davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

My complaint concerns TD Bank. I have been a customer in the XXXX area since XXXX, with checking, savings and credit card products. In XXXX of XXXX, I went in to my branch to update my Savings account to one with the best interest rate ( from their 'High Yield Savings Account ' to their 'TD Select Savings Account ' ). The savings account I chose had tiered interest rates based on the account balance, and a 'rate bump ' ( a higher band of interest rates at every tier for having additional linked accounts, like their Visa credit card ). I fulfilled all the requirements for their best interest rate, and left satisfied with the product I had signed up for. Since XXXX of XXXX, I have periodically monitored the interest rates by going to the TD Bank web site, and was pleased to see that they remained reasonably competitive. However, when I recently did the math based on interest credited to my account, I discovered that I was getting far less than the posted rate. This led to numerous phone calls and a trip to my local branch to try and get the issue addressed. No one at the bank or on the phone was able to accurately explain or resolve my problem, but I managed to piece together the following scenario ... 

In XXXX of XXXX, mere weeks after I opened my 'TD Select Savings Account ', they grandfathered ( retired ) this account  product and did not notify me. It was 'replaced ' with a product called the 'TD Preferred Savings Account ' with essentially identical features to the 'TD Select Savings Account ' ( including the tiered interest rates and rate bump features ). To my best understanding, the only thing that changed for this product is the name. When TD grandfathered my 'TD Select Savings Account ', they essentially froze the interest rate at the XX/XX/XXXX level, but the 'TD Preferred Savings ' rates ( advertised prominently on their website ) rose steadily as competition in the savings account market increased over the past couple years. Even worse, it is impossible to find information on the current rates and tiers for my 'TD Select Savings Account ' without making a special request - so this is  clearly an active suppression of information. I can not view this as anything other than a 'bait and switch ' scheme. Without telling their customers, they changed their product used to advertise their savings account rates and replaced it with something identical in all but name, but with lower interest rates. Not even their customer service representatives were able to easily spot the difference! In my case, this was mere weeks after I opened the account. Given that I keep all my emergency funds in this savings account, it has resulted in a significant loss of interest income over the past 2 years. I have talked to the store manager at my local branch, and multiple banking representatives at the branch and through their 24/7 phone support, and no one is willing to acknowledge wrongdoing or correct the issue in any way.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Customer Service Failed to display phone number calling from and called multiple times over multiple days but never left a voice message when asked regarding who is calling leaving consumer not knowing who called. 
Agency tied to collect payment from a bank account which it knew was already closed and then penalized consumer.
Consumer complaint received 2019-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I declared bankrupcy recently, and have just begun to begin to repay my student loans. After hours on the phone with multiple documents, I was finally sent an email from Navient, dated XX/XX/XXXX stating : " XXXX, we've approved your request for an Income-Based Repayment plan. 

Now that you're approved for an Income-Based Repayment ( IBR ) plan, here 's a quick overview of what you can expect next. 

Plan overview Your Monthly Payment Amount : {$56.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX ''. 

Upon opening my email today ( XX/XX/XXXX ) I received a new statement, stating : XXXX, here 's a snapshot of your monthly statement. 
Total payment due : {$280.00} Due date : XX/XX/XXXX I feel abused as a consumer, and emotionally drained from trying to deal with this company. Please, please help ... my income has not changed in years. 

Most kindly, XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2019-09-21
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. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX Equifax Information Services, LLC et al, XXXX Vs XXXX, and XXXX  Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Equifax Information Services, LLC et al, just can't use the XXXX System because its not considered reasonable. Equifax Information Services, LLC et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA if this matter isn't handled amicably in ( 15 days XXXX. 

And send me another credit report. 

Thanks!
Consumer complaint received 2019-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big City Finance, LLLP (TX)

you can not pay this loan off early to avoid extra charges. on XX/XX/19 I tried to pay mu balance of {$340.00}, it will not let me. the only payment option day is XX/XX/19 with added fees bringing the balance to {$470.00}. this is making me pay an extra {$120.00} in fees this should not be legal that they can only accept payment on their terms.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am seeking your assistance concerning this incorrect account reflected on my credit report. I am bringing this to your attention as it has harmed my reputation, and I need your intervention. Your mishandling of my credit report left me desperate because your erroneous reporting tarnished my reputation. It is crucial to eliminate these errors so I can live peacefully with my family.
Consumer complaint received 2023-01-23
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. (TX)

15 USC 1681 section 602 states I have the right to privacy 15 USC 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. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in a paragraph the term " consumer report '' does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report
Consumer complaint received 2020-02-17
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. (NV)

I am a victim of id thief due to exquifax 's data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX XXXX XXXX also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

Please note that this is my SECOND WRITTEN REQUEST. I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of XXXX XXXX. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified.

The following inquiries are not authorized : XXXX XXXX  XXXX XXXX  XXXX XXXX  : XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally request the blocking and deletion of the following account from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Account to Be Blocked and Deleted: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Inquiries:
 EQUIFAX MTG - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the immediate blocking and deletion of the following accounts 
and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I have the right to request the removal of unauthorized or fraudulent 
information from my credit file.
Accounts to be blocked and deleted: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute the inaccurate collection account ( XXXX ) listed on my credit report. As a consumer, I have the right to ensure that the information being reported about me is both fair and accurate, as stated in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. I respectfully request that you investigate the following collection account ( XXXX ) and remove any inaccurate, unverifiable, or outdated information from my credit report. 

I believe this account is inaccurate for the following reasons : XXXX Has deleted this account from my account due to the fact it could not be verified to be mine I have attach my XXXX letter stating it was deleted, so please deleted from my report as well. 

According to the FCRA, specifically [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. I request that it be removed from my report in compliance with [ 15 U.S.C. 1681i ( a ) ]. 

Please send me a written confirmation once the investigation is complete, as well as an updated copy of my credit report reflecting any changes.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$250.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$91.00} XXXX  XXXX XXXX Balance Owed XXXX {$130.00} XXXX  XXXX XXXX Balance Owed XXXX {$130.00} XXXX Balance Owed : {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C. 1681 section 604 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 of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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 2020-02-16
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: EQUIFAX, INC. (GA)

The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.
Consumer complaint received 2024-10-29
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :