davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (OH)

I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed XXXX XXXX Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.
Consumer complaint received 2024-07-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I contact Credence Resource XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$960.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). 

I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them to authority to collect on behalf of the orginal creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I have federal student loans with fixed interest rates. Now the loan is managed by MOHELA. Recently they moved it to new online platform and now they are charging me 0.25 % higher interest than original rate. These supposed to be fixed rates. The customer service line is not reachable due to high volume of calls. Please help!
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Opened a dispute with Chime banking, provided all evidence the company I bought from never provided product, they denied my dispute saying no error. They reopened, I provided more evidence including all packages from XXXX, proof of messages between seller and I, transaction, provided more proof that they stated the seller didn't even respond to dispute or show any evidence of sending or attempting to send a product. I ask chat, they refer me to email, I email, they refer me to chat, I tell them both this and they say call, I call and they refer me to email. No one is answering or updating me about it or telling me any information as to why or what I can do. Many many complaints from thousands about chime and their dispute department and how they have all proof and still denied.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX, XXXX-requested a copy of credit reports from all 3 credit bureaus. ONLY EQUIFAX will not provide same despite my sending them additional information they requested. 

On XX/XX/year> they sent the same letter that was sent to me XX/XX/year> and XX/XX/year>. They have already received my information. Please reference my previous complaint submitted XXXX XXXX.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit 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: CITIBANK, N.A. (VA)

I purchased roofing supplies on XXXX shipped via XXXX The packages were delivered to wrong address. I opened a dispute and upon completion of investigation I received a letter with a photograph of house products were delivered too. It was not my home, which i informed them of this and was told I would be liable. Fortunately several weeks after expected delivery the ederly non English speaking neighbors for which my packages were delivered sent one of their children over when he came for a visit. I had to go pick them up resulting in injury. For litigation purposes XXXX is requesting this letter. I have made 4 attempts since XX/XX/XXXX requesting this letter and also attempted to retrieve it online. Dispute number is XXXX
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (TX)

Multiple unauthorized transactions for a website that looks sketchy. I tried calling the number on the back of my card but couldnt get past the automated system because I didnt know the zip code associated to the card ( I tried my own and the companies zip codes neither worked ) I believe what may have happened is that when originally checking balance on my card, I input the card information that looked similar to the url on the back of the card but wasnt exactly the same ( XXXXXXXX  instead of XXXX ) Charges were as follows XX/XX/year> Purchase Original Sale XXXX... 
XXXX XXXX CA XXXX XXXX - {$40.00} XX/XX/year> Purchase Original Sale XXXX 
XXXX XXXX CA XXXX XXXX - {$13.00} XX/XX/year> Purchase Original Sale XXXX 
XXXX XXXX CA XXXX XXXX - {$43.00} XX/XX/year> Purchase Original Sale XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$100.00} None of the charges on the card were taken by me
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Company has the incorrect address for on my credit report causing a derogatory mark on my credit report.

I have spoken to them previously and they haven't removed the address. 

I also reported the issue to XXXX with negative results.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc. (OK)

I used to live in XXXX XXXX in XXXX. after moving out I have not get my deposit back pluse they put a charged on me. I requested bills of the the stuff that they are saying needs to be fixed and it is my right that they show me they fix things and show me receipts but they never gave me that. they just send me a list of the things that needs to be fixed
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (MI)

I am filing this complaint against XXXX, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Corelogic, Clarity, and ARS are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, Corelogic, XXXX, and XXXX  have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

I am filing this complaint against Innovis, XXXX, and XXXX XXXX Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and XXXX  XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( XXXX ), XXXX  XXXX et seq. 

Under the Michigan Consumer Protection AcXXXX ( XXXX  XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report, Innovis, XXXX, and XXXX XXXX Auto are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, Innovis, XXXX, and XXXX XXXX Auto have violated this section. 

XXXX. Michigan Collection Practices AcXXXX ( XXXX ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

There is no way for me to provide update to the CFPB on existing files. So I had to create another complaint to update the CFPB on our continue dealing with Bank of America. 

After filling the first complaint, some from BOA regulatory department called me and promised to keep me update on his filling. That was XXXX to XXXX weeks ago and I have not heard from him since our first call. 

He did tell me that XXXX DID NOT provide BOA the required documentation to support their claim. He had the bank would be forced to take the issue to arbitration and that would cost BOA money. 

Now we have been keeping count. We have spoken to XXXX BOA employees over the past XXXX  months to either alert them on our dispute with XXXX or at least XXXX of them telling us a different story every time we called in for this one issue. 

Now my last call was with a Supervisor. She was very helpful but her solution is unacceptable. XXXX stated, BOA can only go back XXXX days. Our claim is for XXXX and they only want to give us about {$4000.00}. As I told the Supervisor, we have been complaining about XXXX with BOA since XX/XX/2024. And we know for a fact, we disputed the XXXX charges from XXXX. 

Our company is struggling because of this issue and other forces. If this issues is not resolved extremely soon, we may have to close our doors. We are a XXXX XXXX  and we can not afford our funds floating for XXXX months plus. 

We need help immediately. 

I also attached XXXX new documents from XXXX backing up our claim.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went to freeze credit on Trans Union. They added a spurious middle initial to my name. The did not include my major employment ( XXXX XXXX  ) They did not allow me to add this to a statement on my account. 
I will be sending them a letter. In order to change a name, I would have to include a copy of my driver 's license, social security card, or some other proof of identity. I prefer not to send them anything since I do not trust their ability to correctly use my information.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX filed a collection with each credit reporting agency in XXXXXXXX XXXX XXXXXXXX without any prior notice of delinquency. The amount on my credit reports states the total amount was {$300.00} ; however, the company charged me {$300.00} as the final payment on my debit card. The account was paid over the phone with a debit card ending in XXXX on XX/XX/XXXX. XXXX sent a receipt ( after a request ) on XX/XX/XXXX, showing the total sum was paid. 
XXXX and Equifax are continuously reporting this account as " unpaid '' when other reporting agencies have accurately reported the account as closed/paid. 
I filed XXXX disputes with Equifax both on XX/XX/XXXX and XX/XX/XXXX, disputing the account status and both were incorrectly returned as " unpaid '' statuses. 
I further had to pay to pull my credit reports from all three bureaus and as of XX/XX/XXXX, Equifax and XXXX are still reporting the account as " unpaid. ''
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (IA)

I have contacted Marcus to raise my credit limit, which is {$300.00}. It is a GM Card. They refuse to do it, they say i do not use it enough, but {$300.00} is nothing, why would i use it? It makes no common sense. 
I contacted them last week, I believe it was XX/XX/year> and spoke with a CS rep and they weren't able to do anything about it. They said they would note the complaint or what not. 

I have also filed a XXXX complaint, and they aren't offering any latitude or resolution. 

My Credit score is not the issue here, nor is the income. Ever since they took over the GM card, the credit limits have been really low. If i charge purchases, it affects my credit score even with a minimal balance since the credit limit is so low. This company needs to be investigated for these practices. I can see them trying to rack up extra fees by folks going over their limit. They make it so hard to do business with
Consumer complaint received 2024-09-21
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: LEXISNEXIS (MI)

LexisNexis provided a bogus response stating they could not remove the bankruptcy due to not verifying my identity this is untrue. I have provided LexisNexis with my identification several occasions and I find their stall tactics to be completely unacceptable so I have no choice but to sue LexisNexis and recover damages this serves as notice.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (MI)

I am writing to file a formal complaint against World Finance regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting World Finance to provide full validation, as required under federal consumer protection laws. 

Issue : World Finance has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting World Finance to provide proper validation of the debt, including : 1. The amount of the original debt.

2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) World Finance must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with World Finance, as required by the Truth in Lending Act.