davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
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. (DE)

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-06-23
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)

XXXX. Violation of 15 U.S.C. 6802 ( Disclosure of Nonpublic Personal Information ) : The financial institution has disclosed my nonpublic personal information without my consent. This is a clear violation of the privacy requirements set forth under the Gramm-Leach-Bliley Act.

2. Violation of 15 U.S.C. 1681 ( Fair Credit Reporting Act ) : 15 U.S.C. 1681 ( 4 ) : The credit reporting agency has failed to maintain the accuracy and integrity of the information in my credit report.

15 U.S.C. 1681b : There has been an unauthorized access to my credit report, which violates the permissible purposes outlined under this section.

15 U.S.C. 1681c-2 : I have placed a fraud alert on my credit file, but the agency has failed to take appropriate action as mandated.

3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : I have reason to believe that my personal information has been used fraudulently without my authorization, constituting aggravated identity theft. This has caused substantial harm to my financial and personal well-being.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

XXXX XXXX XXXX XXXX has not send any documentation from the request for production of documents send on XX/XX/year>. His firm has filed a calm on XXXX to pursue a debt which I deny.
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. (GA)

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 Human Trafficking - Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX year premier customer, XXXX credit score, my husband passed unexpectedly. As a grieving widow I am shattered and very disappointed in the handling of my account. We have a joint checking account and use the same login to pay bills. I was told by the XXXXXXXX XXXX office, XXXX that, everything will remain the same with my checking account. It did not. I have auto pay for most bills. This was wiped clean when his account was closed. Why was it not transferred or made available to me? I brought in all Will/trust/Executor information. I had XXXX in person meetings the past XXXX weeks and, spoke with XXXX people on XXXX. XXXX XXXX XXXX XXXX opened claim : XXXX Do not tell me how much you value my business and feedback and then tell me it will take XXXX  days to look into this. I was not told that you can move the bill pay data to my new login. This is what I need Now! I need to pay my bills. 
Why can u not assist a widow at the most vulnerable time in her life? I thought BOA was better than this. I was wrong. 
XXXX XXXX
Consumer complaint received 2024-07-20
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. (IN)

XXXX equifax and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 
Please delete the following accounts. 

XXXX XXXX bal. {$1900.00} XXXX XXXX XXXX XXXX XXXX. {$1800.00} XXXX XXXX XXXX XXXX. {$12000.00} XXXX XXXX XXXX bal. {$320.00} XXXX XXXX XXXX XXXX. {$1000.00}
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I am a XXXX and have a property listed for sale. NationStar did a Broker Price Opinion ( BPO ) of the property and it came in at {$810000.00}. During the BPO the properties basement was flooded and the BPo agent made no mention of it in the BPO report and subsequently brought the BPO price in an inflated value. The buyer had an appraisal done which reflected it 's as-is value with the needed repairs and the value showed {$670000.00}. The appraisal, photos and the repair bid were submitted for a value dispute. Four weeks later a decision was rendered and NationStar stood by the BPO value of {$810000.00} stating " Please advise how all parties want to proceed as our value did not change from $ XXXX. An appraisal report completed by XXXX ( XXXX ) was submitted for valuation dispute. The appraisal estimates the subjects ' as-is value at {$670000.00} as of XX/XX/XXXX. The appraisal is considered to provide a low value estimate utilizing dated sales ( all sales closed in XX/XX/XXXX ) and the - {$100000.00} across the board repairs adjustment is overstated. The repair estimate included in the appraisal is unsigned and no photos were provided that would confirm the noted repairs as described. The subject is located within a desirable pocket subdivision and a sale was noted on the subjects ' XXXX at XXXX XXXX XXXX XXXX, similar age and size, inferior in condition ( dated, inferior kitchen, requires repairs ) and closed XX/XX/XXXX at {$800000.00}. This sale is less recent than desired but is a good indicator of market support for a reasonably similar substitute property within this market. " How can an appraisal by a master appraiser of 25 years experience be considered inferior to Nationstar 's BPO when he took into account the needed repairs and all the comps that were used for the appraisal be considered outdated when I 'm assuming similar comps for the BPO were also used? The area of the home is a very specific location and there 's only so many comps they can use which is stated in the appraisal. The seller has not received a copy of the BPO because it is the property of NationStar. Nationstar should be required at minimum to do an appraisal of their own if they do not agree with the appraised value as the BPO is a much inferior estimate of the properties real value.
Consumer complaint received 2024-07-21
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. (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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) The document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of The Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts be blocked and deleted company information Equifax. Please deleted the following accounts. XXXX XXXX XXXX XXXX. {$440.00}, XXXXXXXX XXXX XXXX bal. {$2400.00}, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX bal. {$4400.00}, XXXX XXXX. {$1500.00}, XXXX XXXX XXXX. {$370.00}, XXXX XXXXXXXX XXXX  bal. {$2200.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX. {$390.00}, XXXX XXXX XXXX. {$290.00}. XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I noticed that my personal information was being reported incorrectly on my credit report. I am in the process of being employed and the employer is conducting a background check. Questions about my personal information were taken from my credit reports. In an effort to correct the inaccuracies on my credit report, I wrote letters with verification, which included my driver 's license ( DL ), paystub, social security card, and bill verifying my residence. I sent the letters in XXXX XXXX and XXXX. XXXX and XXXX removed the inaccurate information but Experian has yet to remove the inaccurate information.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 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 {$370.00} THE LIST ABOVE OF THE ACCOUNTS, Have violated my written instructions, confidentiality under 1681. With inaccurate information.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-23
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. (GA)

Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : 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 In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-23
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. (OH)

I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed XXXX XXXX XXXX. On my report and have never had any medical services with them.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (OH)

XX/XX/year> {$250.00} which I dont recognize until now I already spoke with US bank and stilt hurt my credit score Almost XXXX years I have been treated unfair by this company and credit XXXX XXXX XX/XX/year> I have a car loan with this company my payment was {$320.00} a month and my engine blows out they told me I can still make payments {$120.00} instead in order to fix it my engine after we were agreed with them I did what supposed to do and fix pay off my car and they reported me as late payment
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

I opened a PNC Bank checking account ( Virtual Wallet with Performance Select ) on XX/XX/2019, using an online offer on the PNC Bank website for a {$300.00} account opening bonus. The terms of the offer were to establish a direct deposit of {$5000.00} to the new account and to make at least 10 debit card purchases. 

I completed the terms of the offer in early XXXX and was assured by PNC Bank customer service representatives on multiple occasions that I had met all of the offer requirements and would be receiving the {$300.00} account opening bonus within 60 days. 

On XX/XX/2019, I called PNC Bank again because I still had not received the {$300.00} bonus. The agent assured me that I had met all the requirements and was going to escalate the matter so the bank could manually deposit the {$300.00} bonus. A PNC Bank representative from the escalation department then called me on XX/XX/2019, to say that I did not qualify for the {$300.00} bonus even though I had fulfilled all the requirements, to include direct depositing {$5000.00} to the account on several occasions. 

I am deeply concerned by the false marketing offer that enticed a customer like me to open a PNC Bank checking account for a {$300.00} bonus that the bank did not intend to pay out. These types of practices are fraudulent, need to be stopped, and ultimately harm all consumers.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

All my Citibank bank accounts including business accounts and credit accounts ( XXXX credit cards ) were closed without warning on XX/XX/year>. I have more than 30 years of relationship with Citibank. No reason was given. Citibank also erased my XXXX points. They never refund the credit card membership fee.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (GA)

XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. 

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. 
-Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX  XXXX -Court jurisdiction : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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: LCI Acquisition Inc. (PA)

Dear Sir/Madam, I hope this letter finds you well. I am writing you for a XXXX time to request a free copy of my consumer report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). I believe LCI is the entity responsible for maintaining my consumer information. 

To assist you in processing my request, please find the necessary details below : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX PA XXXX I kindly request that you provide me with a free copy of my consumer report as stipulated under the FCRA XXXX Please send the report to the address mentioned above at your earliest convenience. 

If there are any additional forms, fees, or procedures required to fulfill this request, please inform me promptly. I appreciate your prompt attention to this matter and thank you in advance for your cooperation. 

Sincerely, XXXX XXXX