davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (TX)

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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF ED/XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-28
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. (TX)

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. 


Account Name : XXXX  XXXX Account Number XXXX XXXX  XXXX XX/XX/2022 - Unauthorized Inquiry XXXX  XXXX XXXX - Unauthorized Inquiry has violated my rights. Or list of inquiries 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 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 2023-11-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MA)

On Wednesday XX/XX/XXXX at approximately XXXX XXXX  ET, during a Best Buy ( located at XXXX XXXX XXXX XXXX XXXX , XXXX, MA ) purchase, I was manipulated into obtaining a store credit card. Store manager XXXX, who was the cashier that processed my transaction, falsely advertised the store membership and credit card as a XXXX  XXXX  promotion. He then asked for my information as a form of identification in order to prove my eligibility for said promotion. I expressed I was not comfortable with sharing such information and he assured me it was just the standard procedure and that it would not be used for any other purpose than to confirm my identity in regards to the purchase. When I questioned the extra {$49.00} charge XXXX insisted that the total wouldnt be any different if he were to remove it, that it was merely a required hold. Upon leaving the store I received an email confirming my credit card application, and another welcoming me to their membership program neither of which were mentioned to me. I gave no consent to this and was coerced into singing up through a misleading presentation by the store manager. This occurrence is common at the store, salesmen are often encouraged to try and get away with membership charges and credit card applications as they are paid per commission.
Consumer complaint received 2023-11-29
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. (NY)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear Equifax, XXXX, and XXXX, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW This is my final dispute for the inaccurate reporting of XXXX CHILD SUPPORT Account number : XXXX on my credit report maintained by Equifax. 

Reporting of Outdated Child Support Judgments It is well-established under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA that no civil judgment, including child support judgments, should be reported on a consumers credit report if it is more than XXXX years old, regardless of whether the judgment has been paid or remains unpaid.
Consumer complaint received 2023-11-29
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. (GA)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (MI)

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 ( XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was scammed of {$100000.00} buying crypto  money, using a credit card. ; To forward to a fake investor. I lost all disputes with bank of America because there policy is written on there websites about investments. So I took the blame for a bad decision to sign a credit card to crypto scammers. I had no way of understanding that crypto  charges or purchases can't be reversed. Crypto is one way. Bank of America does not make u aware of this even in their fine print. In the old days if a bank was robbed, the whole town n sheriff would go after the thieves. But modern day thieves in the internet are allowed freedom.? .because bank of America won't pursue the criminals? XXXX dosent go after the scammers? XXXX has hacked apps.And they don't care? All three deserve a law suit. XXXX, Bank of America, XXXXXXXX XXXX. And this site won't go after the thieves either cause u take XXXX word that there policy is correct. XXXX said they just follow my orders because I signed the transaction. But now they won't follow my orders unless there's money to be made? Go catch the thieves at the fake exchanges with a little help from law enforcement?
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

I received confirmation from Mohela on XXXX of my loan repayment auto-debit withdrawal request which should have drafted my first loan repayment on XX/XX/XXXX as required. They did not draft my payment and I then submitted a one-time payment via the website on XX/XX/XXXX. I then resubmitted my auto-debit withdrawal request, and received confirmation that Mohela processed it on XXXX. They did not draft my payment for XXXX either as of today, XXXX. Upon checking my account, I discovered that all of my loan accounts have been placed in forbearance until XX/XX/XXXX. I received multiple messages from Mohela in early XXXX related to my PSLF status but did not receive any correspondence related to a forbearance period. 
I called and spoke with XXXX, a Mohela customer service rep, who confirmed that Mohela placed these accounts into forbearance status for all account holders who did not have payments processed properly. They stated that this way no one would risk having late payment fees or accrued interest charges. XXXX XXXX today, I owe nothing on my account until " sometime in XX/XX/XXXX- I can not confirm a due date yet. '' My loans are enrolled in the SAVE program ( formerly XXXX ) and should be under repayment as of XX/XX/XXXX like all other student loans. The rep did confirm that the months in forbearance DO count against the total months of forbearance use available to a customer for their particular loan. I do not understand how they are able to count off months of forbearance allocated to your loan accounts for their inability to process payments properly.
Consumer complaint received 2023-11-28
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.
Consumer complaint received 2023-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (IN)

My identity has been stolen in 2020 when a car was purchased now its on my credit I cant get a car in my own name, the debt is on ver XXXX dollars its affecting my life. I disputed it 10 times they keep responding back as accurate and they wont delete it now theyre harassing me with all these emails the account is closed but its still on my credit as a debt. This account is Westlake financial
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Southern Auto Finance Co (CA)

i called Safco to get a copy of my finance contract with reference to my XXXX XXXX XXXX trade in value amount of {$4000.00} for the XXXX XXXX XXXX XXXX i traded in to the XXXX dealerships said they would apply an additional car vehical trade in twards the loan and in addition to the cash down payment of {$10000.00} plus my Used Vehicle asking {$21000.00} as is, but XXXX sold a unnecessary extended warranty I soon canceled when I learned I that warrenty i was sold was for only the coverage of XXXX mile the seller was so ambiguous in selling me a. {$4000.00} auto warrenty. Stated I was buying a XXXX mile warrenty when the vehical already had over XXXX miles I soon learned i was played.The XXXX XXXX XXXX in XXXX. I need help with my contract because Im making all my payments and for XXXXXXXX XXXX payment due XX/XX/XXXX I scheduled a late payment to come out of my account on the XXXX only XXXX days into the due date, how I already have an statment notice of {$940.00} past due. I did a deferment last month or previous month because I felt like my payments where back to back every two weeks, i tried to reach out to XXXX about my XXXX trade. in and they never respond and so i asked Safco to furnish my contract that reflects my trade in and they reported that they received only cash {$10000.00} no trade in? is this contract invalid.
Consumer complaint received 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681section 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.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (FL)

I called on XX/XX/2023 to update my mailing address and the customer service representative was rude to me and did change my mailing address but continue with that attitude wich I complained about it. Three days later on XX/XX/2023 after I open the Affirm app and notice my credit history disappeared from my account along with my purchasing power that was {$800.00} just before talking to that person and a credit denial message for a credit request I never made. 
Looks like someone or somehow deleted my credit history from my account. 
After that I called several times and chat various occasions trying to get my credit history back with no results, I can't request any credit because I will be denied for the lack of credit history as it did happened since.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello my name is XXXX XXXX, I was issued this card two years ago. I am in college currently pursuing my XXXX XXXX. A year and a half ago i ran into some issues on making payments, i have contacted the company to resolve some issues with payments and they refused to assist. I am writing this report to tell my story about how i was treated by multiple agents at capital one. I have been a loyal customer since the card was issued. I am disgusted by the way capital one handled the situation. No negotiations was made including lowering fees, lower interest rate, lower monthly payments or postpone payments.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Victim of fake check.. I woke up one day to my mother BOA account getting charged for a fake check on my BOA account which was a joint account she put me under. I haven't used my personal Bank Of America account in almost 2 & 1/2 years. Me & my mother been trying to file claims, email the bank and call Bank of America which have a known history of owing people money and ridiculous fee charges which they don't even respond to emails or phone calls. Im making this claim because Bank Of America took funds out of my mother account that we need back. i am an victim of a fake check, which i stated early i haven '' t used my personal bank account in 2 & 1/2 years. my mother made a claim but she haven't got a update so i made one, hopefully you can get to this ASAP!
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (MI)

On XX/XX/XXXX I opened a dispute with HireRight regarding false/misleading information on my XXXX report XXXX The furnisher ( XXXX XXXX ) is a former employer. 

On XX/XX/XXXX HireRight completed its investigation. They provided me the results and rebuttal of the furnisher via telephone call. 

I am in disagreement with HireRights decision as they did not do a thorough investigation. They did not request any supporting documentation from furnisher. They simply took the furnisher statement as 100 % truth. I have actual evidence that disproves statement given by furnisher.