davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I was informed that Navient had released a form to have your personal student loans discharged due to school misconduct. The form is not available online or through email. I was told that the only way to receive the form is to have them mail it to you. I requested the form be mailed to me and I was assured that it would be. I confirmed my mailing address multiple times with the individual I spoke with. It has now been over two months since the form was requested and I have still not received the form. Additionally, I received a different letter from Navient stating that my personal loan had been sold to XXXX and that they would be processing my loans moving forward. The email that was sent from Navient does not indicate a specific date for the change of loan servicer, it simply states, " this fall XXXX will begin servicing your student loans instead of Navient ''. So instead of supplying me with the means of maybe getting my loan discharged, they instead withheld that form and then sold my loan to a different servicer. To date, I have sent Navient over {$60000.00} to pay back a loan that was originally borrowed over ten years ago, for an original amount of {$26000.00}.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America kept me on hold for over 40 minutes and refused to close my without giving them a reason. It was a lot of hoops to jump through. I basically felt like I was being held prisoner by Bank of America.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (MD)

Dear Sir/Madam, I am writing to file a formal complaint against Spring Oak Capital concerning an unresolved issue with a disputed item on my credit report. Despite my repeated attempts to resolve the matter directly with Spring oak Capital, the disputed item remains inaccurately listed on my credit report, causing significant damage to my creditworthiness and financial well-being. 
Background : In XX/XX/year>, I disputed a collection account listed by Spring Oak Capital on my credit report. In XX/XX/year>, it appeared on my credit report via XXXX XXXX XXXX  website as deleted. But the disputed item has not been deleted from my actual Credit PROFILE with XXXX.
Consumer complaint received 2024-08-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

Starting XXXX of XXXX * I canceled service, returned their equipment, ( 3-4 routers ) thru the prepaid shipping service. 
* contacted XXXX customer service by phone several times, provided tracking information of returned equipment * XXXX, XXXX, XXXXca n't read tracking # ) up until recently to verify items received ( it was confirmed the label was used and items received ) but their system did not update as received. Thus the non returned equipment fee that is being reported by their collection agency- IC Systems . 
Spoke with several XXXX  agent that assured me they have updated their system and I could receive a final bill reflecting the {$210.00} credit. ( still waiting ). After reaching out regarding on XX/XX/XXXX and speaking with XXXX in the XXXX XXXX XXXX she transferred my call to the department that can help and then. ( transferred call to third party ) IC System Collections after threating not taking care of this today will negatively affect my credit rating. After connecting I spoke with XXXX at XXXX and was informed by him that I own the equipment that was returned and that if the pay off amount of {$210.00} can be settled for just {$110.00}. today or by sending them a letter from XXXX showing the {$0.00} balance of the debt they reported for returned items. 
* On XX/XX/XXXX I get notification regarding a XXXX decrease on my XXXXredit score and still no finial bill showing they received items where myself ( customer ) returned even though proof was provided to them.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

Schwab reports tech issues locking customers out of their acts on one of the biggest market correction days in recent history. website, app, phones, online chat all down. 
I am forced to watch my XXXX XXXX with no ability to sell off or move my money around to limit losses.
Consumer complaint received 2024-07-07
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. (MD)

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 2024-07-07
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)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-07-07
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-07-07
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. (TX)

The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, XXXX, and Equifax. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.
Consumer complaint received 2024-07-07
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)

I AM INTERTESTED IN PROCESSING DISPUTES FOR THE FOLLWOING ITEMS LISTED ON MY CREDIT REPORT THAT IS HINDERING MY FIEL. THESE ITEMS DO NOT FOLLWO THE FCRA RULES. I AM ALSO A VICTIM OF IDENTITY THEFT, PLEASE REVIEW AN REMOVE ALL LISTED ACCOUNTS THO HELP CLEAN MY CREDIT REPORT ASAP.
Consumer complaint received 2024-07-07
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)

XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXX XXXX  has already took the step to stop reporting to XXXX and its been delete. XXXX a victim of the EQuiFaX data breach I believe my identity has been stolen as result of that!
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
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.

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 informationisinaccurate.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX # XXXX is reporting lates from XX/XX/XXXX through toXX/XX/XXXXthat are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.
Consumer complaint received 2024-07-07
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. (TN)

In Accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX. XXXX vacation own. XXXX XXXX XXXX. XXXX XXXX  XXXX. has violated my rights. 
When I requested my credit report from XXXX on XXXX I notice somethings were incomplete and not accurate, and according to the fair credit reporting act. whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in general, after any reinvestigation under paragraph ( 1 ) of any info disputed.by a consumer, an item of information from the file 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 my file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 accurate.
Consumer complaint received 2024-07-07
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. (CA)

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial may consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, Equifax, XXXX and XXXX and have asked for documentation showing where I have given consent for XXXX XXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX  XXXX permission to give me personal information to a 3rd party collection agency. 

XXXXinal Liability ( CFRA 604 and 620 ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses.

If someone in Transunion furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Consumer complaint received 2024-07-07
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)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Consumer complaint received 2024-07-16
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. (CA)

XXXX XXXX Acct # XXXX Missed Payent Dates do not match According to 15 USC 1681e ( b ) it states this ( 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-07
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. (NY)

Move to dispute all hard inquiries reported by XXXX XXXX, Equifax, and XXXX. Was told they were just collecting data and running credit report. And information will have no effect on credit report. They were doing soft pull of information.credit report. Incorrect reporting of XXXX XXXX filing pending status with notice of Motion of dismissed granted XX/XX/year>.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-07
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

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 2024-07-07
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-07
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. (ND)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2019-08-01
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: Synergetic Communication Inc (MI)

Synergetic Communications, incXXXX XXXX XXXX. XXXX # XXXX, XXXX, TX XXXX. 
www.syncomcorp.net, Phone : XXXX XXXX XXXX, FAX : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. Debt written off XX/XX/2001. 

They are sending notices out to people for debt collection. Of course most people with debt can not read, write or let alone understand the law of statute of limitations. 

Not until the 2nd paragraph of the debt collection notice in exceptionally small print does it state : " This debt is too old for you to be sued in court as the statute of limitations has expired, and you can't be require to pay it trough a law suit. '' Here is the worst, note : the last bit of this sentence, " and you can't be required to pay it through a lawsuit. '' I have a degree in English Literature. And I found that last little bit in that sentence was confusing. Can you imagine the illiterate trying to decipher this?

Thank you very much for your help and please thank XXXX XXXX for working across the isle to create this agency.