davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

This issue is in regards of my Navient account : # XXXX After checking and trying to balance my Student loan payment, The payments reported made to the capital do not match the total amount of the loan. 

As of XX/XX/2016 I consolidated the loan with the XXXX program available. However, the payment made to the capital was for : XXXX. 
If you add up the payments gone to the capital for every month since the re-payment of the loan, It Equals to {$3500.00}. 

The total amount of loans received is : {$18000.00} If you deduct {$3500.00} from the capital of {$18000.00}, the amount of the capital of the month by XX/XX/2016 should be : {$14000.00} All my federal student loans were subsidized and should not have accrued interest while I was in school, or in my 6 month grace period. 

I have paid since to date ( XX/XX/2016 ) interest of {$3800.00} + Capital of {$3500.00} ( = {$7400.00} ) yet my loan had only gone down {$1100.00}. 

I 'd like the CFPB to investigate Navient and my subsidize loans and audit my account to be re-adjusted with the capital I paid and the Interest I over paid.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. 
I had nowhere else to turn and hopefully I can be assisted by your organization. 
Thank you for your consideration.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Bank of America in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Bank of America in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Bank of America branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Bank of America has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Bank of America stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Bank of America, and only went to the bank the day the credit card information was submitted to get a check register.
Consumer complaint received 2022-04-15
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy.

1. ( XXXX XXXX XXXX XXXX XXXX Account # : XXXX This account contains incorrect information in regard to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof 2. ( XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

I went to a website XXXX to buy 2 pair of running shoes and paid via paypal credit. Something didn't feel right during the checkout process but I continued given it was via paypal and they claim I have buyer protection. The purchase was made on XX/XX/2023 for XXXX. 

2 days later after not hearing anything from the company or being able to speak with them I reached out to paypal to dispute the transaction telling them I believe this to be a fraudulent merchant. PayPal immediately closed and denied my claim twice telling me this is not their issue and I need to pay them the XXXX
Consumer complaint received 2023-02-25
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: Alorica Inc. (NJ)

I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Consumer complaint received 2024-10-05
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. (PA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDXXXX 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 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 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 2024-10-05
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)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-10-05
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)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-08-09
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: EQUIFAX, INC. (FL)

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I have already brought this matter to your attention ; See Attached removal of inaccurate personal information, name, addresses, social security numbers, employment information. 
However, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC Section 1681 n.

Impact of Your Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit scores : Resulting in the denial of credit or higher interest rates.

Emotional distress : Caused by the negative impact of inaccurate credit reporting Financial harm : Due to credit denials or unfavorable terms for loans or credit lines.

My Demands : In light of, the harm caused by your willful noncompliance with the FCRA, I am requesting : 1. Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue Compensation for damages : I reserve the right to pursue legal action under 15 USC Section 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Consumer complaint received 2024-10-04
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Subject : Formal Complaint Regarding Unauthorized Credit Report Lock in Violation of FCRA To Whom It May Concern, I am writing to formally express my frustration and extreme dissatisfaction with Equifaxs handling of my credit report. Without my consent or prior notification, Equifax has locked my credit report, which has directly resulted in significant difficulties in my ability to obtain credit. This lack of communication and unauthorized action is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumers be informed of any adverse actions taken on their credit reports. 

Section 605A of the FCRA guarantees consumers certain protections, and Equifaxs failure to notify me before locking my report has caused undue financial hardship and impeded my ability to secure necessary credit. This is not only unacceptable but also illegal under federal law. 

I demand an immediate resolution to this matter, including : The immediate unlocking of my credit report. 
Written confirmation of this action. 
A full explanation as to why this action was taken without proper notice. 
Assurance that Equifax will adhere to FCRA requirements in the future to prevent further illegal practices and consumer harm. 
If this issue is not promptly addressed, I will be forced to escalate this complaint by filing grievances with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Equifaxs lack of accountability in this matter will not be tolerated. 

I expect to hear from your office no later than XX/XX/year> Sincerely,
Consumer complaint received 2024-10-04
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. (TX)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has significantly affected my life, causing considerable stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-Off Account, Account Number : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported by Commonwealth Financial. I believe this charge-off is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ).

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the charge-off reported by Commonwealth Financial is inaccurate and incomplete. 

I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the charge-off. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 
2. Any documentation proving that the debt in question is valid and legally owed by me.

3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. 

I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. 

Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations XXXX result in further action on my part.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In early XXXX capital one card ending XXXX they would bill me over XXXX then I immediately pay them they would thereafter immediately bill me that same amount up to around XXXX over and were trying not to hurt my credit score but had to stop because I couldn't afford and they would not stop but started admitting they owed me close to XXXX. That whole time I'm telling them this has got to be illegal XXXX immigrant scam XXXX XXXX XXXX fake XXXX and XXXX again has gotten XXXX chase credit cards in my name ending XXXX, XXXX, XXXX and XXXX are handled by XXXX XXXX XXXX Ext. XXXX also from XXXX still claims unpaid. Capital one has an corrupt fraud department because there advocacy lady representative called me in early XXXX telling me they would send me a check on claim XXXX prior to XX/XX/XXXX and I were thereafter told by XXXX over the phone that not only was this identity theft with that card capital one ending XXXX but that also XXXX XXXX had stole my ssn number on the blackweb so I call back complaining that they had never told me that then got transfer to fraud and the guy said no payment could be issued untill they investigate and immediately stalled everything and sent a new claim no. XXXX all unpaid.