talk to them for days and with no success they were willing to take off the delivery fee which ranges about {$490.00}. Either way I didn't have a chance to say no, I will give the car back because they didn't even find the error until XX/XX/XXXX. I don't know what to do. I need your help.
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2021, I submitted a complaint to the CFPB ( XXXX ) concerning my present mortgage company Chase Bank. They responded with a standard reply and the case was closed. I responded with a letter to Chase because I was not satisfied with their response. 

As a result of my complaint to your office and my response to their reply to the initial complaint, Chase Bank has taken punitive action against me by turning my mortgage over to XXXX XXXX XXXX ( from my research, this appears to be a sub par servicing company ).

When filing this initial complaint, it was my prayer and hope that Chase would look into the matter and actively work to make things right. However, just the opposite ... Now I get XXXX ROYALLY!!!

I need your help please?!!!!!
Consumer complaint received 2022-09-24
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. (TX)

So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-24
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)

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

1. XXXX XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (CA)

I obtained a loan for {$2600.00} because I was desperately in need. The loan originated in XX/XX/2019. The interest rate of the loan is 219.08 %. To this date, I have paid {$2300.00} and still have a balance of {$920.00}. Because of the coronavirus, I had work reduced and I reached out to the company to request interest deferment. They refused to assist me with my request. They only offered loan payment extension which do not help because the interest keeps accumulating. I would like to see the CFBP reach out to them and ask what their procedure is for these difficult times.
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alpine Credit, Inc (CO)

I disputed this account under identity theft before. It was removed yet now reappears on my XXXX  report. Collections is dated XX/XX/2017 and now has damaged my credit score twice. This is against the Fair Crediting Act laws. I'm also a veteran and utilize the VA system as to avoid medical bills outside their jurisdiction. This is not my account as I also have a police report from XXXX Police Dept in XXXX, CO. Of a women using my personal identifiers after being arrested. She used my previous last name of XXXX.