davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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. 

The letters are stated with items and issues. 

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 2023-04-20
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. (GA)

There is some information that's on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block the information is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of factory me relevant to the request block the identified transactions.The identified transactions are not information related to any transactions by me as the consumer. 


See Attachment
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX 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 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 2023-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-07-06
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. (IA)

See attached. Equifax has decided it is above federal law and decided to illegally continue reporting this account on my credit report, while both XXXX and XXXX have removed the account. I have already sent a similar packet to XXXX that I had notarized, and they STILL decided to conduct business illegally and not remove this account.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : 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 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 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 2024-09-13
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (TX)

I want to express my concern about the unacceptable practices of certain entities in relation to debt collection linked to my credit accounts. I need to address the transfer of my credit account from XXXX  XXXX XXXX to XXXX XXXX XXXXXXXXXXXX XXXX, under Hunter Warfield Account # XXXX. The debt is now owned by XXXX XXXX XXXX, XXXX, and I am not liable for this debt. I have no contract with XXXX XXXX XXXX, XXXX or Hunter Warfield, and they did not provide me with the original contract as required.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IN)

I did an appeal for the alleged violation that they can't come up with a violation there ain't no violation the appeal was denied they claimed that I violated one of their guidelines but they can't tell me a guideline I violated. Breach of contract I'm trying to get it resolved still it won't resolve so it's in your hands now thanks
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (OH)

I received a check on XXXX for {$3500.00} and submitted it for mobile deposit in my Ally checking account that day. On XXXX, I observed in my account that the check appeared to have cleared and {$300.00} was available for use, with the remaining amount set to become available the following day. On XXXX, I checked my account in the morning and confirmed that all of the check ( {$3500.00} ) was available in my account. Later in the day, I received a call from the person who wrote the check stating that their bank ( XXXX ) flagged the check for fraud and pulled back the funds because my name was handwritten on the check instead of typed like the rest of the text on the check. The person from whom I received the check informed their bank that the check was not fraudulent, and she confirmed that a new check would be issued to me for deposit. Shortly thereafter, I received an email from Ally stating that my accounts were locked and I needed to call. I called the fraud prevention department and answered all of their questions and also attempted to explain the situation to the best of my knowledge. I asked the agent to outline the next steps and provide a timeline for resolution. The agent was unable to provide a timeline for resolution and vaguely explained that there would be an investigation. I called back later in the evening and was rudely dismissed by the same agent. She was unable to explain what was going on with my case and what could be done to retrieve access to my accounts. I called the fraud prevention line again on XXXX and again spoke to the same agent. I requested to be transferred to another agent for assistance. The agent stated she would transfer me to the escalation line. After being on hold for an extended period of time, the agent stated that no one was available to speak to me and she would email someone and ask them to call me. I currently do not have access to XXXX savings accounts, a checking account, and an investment account. Ally is completely unwilling to provide any sort of explanation for how long their investigation will take, what it entails, and when I can expect access to all XXXX of my accounts. I am unable to even log in to Ally to see any of my account balances, and I have no way to receive my paychecks or access my money to pay my upcoming bills.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account at XXXX XXXX in XXXX my cheking account is on hold and I can not use it due to the fact that XXXX XXXX has a Bank of America fraud charge on my record. I have never committed fraud. I called Bank of America and asked the fraud dept why I had this charge for {$610.00} on my closed account on XX/XX/2020, especially since they were the ones that closed my account for reasons unspecified. I told the CS agent that i never got checks issued and after you closed my account I had to wait an additional 5 days to withdraw my balance from the closed account. no single rep in the fraud dept or the other 3 depts that i kept getting switched to could find this charge. 3 hours later I finally get the manager from the fraud Dept, XXXX. He verified that there is no record of this charge and needed to be removed. he instructed me to file a complaint with XXXX XXXX to get it handled. I DID THAT. IT IS STILL ON MY RECORD. I need this fraudulent accusation to be removed immediately. unacceptable on Bank of America part!! I will warn people to stand clear of this bank.. please remove this!!
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kohn Law Firm S.C. (IL)

I'm being sued by a debt buyer and I've been doing some research on this closed very old account. 
This so called debt has been bought by other debt buyers but this current debt buyer is suing me in the XXXX XXXX XXXX XXXX in Illinois. As I read the information in the document I see that this lawsuit on a credit card debt has passed the statue of limitations in Illinois which is 5 year 's and the so called amount owed is on a time barred account. The copy of statement in the lawsuit from original credit card account is falsified as in fraud
Consumer complaint received 2024-09-22
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. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I try remove the following address from my credit report, and have requested to have them removed, updated my address immediately and remove them. I have never lived at these addresses and should not 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
Consumer complaint received 2024-11-12
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: CITIBANK, N.A. (FL)

I noticed 3 unauthorized inquires on my credit and I would like them removed as soon as possible. I have never tried to open a credit card account with neither of these companies. I will provide my ID in the documents to verify my name and birthday. Over all identification.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XX/XX/XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XX/XX/XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XX/XX/XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XX/XX/XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX XXXX XXXX has committed theft and fraud with the assistance of Fed Loan Servicing. They were shut down for stealing funds financial aid and fraudulent loans. They have placed multiple loans on my credit that were not authorized. I received a pell grant which covered my tuition. But they have put XXXX separate loans on my credit without authorization ( 2 years after I was no longer a student ). Not only have they stolen unauthorized grant funds but they have also stolen these funds when i was not even a student when XXXX of these loans were charged.Fed Loan has refused to work with me despite all of the evidence and Police reports filed.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report has failed to provide validated and verified documentation, within 30 days, to prove the item ( XXXX ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I made an electronic payment of {$220.00} to my PayPal MasterCard on XX/XX/23. The monies were removed from my checking account on XX/XX/23, but were not applied to my account. When I called to inquire as to why, I was told that because my account was ( 1 ) less than 6 months old, and ( 2 ) it was a " large payment amount '', that my payment would be on hold for 15 days to prevent fraud. Just to be clear, I have been a PayPal customer for more than 10 years and have never had any negative issues with my personal finances. 

No where in the credit agreement does it say that a hold will ever be placed on a payment. Nor would they specify what a " large payment '' is in relation to anything. I was also told that " no one had authorization to release my payment ahead of the 15 day waiting period ''. When I expressed my dissatisfaction and complained that I was given no notice of this arrangement, I was basically told there was nothing that would be done about it. 

I want to know in what universe a company can take my money through an electronic transfer and then refuse to apply it to my account. I also want to know why they would consider paying my balance to be an excessive payment. And finally, I would like to know why it takes 15 days to verify an obviously accepted electronic payment.
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to dispute the presence of inaccurate information on my credit reports with your respective agencies. I have identified an account ( XXXX XXXX XXXX Account # XXXX ) that has been reported with inconsistent last activity dates ( XXXX- XX/XX/XXXX, Equifax- XX/XX/XXXX ). This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ). I have previously contested this inaccuracy, however, it still appears on my report. This persistence of incorrect data further contravenes the stipulations of the FCRA, in particular, 15 USC 1681 ( e ) ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In addition, the failure to rectify this error after my previous dispute violates 15 USC 1681i ( a ) ( 1 ) ( A ). According to this provision, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.