davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
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. (TX)

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a claim on XX/XX/XXXX for XXXX XXXXXXXX XXXX for {$2900.00}. This was done after I found out the vendor is proving fraudulent financial services. I sent documentation required and my claim was denied. Around XXXX XXXX I decided to send the emails for further documentation even though there were a lot of back and forth between the fraudulent financial service provider ( XXXX  ). 

I sent a fax to Bank of America Dispute Fax # XXXX. Fax was confirmed to have been sent successfully at XXXX XXXX on XXXX XXXX. My fax included XXXX page of cover sheet with XXXX pages of attached documents which showed the emails between merchant ( XXXX  ) and me. 

No response was received so I followed up by phone in which Bank of America claims they never received my fax. 

so I sent a fax to Bank of America Dispute Fax # XXXX. Fax was confirmed to have been sent successfully at XXXX XXXX on XXXX XXXX. My fax included XXXX page of coversheet with XXXX pages of attached documents which showed the emails between merchant ( XXXX  ) and me. 

I called Bank of America XX/XX/2024 and Bank of America states they have not received both faxes.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NC)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name XXXX XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXccount XXXX : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX XXXX XXXXXXXX - Account Number : XXXX Account XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account NamXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (MD)

I RECEIVED A MESSAGE FROM XXXX THAT EVEN XXXX IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST XXXX POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH XXXX. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA XXXX HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a long standing bank account with XXXX up until XX/XX/year> -- where CITIZENS bought all XXXX branches and customers. I had a XXXX XXXX that got transferred to Citizens. In XX/XX/year> I paid off this account completely and requested it be closed. The CITIZENS ACCOUNT is XXXX. Upon paying off and closing the account- CITIZENS reported this as a 30 day late payment to the credit bureaus.
Consumer complaint received 2024-08-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Request for Assistance with Unauthorized Charges and Dispute Resolution Dear CFPB Team, I am writing to urgently request your assistance in resolving an issue with unauthorized charges on my Navy Federal Credit Union XXXX NFCU ) account. Despite my efforts to resolve this matter directly with NFCU and the involved parties, the situation remains unresolved and has left my account in a negative balance. 

XXXX XXXX XXXX  Details of the Issue : XXXX. **Unauthorized Charges : XXXX - On [ specific dates ], several unauthorized ACH charges totaling {$960.00} were made to my NFCU account by XXXX XXXX 
- I promptly filed a claim with NFCU, who initially provided a temporary credit for the disputed amount. 

XXXX. **Claim Denial : ** - NFCU has since denied my claim, stating that XXXX XXXX XXXX authorized the charges. 
- As a result of this denial, the temporary credit was reversed, and my account is now negative by {$960.00}. 

XXXX. **Attempts to Resolve : ** - I have contacted both NFCU and XXXX XXXX XXXX to seek clarification and resolution. However, I have not received a satisfactory explanation or resolution from either party. 

XXXX XXXX XXXX Impact : - The reversal of the credit has severely impacted my financial situation, leaving my account in a negative balance. 
- Despite my efforts to resolve this matter, I have been unable to obtain clear information or appropriate action from NFCU or XXXX XXXX Bank. 

XXXX XXXX XXXX Request for CFPB Assistance : Given the severity of the situation and its impact on my financial stability, I am urgently requesting the CFPBs intervention to : XXXX. Investigate the unauthorized charges and the basis for their authorization by XXXX XXXX XXXX 
XXXX. Ensure that NFCU and XXXX XXXX XXXX  provide clear and accurate information regarding these charges. 
XXXX. Facilitate a resolution that corrects the negative balance in my NFCU account and addresses any improper handling of my dispute claim. 

XXXX XXXX XXXX Supporting Documentation : I have attached copies of my account statements showing the unauthorized charges, correspondence with NFCU, and any other relevant documentation. 

I was also a victim of identity theft early this year and have attached the police that was made I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue urgently. 

Thank you for your time and help. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (CA)

I am submitting this complaint to you to inform you that XXXX and XXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (GA)

Our loan was transferred to Shellpoint Mortgage.Our old company was XXXX, I got behind in my mortgage due to XXXX XXXX  and my medication cost and then loss of job. XXXX was working with us but when we transferred to shellpoint we were told we are in forclosure and they will not help us, we have to reinstate the whole loan or house will foreclose. If I had full reinstatement it would have been paid already. I was told by my POC that our company does things different and we cant help. I am XXXX, I am in XXXX XXXX XXXX on XXXX  and a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and they are going to put me and my wife and 12 year daughters in streets all because I am not allowed a repayment plan. Can anyone help me? I was told I cant have repayment plan or forbearance because I am in active foreclosure. How can I be in foreclosure when I still have a forebearence agreement with my former mortgage co. So apparently shellpoint is doing shady things to let my forebearence run out, it ends on XX/XX/XXXX, so they can forclose. Because I was told by POC I cant get help so they are not trying to help just create more problems.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

This is an complaint against Equifax. 
I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX She is XXXX XXXX XXXX XXXX XXXX XXXX. I have guardianship granted by probate court. I want to freeze my daughter 's credit to avoid any fraud in the future. 

I submitted the " XXXX Adult Security Freeze Request Form '' from Equifax on behalf of my daughter and attached all the requested documentation and sent through certified mail. 

I got a response back from Equifax stating as she does not have a credit file they could not freeze her credit. The credit freeze is for the future NOT past. According to the law she is eligible to have her credit frozen. 

I contacted Equifax through phone and they continue to maintain the stand that their software will not allow her credit to be frozen if she does not have any past credit. 

It is important to note that XXXX was able to freeze my daughter 's credit successfully. 

Please help us freeze her credit.
Consumer complaint received 2024-08-04
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. (NV)

I filed an ID Theft report with the FTC on Equifax investigate my accounts and remove the inaccurate information. Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency Equifax did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation. 
I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information. 

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX XXXX XXXX, which is covered under trafficking as per the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I respectfully request that this information be blocked from my credit report within XXXX business days, in accordance with Section XXXX of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only XXXX being necessary under the law. Furthermore, I have included a victim determination letter as required by XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I Opened a credit card at PC Richards with a synchrony bank credit card I was supposed to receive the item within days however it took months and the bank started billing me immediately. I contact them and they said that they would extend the deferred payments for another year. They subsequently stopped it at the original. Time that the promotion was for leaving me a year without having the deferred interest rate I contacted them and they refused to uphold what their employee had a greed to when asked to review the transcripts of the recorded phone lines. They refused this is Common practice with these credit card companies not following through with what is promised I wouldve never opened up the credit card
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP. 

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2024-07-31
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. (NJ)

I reviewed my consumer report and noticed that I had one late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy, I have Never been late on payments for the Account XXXX XXXX  XXXX. account number : XXXX Please investigade and provide Proof with statements showing that these payments were late, If Proof can't be provided, I demand this payment be updated to on Time as they should be as I was NEVER Late, thanks