davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-20
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. (FL)

MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - COMPLCREDI - XXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND XXXX THIS IS IDENTITY THEFT - XXXX XXXX XXXX  - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - REGIONALAC - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED
Consumer complaint received 2024-08-20
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. (NC)

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 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (DC)

On XX/XX/XXXX I filed my 1st CFPB complaint XXXX against XXXX for attempting to collect a debt not owed upon receipt of a letter XX/XX/XXXX. I moved out of the XXXX at XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX was onsite and witnessed the movers taking my things out of the XXXX XXXXXXXX. I turned in the keys to the front desk receptionist after I completed my move on XX/XX/XXXX. I am continuing to receive current monthly rental and lease charges in the amount of {$2000.00} per month plus late fees and charges from Conservice 3rd party billing service the rental property uses. I am concerned about this attempt to collect a debt I do not owe and the negative impact it has on my credit. The actions of XXXX and XXXX at XXXX XXXX is unlawful, deceptive and unfair business practices. Such action is illegal and should be stopped. I disagree with XXXXXXXX XXXX response to CFPB XXXX " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of The XXXX at XXXX XXXX XXXX. Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' I provided a copy of the inspection report that clearly states the date I moved out of the unit. XXXX failed to review this evidence. XXXX lied to CFPB that they were working on a response. However, I received a threatening letter XX/XX/XXXX which I attached to my 2nd CFPB complaint XXXX that was closed as a duplicate. I attached a copy of the threatening demand letter for payment of debt I did not owe from XXXX. I am filing this 3rd CFPB complaint in view of the recent letter I received from XXXX with its proposed resolution amount of {$4200.00}. I am very concerned and upset that XXXX and XXXX XXXX XXXX d/b/a The XXXX at XXXXXXXX XXXX  continue in their deceptive, unlawful and unfair business practice. This business practice should not be allowed to continue. I am referencing my 2 CFPB complaints in this 3rd complaint because it depicts the company 's deceptive, unfair and unlawful business practice in trying to collect a debt that I do not owe in spite of having provided evidence to the fact that I moved out of the unit and turned in the keys. I do not owe the debt and all debt collection should cease forthwith and with immediate effect.
Consumer complaint received 2023-10-31
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. (NC)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

15 U.S.C 1681 A. States I have the right to privacy.

15 U.S.C 1681 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 mor 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 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN INTERNET MORTGAGE (MS)

We have a loan modification approved since XX/XX/XXXX. Our payments would be {$590.00} for a 40 year term until XX/XX/XXXX which we began making those payments and have paid on time every month. Prior to the modification we had paid our payment of {$770.00} on time for the previous 24 months following the XXXX forbearance program. 
Everything was going smoothly until they sent a letter as of XX/XX/XXXX they would be doing in-house servicing. Ever since they had made account error and compiling errors. They added late fees, they increasd our payment amount on XX/XX/XXXX with payments to begin on the XX/XX/XXXX statement by 35 % and posted an {$11000.00} second loan on our account without our knowing. They also sent a new account number where we can not print from the previous account info. They repeatedly made payment errors. They have made damaging credit reporting stating late payments and loan balance increases. 
We have been communicating regarding the error since XX/XX/XXXX without a response. 
We finally had to send an additional " Not of XXXX '' XX/XX/XXXX asking for a response in 5 days as we were told from the Mortgage company and then following up with a letter as well to their Board without response. Prior to that we send an " note of error '' by email which was ignored, thus the postal letter. 
To date, we have had no response nor any error corrections to our mortgage account.
Consumer complaint received 2023-10-31
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. (FL)

There is information that is on my constimer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
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  You are required to do what I am asking and block these transactions from being reported. 
I look forward to your response.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2023-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I was sent via U.S. mail a debt collection notice, from AMSHER COLLECTION SERVICE, XXXX XXXX XXXX XXXX  XXXX, XXXX, AL XXXX, regarding a collection of {$370.00} for an account under my name. Upon review of the collection notice, it had an address of XXXX XXXX XXXX XXXX, in XXXX, Texas XXXX. When I called this collection agency on XXXX XX/XX/2023, I spoke with multiple people from this office. Specifically, speaking with XXXX XXXX and a XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX, of the mistake on the collection. She informed me that the only way to check on this file, was if I provided by date of birth and SSN to them. I mistakenly did so out of confidence they were actually going to check their systems. She informed me that there was no file on record with my personal data. I asked for a letter confirming this, any both personnel informed me to dispute the collection via the credit bureau. I did just that and disputed the case multiple times. XXXX Credit Bureau case numbers : XXXX and XXXX were filed to dispute. Results on both cases came back from AMSHER COLLECTION SERVICE, indicating the debt was " accurate and updated. '' I have filed a police report with XXXX Police Department, Case # XXXX, with Officer XXXX, Badge number XXXX. I am seeking assistance on this matter, as the collection service, used my pesonal information fraudulently to claim they were looking for information on the collection, when in fact they used my information to support their case file on this collection. I've never resided at the XXXX XXXX XXXX XXXX address in my entire life. I am an XXXX XXXX service member and have served my country for 24 years. This collection has tarnished by credit rating and I desire this company to be held responsible for their nefarious intentions with my personal data and to have this collection removed from my credit report immediately. You can review my credit report yourself and see with my creditors that this {$370.00} collection is not mine. Please, I plead with you to review my credit report and do your own assessment. Thank you, XXXX XXXX, XXXX
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I tried opening a Venmo account ( for my friends birthday - as advised by my friends )- and I filled in information - including my credit card information. Then a program popped up saying I was to pay {$50.00} per month to watch programs! I didnt sign up for this. My goal was to send a friend {$50.00} for her birthday- as my friends suggested that I use this program. I have never used it before. 

Now Im worried that I gave my credit card information to this company- which I think might be fraudulent. How stupid was I? 

Please advise. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I didnt keep track of the dates but for over three weeks Ive been reaching out to them to correct my name some how a XXXX  was added to my name Ive sent two faxes with all the info and nothing I also sent a certified letter requesting that they remove that XXXX  off my name because I cant apply for credit because its not my name nothing I keep calling Ive sent all the documents that they need I get from them when u call they havent received the documents are that they havent uploaded its on going and its really sad that the consumer has to go through all of this to get something so simple taken care of Im at my end with Equifax
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

In early XXXX someone reached out to me and said that they wanted to help me join an organization that is dedicated to helping one improve themselves and help others. There was an initial start-up cost and after conversing and gaining the trust of this individual. I believed that he wanted to help me with this cost. He sent me a check book and with my youthful ignorance I did not realize the checks were in my name. I agreed to cash a check for {$4200.00} and I sent it over to a XXXX XXXX wallet. After the transfer, my account showed that the check was redacted. My account still stands at a negative balance and I have no means to pay this off. All I want is for my account to be at a XXXX balance so I can close the account because this alleged organization has the account and routing number. I have no idea what to do and this XXXX XXXX is already hard enough. I informed the bank the what happened, but they are willing to do anything.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MN)

I have a payment due in 2 days and never received an account invoice. The amount just appeared on my screen with a due date of XXXX. I thought I was supposed to start making payments last month but nothing ever auto withdrew.
Consumer complaint received 2024-08-20
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. (FL)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (NC)

I am writing to bring to your attention a critical matter concerning a credit dispute with First Progress Credit Card ( " 1st Progress '' ). Despite repeated attempts to resolve the issue, First Progress has failed to provide a response or undertake corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ). The purpose of this correspondence is to formally document the aforementioned issue and request your intervention in rectifying this matter. 

Account Information : Account Number : XXXX Alleged Charge-off Amount : {$150.00} XXXX wish to emphatically state that I have never maintained or held any form of credit card issued by First Progress XXXX Notwithstanding this fact, First Progress has reported the alleged charge-off of {$150.00} on my credit report, which is not only inaccurate but also severely detrimental to my creditworthiness. 

Furthermore, I have made diligent efforts to rectify this erroneous reporting by sending XXXX written disputes to First Progress on the following dates : XXXX. XX/XX/2023 XXXX. XX/XX/2023 Regrettably, I have received no response or acknowledgment of these disputes from First Progress. This consistent lack of engagement and the failure to adhere to the statutory obligations prescribed by the FCRA compel me to seek your assistance in addressing this matter. 

It is evident that First Progress has not complied with the requisite standards and best practices in the credit reporting industry. Their continued refusal to acknowledge and rectify this error has far-reaching implications for my creditworthiness and financial well-being.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Neon Newco Corporation (MO)

XX/XX/XXXX they texted and said account has been locked, called and said different email reset and was working then later same thing call center so they cancelled my XXXX cards and it also showed I had XXXX others that were not mine XX/XX/XXXX got new cards activated and was fine then later that day texted again account is locked callled and email changed again reset user name and password, XX/XX/XXXX same thing reset and was fine afternoon locked again and then suddenly they said I had a old dispute that was from 2013 that I needed to pay started out at XXXX changed later to XXXX now XXXX and wants me to send them cash