davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (AL)

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. 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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 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 2023-07-17
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. (MI)

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, Equifax XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America froze my account for no apparent reason. Bank of America said my son had not signed to be listed on my account over XXXX years earlier when I opened the account. As a result checks I had written bounced. This all took place in early 2018. 

I remember calling a fraud number at that time because I was unable to make their compliance department listen to me. The fraud number was XXXX. My account number was XXXX XXXX XXXX. 

I am a retired XXXX XXXX and I feel Bank of America knew exactly what they were doing and thought I would not fight this. I eventually was able to withdraw my money and close the account. I feel as though they were harassing me. 

I have some correspondence from them if you need.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I am a XXXX without a home, XXXX XXXX XXXX and with pending XXXX XXXX in three months time. 

I was denied Housing at the XXXX XXXX XXXX in XXXX XXXX MD, because of the negative Rental history in my Rental Credit report, per XXXX 

I called XXXX who provided me with the tel number of Experian Rent Bureau, at XXXX. 
I called Experian at the number and disputed the report and the amount quoted of {$5200.00} XXXX at Experian researched the issue, and informed me that the 7 year Statute of Limitations had expired, since the report was first made in XX/XX/2016. 
He therefore informed me that He would write to the Creditor, XXXX XXXX XXXX XXXX XXXX, and ask them to remove the negative report from my credit record, given the expired Statute of Limitations. 

He made the request and provide me with the account # : XXXX, as well as the case # : XXXX He informed me that it might take upto one month, and that I should call 'XXXX XXXX XXXX XXXX ' and inform them of the Findings and action by Experian, so that XXXX XXXX might expedite the removal of the negative Rental Credit. 

When I called XXXX XXXX, I did not get much cooperation, despite informing them I had disputed the record and amount, and that Experian Rent Bureau wanted the report expunged from my credit, since 7 years was up, and also since I was homeless and the negative report was holding up my application at the XXXX XXXX XXXX in XXXX XXXX MD. 

I tried to explain that as far as my recollection when I left XXXX XXXX apartments, the outstanding Rent was not more than {$600.00}, and was the part to be paid by my partner who had separated from me, and is divorced from me. 

I was not successful as XXXX XXXX wanted me to pay {$2600.00} to resolve the issue, despite the expiration of statutes, and my dispute of the supposed owed amounts.
Consumer complaint received 2023-11-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (OH)

XXXX XXXX with Cross Country Mortgage and his office are retaliating against me for making a complaint of MORTGAGE FRAUD against his office. 

I have made very respectful requests for a new point of contact, updates to my loan process, and other simple, very reasonable requests. I have never received any type of professional response, after making my complaint to the CFPB. 

This office has no respect for loan servicing and the honest relationship it requires. 

Not only this, and i have circumstantial proof, but XXXX XXXX HAS BEEN DISCUSSING DETAILS OF THIS COMPLAINT TO MY BUYER AGENT. For some reason he found it necessary to discuss these personal details of mine, XXXX RELATED ISSUES, and is further discriminating my severe XXXX, to MY AGENT. 

In no context anywhere does it say he has privileges to discuss this type of subject, MORTGAGE FRAUD and XXXX DISCRIMINATION with MY AGENT. 

This man is a shame, and should be reprimanded immediately.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

In XXXX of XXXX, I applied for the new student loan SAVE plan, in an effort to reduce my monthly student loan payments. I currently owe over {$180000.00} in student loans ( including interest ). I received a letter from the loan servicer, Mohela, on XX/XX/XXXX, stating that I did not have at least {$30000.00} in Federal Student Loans that would allow me to qualify for the SAVE plan and an extended loan repayment. I dont know how this is possible when I do, in fact, owe over $ XXXX in student loans as stated above. 

I have been waiting for several months to receive an update on my payment plan, and I believe the information provided is totally erroneous and should be corrected as I believe that I do, in fact, qualify for a reduction in my monthly payments. This is completely unacceptable and I believe this is an attempt made by the loan servicer to try to extort as much money as possible from students who have higher loan balances.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

In 2017 I opened an account from XXXX XXXX XXXX I would like to have that information removed from my report. 

there is simply not law requiring the information to stay on my report for 10 years
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (MO)

On or about XX/XX/XXXX someone took out a {$500.00} loan in my name from XXXX XXXX. The company added {$95.00} fee, so total debt was {$590.00}. The loan document uses a fake bank account and email address for me. On the signature blank my name was typed in. XXXX sold this note to National Credit Adjusters in XX/XX/XXXX, who is pursuing me for collection. I contacted NCA and they put a fraud alert on this account and stopped collection efforts.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey XXXX XXXX line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, Bank of America unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, Bank of America sold on XX/XX/XXXX to an overly aggressive debt collection company XXXX XXXX XXXX XXXX XXXX, XXXX, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.
Consumer complaint received 2023-07-17
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. (NY)

On XX/XX/2023 I submitted letters to Equifax, XXXX, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I made a deposit to truist bank for {$4000.00} and they locked my account and wont give me my funds. They told me to step into the branch I did they told me to get proof where the check came from so I reached out to XXXX bank and got a statement stating they sent me the check once I received the statement I took it to truist and they still wont release my funds
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OH)

My school that I attended in XXXX through some of XXXX was ruled by the Federal dept to be fraudulent and I completed all the paperwork to have it discharged and I was told via email it was approved for discharge. I notified Navient and they told me I'm still obligated to pay a fraudulent loan. They are now suing me in small claims court.
Consumer complaint received 2023-07-19
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: AR Resources, Inc. (FL)

AR RESOURCES INC please validate this debt account number XXXX please send all supporting documents also my wet ink signature also the agreement contract with both wet ink signature of the agency you allegedly purchase this debt from because I didnt do any business with this company and I dont owe any money to you guys this identify theft if this account doesnt remove within 30 days I will pursue to take legal action
Consumer complaint received 2023-07-17
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I have a best buy credit card. My payment was suppose to be XXXX which i was fine with. When i went in to pay my bill it stated it was XXXX. I did not makr a payment as i didn't have that much. Now its at XXXX i can not pay that much. Im on XXXX  and work a part time job. I feel that they let me get this far as a high risk person and now i cant dig myself out. I asked if they could put payments back at XXXX a month as i can make that payment. I was out of work for 2 weeks i called and asked what could be done and was told nothing could be done. Its hard to speak with ppl who speak broken XXXX. Which frustrates me and then they get mad and end the call. I cant help it if my XXXX  takes over in this situation. So im asking that my payments can go back to XXXX a month. U can keep my privileges suspended. So im asking for this a normal payment of XXXX. Thank u
Consumer complaint received 2023-07-17
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-17
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-07-17
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. (NH)

I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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 account # XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Consumer complaint received 2024-01-30
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.

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.