davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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. (CA)

Equifax is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have Equifax provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is Equifax a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 Equifax is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc XXXX all falls in with financial information and needs to be deleted from my consumer report al of this makes Equifax civilly liable for willful noncompliance
Consumer complaint received 2022-08-09
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. (NJ)

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 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 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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-08-09
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: Medical Data Systems, Inc. (MS)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MEDICAL DATA SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has XXXX 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-08-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a letter yesterday from Truist bank that XXXX of my children 's old custodial accounts ( opened at Suntrust several years ago ) had been overdrawn, allegedly " for several weeks. '' The letter was dated XX/XX/XXXX. 

I had no knowledge of ever overdrawing any of my accounts. I received no notice in the mail of an overdraft, no online banking notification, no email, no text, statements. I received no phone call or voicemail. I had no knowledge of it ; I don't even know what kind of transaction could have been made to cause an overdraft. 

The letter informed me that the account had been overdrawn for weeks without me doing anything to correct it, so it was now charged off and in debt collection. 

They added a {$30.00} charge-off fee to the alleged overdraft balance of {$14.00} and asked that I send payment for {$44.00} dollars in an included envelope. 

I've searched through my online banking. I can no longer find any account information for this account now that they've closed it. 
I can't see any viable documentation to substantiate the allegations and demand of this letter. 

I had been a Suntrust account holder for a very long time and have never overdrawn any of my accounts before. 

I called the number on the face of the letter today, XXXX times to try and resolve this. I was answered by an automated system which placed me on hold and then sent me to voicemail. The recording said " They are not taking calls due to high call volume. '' When the automated system first answered, it prompted me to enter the XXXX phone number from which they left me a message to call them ( they never left a message. ) I entered both my number and my former number, though, but neither of was a match in their system. 
I then called Truist 's main number to work on the issue, but the representative was only able to transfer me to the line I couldn't get through to. 
Every facet of this matter seems like illegitimate/predatory banking practice. 

I'm being asked to pay something I'm unaware of owing with no supporting documentation or prior attempt to reach me and no means of communicating with Truist except an envelope to send them money.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (GA)

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
Consumer complaint received 2022-08-06
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: SYNCHRONY FINANCIAL (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.
Consumer complaint received 2022-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I previously filed a dispute for with your agency against Bank of America for identity theft. This is the report number XXXX. Bank of America responded that they needed more time to respond to the dispute. Bank of America is in violation of federal law as 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after 4 business days. They have broken the law and have not done what I asked them to do.
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

I have received phone calls and correspondence from a collections company ( Credit Corp Solutions ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( XXXX ) with that email and have confirmed that with XXXX. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (AR)

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus XXXX XXXX 3.Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (OR)

American Express corporate card was an account that I had for my XXXX XXXXXXXX. The account was in the name of my XXXX. XXXX XXXX. I was not aware that the could make me personally liable for an account that I had for my XXXX  business that I had to close because my XXXX business was shut down for over 1 yr. The aggressive tactics that they used we obscene and I am contacted constantly from the personal legal team. I am not aware of how to handle this situation. The charges that were on my Amex corporate card was for advertising my XXXX  business on XXXX prior to Covid-19. I disputed this charge multiple times because I have evidence of cancelling the ad on XXXX. XXXX refused to let the ad charges go so I disputed through my Amex. I was told to eat the charge or my business listing would be redirected or shut down my traffic through the XXXX porthole. I was told by Amex that XXXX is their customer too. So the ads that never ran were put back on my corporate card in the sum of over {$10000.00}. Then everything got shut down due to XXXX. I tried working out a scenario with Amex and I was so distraught and overwhelmed with everything getting shut down. I have been aggressively pursued and harassed by Amex. I should have been protected due to the XXXX XXXX and my LLC. Insurance of XXXX XXXX dollars.
Consumer complaint received 2022-08-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I have filled out a lost mitigation application numerous times since XXXX of 2021 when I was ready to re start payments on my home after forbearance period. Every time I send in information Im told Im missing something or my information is outdated. I call weekly to find out information or what is needed and always get a different answer. Finally I receive a letter via mail that my application is complete allow 30 to 45 days for approval. When I called back my house was in foreclosure so yo missing paper work but I have a letter stating my application was complete confusing and frustrating none the least. I have spoke. With supervisors multiple times but nobody has been able to process my application correctly. Just need assistance so I can continue paying my mortgage and not lose my home. Please
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX  XXXX XX/XX/2022, XXXX XXXX ( 2 days ago ) to XXXX, XXXX, XXXX, bcc : me Why is this message in spam? It is similar to messages that were identified as spam in the past. 
Report not spam Dear CUSTOMER, This is an Aut0-Renewal email alert from the XXXX XXXX plan XXXX As per your auto-debit instructions your subscription for the XXXX XXXX plan has been successfully renewed & updated for 2 years and USD XXXX has been successfully deducted from your bank account. 

We have tried to contact you on your registered number but we could not get through your service is not cancelled yet. 

SUBSCRIPTION - SUMMARY Order Id : XXXX XXXX XXXX XXXX  Date : XX/XX/2022 Method : Online delivery Product : XXXX If you want to cancel this order then please contact with our XXXX billing team. 

Call us on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.
Consumer complaint received 2022-08-06
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. (GA)

In light of Equifax Once again admitting they are not doing their job properly with the newest news report of them admitting they have given incorrect information and credit scores to lenders. I can not trust Equifax 's investigation and policy of procedures. I wanted the rest of my request from my old CFPB case XXXX completed. 

-- Delete Medical Collection Account / Paid to the original creditor -- Dispute Collection Agency XXXX Collection Agency XXXX XXXX XXXX Account Number # # # # # # XXXX -- Delete Trade Dispute Company Name XXXXXXXX XXXX  -- Delete below unauthorized inquiries Date Company Address Request Originator XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  This has cost be lost of over {$50000.00} of credit opportunities. Equifax failed to do an initial investigation before reporting these items.
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

Please be an educated buyer. In hindsight I would have never signed the contract to begin with. We were told we were approved for the house but could never get the preferred lender on the phone to show us exact numbers for monthly payment, down payment, interest rate etc. We applied on XX/XX/2022, contacted the lender listed on XX/XX/2022 to obtain initial disclosures ( abiding by the 3 day timing to issue a loan estimate after receiving a completed loan application ) and estimates before signing our contract XX/XX/XXXX. We were not given any initial disclosure packet containing a loan estimate until XX/XX/2022. So we tried to do the math ourselves and kept saying, well if we are approved we must be able to afford the house. Signed the contract. Months later we finally hear from the lender and the market has drastically changed since starting the process and the monthly payment we are told is something I would have never signed for. Add in that our income is based off the changing market and we can barely make our current bills because having a commission based income in the mortgage industry is basically making nothing now. We know we can not afford this home based on todays number and have attempted to contact the lender and Seller to advise if this, however they have stated that we HAVE to use their approved lender as they issued an approval. We want out of the contract now and want our earnest money back, as no lender would issue a prequalified letter of the information now. The lending process would dictate that our documents are expired as well so there is no reason they should not be requesting new documentation anyways. It should not be a fight. It should not be still us being told we are approved and should follow through with the home. Our income in the past months reflect maybe {$5000.00} a month. You can not honestly tell me I can afford a home that has an estimated monthly payment of {$3600.00} ( and probably still increasing with the interest rates ) and that it is in my best interest to stay with the contract. This is also only taking into account the mortgage payment, not all of our debts. Our Debt-To-Income ratio is not within lending guideline. It is a sad and expensive lesson we have learned in the process. Please do your homework and trust your own gut before signing a contract with no one on your side. Its business, I get that, but at some point there should be a basic understanding. We have asked the lender/Builder to consider this information and refund our earnest money but they have declined.
Consumer complaint received 2022-08-06
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: Nelnet, Inc. (TX)

U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with Great Lakes. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. Great Lakes has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.
Consumer complaint received 2022-08-09
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: Maximus Federal Services, Inc. (NJ)

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 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 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 1681 s-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. 


Aidvantage student loans- Account number- XXXX