davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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. (MO)

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX  / XXXX inquiry- XXXX / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation of 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Consumer complaint received 2024-08-08
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. (CA)

The XXXX XXXX XXXX account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-11
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. (PA)

This letter serves as my final demand for the immediate deletion of inaccurate and invalid negative items from my credit report. Despite previous disputes, these items remain inaccurately reported, causing significant harm to my credit profile. I insist that these items be corrected and removed immediately to prevent further damage.
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. (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 information is inaccurate.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My account with Bank of America was locked over XXXX XXXX weekend. This account was only opened a week before, and as an new XXXX XXXX, all my fund for a new school year is in this account. I went to the branch on XX/XX/XXXX to resolve this issue, only to find out that my account is not locked but closed by the bank without any notice, the manger who assisted me also have no clues of this. She said that I cant reopen with Bank of American in the future and my fund in my account will be mailed to me in a check which will take a few business days. I never got any logical explanation of the sudden closure of my account, and now I have no excess to my funds and Im worried if they will loss my fund just like they did with my account.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (GA)

Hard inquiries from both XXXX XXXX XXXX XXXX XXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have asked them repeatedly for an original letter from the creditor that shows the amount they " purchased " also if they are also even able to collect debt in my state. I received only letters from their company showing my payments options to them. they acknowledge I ask for verification letters in XXXX of XXXX and every month since they have called and still only receive letters telling me my options for paying my debt through them ( I havnt had this card for 6 or so years ). Still can not receive original credit statement. Am told ( by belittling me ) that they have sent them out. Portfolio Recovery
Consumer complaint received 2024-10-11
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)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

I took out Federal Loans through XXXX XXXX XXXX for my XXXX terms from XXXX at XXXX XXXX XXXX XXXX I had paid off my account entirely in XX/XX/XXXX through XXXX XXXX XXXX. 

Sometime between XXXX, my zero balance account was transferred to EdFinancial Services XXXX Beginning in XX/XX/XXXX EdFinancial began calling and mailing me asking me to pay off a remaining balance of almost {$15000.00}, which was equivalent to the full amount that I had paid off in XXXX to close out my account. 

After months of trying to reach EdFinancial Services ' finance department, I was told that it was because there was supposedly a refund check mailed to me XX/XX/XXXX for all student loan payments made during the COVID-19 student loan forbearance issued by the Biden administration . I had NEVER received this check nor had cashed it in. 

I contacted the Department of Treasury who sent a copy of the check that was addressed to me but cashed in with a forged signature and name on XX/XX/XXXX to EdFinancial Services. The check number is XXXX. EdFinancial Services agreed that the check was stolen and that it was because of this that the balance was showing as still overdue in my account, despite receiving bank statements from me verifying that I had FULLY paid off ALL my student loans in XXXX. 

It is now XX/XX/XXXX and I am still dealing with a lack of response or action on EdFinancial Services ' end. They have received the check copy and proof from Department of Treasury that my refund check was stolen and cashed in and that I am not responsible for the remaining balance. They have agreed that my account should be reset to zero. However I have been consistently pushed around by the entire customer service team that their finance department is backed up and still needs more information that I no longer have to give because my original account with XXXX XXXX XXXX was closed out YEARS before being transferred to EdFinancial Services. 

Please help. I should not be penalized nor should I have to continue dealing with this institution 's high level of unprofessionalism and inaction for a balance that I paid off ENTIRELY XXXX XXXX ago and on time to an issuer that no longer is active. Nor should I have to pay again for a refund check that was mailed to me in an insecure method without my knowledge, cashed in without my knowledge. 

I am NOT interested in receiving a reissued refund check from the Department of Treasury. 

I would like my account balance at EdFinancial Services to be cleared to ZERO as it was originally and to NO LONGER be pursued for the loan amounts I had fully paid off.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CT)

BARCLAYS BANK DELAWAREXXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Dispute of Debt Account : XXXX Dear BARCLAYS BANK DELAWAREXXXX I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not XXXX in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

XXXX  offer programs to discharge student private loans from school by not only found but been charged guilty for illegal fraudulent practices. My forms was sent to them multiple times from XX/XX/XXXX to XXXX and replied to me that it will take 60 days to complete. They betray my consumer trust on handling it properly by transfer my private students loan to Mohela company whom already under scrutiny for mishandling student loans, and later discover they denied my school discharge form. Mohela doesnt have those type of programs which does explain it, meaning XXXX illegally transfer my loans and broke promises to freeze my transfer.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

I opened a KeyBank checking account. I had no issues until a check deposit. I was even offered a credit card. I deposited a check on XX/XX/year>. I received an email and a letter that stated that they were holding my funds until XX/XX/year>. On XX/XX/year> my bank account was frozen and locked. I have tried numerous times to get a resolution from KeyBank. They sent me to their " highest '' office which is the executive office. I told them that it was imperative for me to have my funds to pay not only my mortgage but contractors who were doing work on my house and they are here now and I have no funds to give because of KeyBank. I have been told to go to the actual branch which I have gone to, on XXXX XXXX as instructed. I was told that I would be able to get my funds out of the account on XX/XX/year>. I went and they gave me {$500.00} worth of the deposited check but would not give me the full amount. I have wasted gas and work time trying to get this resolved. I asked them to give me the rest of my funds and close the account as this made no sense. The reason the check hold was is because it stated they did not think the check would be paid however it's just sitting in the account, PAID, made available to KeyBank to most likely invest but not made available to me to pay necessary bills and the contractors. I've been given no dates of resolution because no one knows. I was told I'd get an update every 2 to 3 weeks. That's absurd. I was told oh you should get a call back in 2 to 3 business days. I've been given the run around. I am TIRED. The last thing I was told was to go back to the branch and sign a sworn statement that I'm the one that deposited the check in which I did on XX/XX/year>. I tried calling the executive office back right after so that I can get the funds released to me and I have not received a call back. I called this morning XX/XX/year> at XXXX and was told again that whom I'm working with is not available and they'll give me a call within 2 business days. I asked if there was someone else I can speak with and they told me no. I'm beyond done with this bank and want my funds immediately. I have contractors to pay today actually. The rep that I am working with in the executive office is XXXX. Phone number XXXX. Case # XXXX.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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. 


XXXX 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 2024-09-10
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. PLEASE SEE ATTACHED LETTERS.