davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I have been breached in the Equifax data theft according to their website. When I try to freeze or lock my account there is a fee involved. They have offered a one year free monitering service, but then there is a fee. My SSN is FOREVER compromised and I want FOREVER control over my credit information. FOR FREE! The other bureaus have some free fraud alerts, and other fee for notice products, BUT IT THEY ARE TO HAVE MY DATA AND USE IT TO SELL SERVICE THEN I SHOULD HAVE FREE ACCESS TO CONTROL WHEN THE DATA IS USED!!!!!!!!!!!!!!!!
Consumer complaint received 2017-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On my TransUnion credit report, did not authorized the following parties to access my credit report with hard inquiries, Wrote letters to them all, and requested documents with my authentic signature, stating I authorized them to acces my credit report, and never got a response back. The following parties illegally access my credit report without my authorized signature authorization : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX 
XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have been disputing this bank for four years after I found out about the FRAUD and I keep getting the same OLD story. This company has told me to call them the company that I am disputing and discuss the problem with the company. I dont understand Why I cant get this company to delete this bank off of my report. I have successfully gotten the other credit reporting companies to remove this bank, after a thorough investigation was done.I AM NOT BEING TREATED FAIRLY IN THIS MATTER!!
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In deciding the outcome of a dispute Bank of American took {$75.00} out of my account triggering consumer protections under regulation E of the CFPB. 

Bank of America has adhered to none of those provisions in this incidence and with the activation of the 5 business day window of being required to honor most incoming charges it would have otherwise honored, it has demonstrated a purposeful disregard for the law. 

Moreover when management XXXX XXXX in Arkansas ) has been confronted with their lack of compliance they plead ignorance. 

In their current, active, and continuing illegal denial of legitimate incoming charges including those from XXXX, XXXX, XXXX, and XXXX Bank of American has caused me injury. 

This is an immediate problem causing me injury now and yet again when confronted, BOA management suggested I write a postal service letter. 

Rights delayed are rights denied and I request immediate and remedial action to fix the problems BOAs reckless disregard for the provisions of regulation E has caused.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (CA)

During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (TX)

I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. 

My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. 

The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was stunned to see incorrect accounts appear on my credit report today without any warning. I check my report regularly, and this has never happened beforethese errors just came out of the blue. I tried refreshing the page, thinking it might just be a tech issue, but the inaccuracies stayed put. Im urging a careful review of my documents so I can put this to rest once and for all.
Consumer complaint received 2024-09-08
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. (CA)

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.
Consumer complaint received 2024-11-02
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. (CO)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX XXXX, and now it is in the collections stage. They said it was opened in 2015 on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.
Consumer complaint received 2018-05-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (MS)

Per the Servicer, I do not qualify for a modification because of something in my credit report. After pulling my credit report and filing an appeal for another review, I was notified that it had nothing to do with my credit and now I don't make enough for assistance to keep my home. 

Please help me!
Consumer complaint received 2024-09-08
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)

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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

XXXX - XXXX XXXX. 
XXXX charged {$11000.00} for XXXX classes when I enrolled in the XXXX program Within a month, the recruiter was no longer with XXXX and I continue trying to earn good grades. I dropped out when they tried to hitch me to another {$10000.00} loan. I never seen XXXX dime. I was told, they split that loan into XXXX private lenders. Since then, a XXXX loan has turned into XXXX and I 've been SCAMMED over and over with callers from Nevada and California claiming I could settle this XXXX payments of {$330.00}. In XXXX XXXX I sent Alumni Aid Assistance {$330.00} and documents and emails I sent to XXXX regarding their unfair practice. XXXX what happened after I sent them the money, their phones are no longer in service. XXXX - http : //XXXX/. I thought this was a good company. A man named XXXX XXXX gave me his cell phone number and even that has been disconnected. 

What 's more 3 years ago, another company said they could not take cash or check so I went and got a XXXX XXXX and sent them almost {$3000.00} dollars but my loan balance with Navient is getting higher and not lower. All I wanted to do is get a XXXX with XXXX and pay off this debt. Now, I want to file a law suit with XXXX and Navient. A loan this old does not sound like XXXX to me. I need your help CFPB.
Consumer complaint received 2017-10-09
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. (IL)

I have several inquiries been reported on my credit report that I did not authorize from my understanding you have to be given a written authorization for your credit to be pulled of which I did not give any company to pull my credit report of which at the time I had a credit freeze on my credit .Under the fair credit reporting act usc1681g I have the right to demand that you disclose to me all of the documents that you have recorded ans reatained in your file at the time of the request concerning the inquiries that are reporting in my credit report please do n't respond to my request by saying that these inquiries have been verified .Send me copies of the documents that you have in your file that were used to verify them if you do not have any documentation in your file to verify the accuracy of these disputed inquiries then please delete them immediately.Section 6115 a of the fcra you are required to promptly DELETE information which can not be verified the law is clear to civil liability and the remedies available to me for negligent compliance Section 617 if you fail to comply with this federal law I am a litigious consumer and full y intend on pursuing ligation in this matter to enforce my rights under the FCRA
Consumer complaint received 2017-10-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am writing to formally lodge a complaint regarding Equifaxs refusal to grant me access to my personal credit report, as required by federal law, despite my provision of a valid government-issued photo ID and Social Security card for identity verification purposes. This denial not only hinders my consumer rights but also potentially violates several key federal laws. 

1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Under the FCRA, consumers are legally entitled to obtain a free annual credit report from each of the three credit reporting agencies ( CRAs ), including Equifax. This right is outlined in Section 612 ( a ) of the FCRA, which mandates that every CRA provide a free copy of the consumers file upon request, subject only to identity verification requirements. Despite my submission of legitimate identification documents, Equifax has failed to provide my credit report, effectively obstructing my lawful right to review my financial information. 

2. Breach of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5481 et seq., The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions and credit reporting agencies. Equifaxs refusal to honor my request and failure to provide a valid reason for the denial constitutes an unfair practice, especially since I have met all reasonable identification verification requirements. This denial limits my ability to manage, monitor, and safeguard my financial health and data security. 

3. Unfair Practices under the Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 ( a ), The FTCA also prohibits unfair or deceptive acts or practices affecting commerce. By blocking access to my credit report despite adequate identification, Equifax has engaged in actions that unreasonably deny me access to information that could impact my financial decision-making.

Immediate Action Requested, I respectfully request that Equifax immediately comply with federal laws and fulfill my request to access my credit file. I also request that the CFPB investigate this matter to prevent further infringements on consumer rights. If Equifax continues to obstruct my access to my credit file, I am prepared to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ) and potentially seeking further legal recourse to safeguard my consumer rights.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received one response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX  and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"