davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Date : XX/XX/XXXX Subject : Complaint Regarding Medical Collection Accounts- Wakefield and Associates To Whom It XXXX Concern, I am writing to formally file a complaint against Wakefield and Associates, Department XXXX, regarding XXXX medical collection accounts that I believe violate the Consumer Financial Protection Bureau 's ( CFPB ) regulations on medical debt collection. 

Account XXXX : XXXX. Account Number : XXXX Date of Service : XX/XX/XXXX Transfer Date : XX/XX/XXXX Opened On : XX/XX/XXXX Amount : {$1200.00} XXXX. Account Number : XXXX Date of Service : XX/XX/XXXX Transfer Date : XX/XX/XXXX Opened On : XX/XX/XXXX Amount : {$1300.00} Under the new regulations that took effect on XX/XX/XXXX, medical debt XXXX must wait at least XXXX year before placing medical debt on a consumers credit report. In my case, the first account was transferred within XXXX months of the service date, and the second account will also violate this law if reported before XX/XX/XXXX. 

I have previously disputed both accounts with XXXX and XXXX, and both times the responses indicated that the accounts " meet FCRA requirements. '' However, I believe these accounts do not comply with the current regulations regarding medical debt reporting. 

I will attach files from my medical bill, the conversation with the hospital representative confirming the transfer dates, and snapshots from my credit reports to support my claim. 

Suggested Actions : XXXX. I request that both accounts be deleted from my credit report immediately, as they violate the CFPB 's regulations. 


XXXX. If these accounts are not removed right away, please be advised that I am considering legal action for the full amount of the debts for every month they have been and continue to be on my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have made several attempts to update and correct my credit file from XXXX, Equifax and XXXX and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over 30 business days for some type of investigation to take place.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (NC)

navy federal credit union hired conserv to retrieve the overdrawn checking account balance of XXXX dollars I had with them. This company, conserv calls me multiple times a day and with different numbers. they even call late at nights as well. I am a XXXX  veteran with so many health issues that I can't deal with it and being on so many medications that I can barely function. navy federal also refuses to refund me the XXXX dollars and XXXX dollars I paid them on the XXXX of XXXX, 2024. Each time I call, they said they can't do anything for me. I contacted my local state congressman already. I also plan to get the state attorney general 's office involved
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

I had several accounts business and personal with Navy Federal Credit Union, their were several charges that I disputed with the fraud form from Navy Federal. My claim was denied, I asked the reason and was told that I made the charges. My business debit card and business checking account was fraudulently used in the state of California at various places for purchases in the amount of {$48000.00}. I live in XXXX, and when these point of sale transactions was made I was in my home state of Illinois. I recently was looking at old bank and credit card statements and I noticed charges on my credit card and debit card statements that I made during XX/XX/XXXX. These charges prove I was in Illinois when my business debit card and business checking accounts were fraudulently used. I enclosed a copy of my fraud claim, a copy of my personal bank statement from XXXX showing point of sale charges in XXXX, a copy of my personal credit card statement showing point of sale charges and hotel stays in Illinois, and a copy of my business bank statement showing the fraudulent charges. Navy federal blocked closed and blocked access to my business accounts in XXXX of XXXX, but I keep copies of all my records and bank statements. And with these fraudulent transactions on all my accounts, my personal credit cards got closed for nonpayment, because my money was stolen.
Consumer complaint received 2024-09-26
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)

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates the report by more than XXXX  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. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX XXXX XXXX XXXXXXXX AccounXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX  : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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. 

I appreciate you dealing with this situation,
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am filing this complaint with the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency , block and remove information from my consumer credit report that resulted from identity theft and fraud within 4 business days of receiving this complaint. I am deeply concerned about the inaccuracies on my report, which are detailed below. 

The fraudulent information includes five collections accounts and charge-offs : ACCOUNT NAME 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  These fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing significant stress. I demand the removal of these fraudulent items from all my credit reports and the cessation of any collection activities related to these accounts, in accordance with my rights under FCRA and FDCPA laws. For verification, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX ) from the US Federal Trade Commission, confirming that these credit accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account has caused me so much stress and I have now come to a point where I filed an FTC report regarding this. It is so frustrating to constantly reach out to your company and ask you to investigate this account, but still no action has been taken thus far.
Consumer complaint received 2024-09-26
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: 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 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 informationisinaccurate.
Consumer complaint received 2024-09-26
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: Experian Information Solutions 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.

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 informationisinaccurate.
Consumer complaint received 2024-10-14
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-14
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
XXXX ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
XXXX ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
XXXX ) this breach is further underscored by the fact that XXXX admits that I have made approximately XXXX XXXXXXXX in payments, but they only applied $ XXXX to principal.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity,
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TX)

i sent a letter to experian i asked them to reinvestigate the completeness and accuracy of my accounts on my credit report. when i got my investigation back i noticed they didnt update or modify my accounts according to 15USC1681I5 thats a violation of multiple laws.Please remove these accounts from my credit report XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Synovus/columbus XXXX opened XX/XX/XXXX balance XXXX
Consumer complaint received 2024-09-26
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. (CT)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (GA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.