davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
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 am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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
Consumer complaint received 2017-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: INVESTORS BANK (MA)

My mother who is  XXXX   XXXX   XXXX  and has  XXXX  and  XXXX   XXXX  has about {$5000.00} remaining of her IRA which is managed by Investors Bank,  XXXX    XXXX   XXXX  .  I hav e Power of  Attorney which was executed several years ago when she was competent. A few months ago, I realized that she has not received any reimbursement for the last 2 years. I originally tried to contact them in  XXXX  and did not get any answers, My mother then became very ill and I forgot about it. I resumed my attempts to get this information in  XXXX   XXXX . After several phone calls, and sending requested documents including a stamp ed Power of A ttorney from the Attorney who drew up the document, I was told they essentially want a new notarize d Power of Attorney. We proactively drew up a Power of   Attorney for a time when my mother would be unable to make decisions for herself. We are at such a time now and I can not understand how a bank can be allowed to withhold information as well as money without consequences. I have sent a letter of complaint to the local and main office of Investors Bank without a response. I also sent a complaint to the Banking  Commissioner  in   XXXX   XXXX   and was told that it is a  Federal iss ue. I would appreciate any help. The account is in the name of  XXXX   XXXX . My name is  XXXX   XXXX . I am her daughter and ha ve Power of  Attorney. My mother has lived with me for the la st 2.5 ye ars. The last address on her  XXXX  statement is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Consumer complaint received 2024-09-28
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. (GA)

I have tried to dispute this information with XXXX XXXX  and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

The XXXX XXXX XXXX XXXX issued by Synchrony Bank added a " Card Security '' fee with it describes as : " Optional Card Security - Up to {$10000.00} protection on your credit card. With the optional Card Security program, your account balance up to {$10000.00} may be cancelled. '' I never intended to purchase this product and certainly never knowingly did during the card application process. As I understand it the product charges XXXX dollar XXXX XXXX cents ( {$1.00} ) per XXXX XXXX dollars ( {$100.00} ) for an APR of roughly 20 %. No indication of the charge for the insurance is mentioned in the description that I click on the card payment splash page. Furthermore, The Synchrony Bank website did not make it clear if where or how it could be cancelled. I found the 3rd-party insurance service provider 's phone number and cancelled and was told my last charge would be refunded but a less observant customer could have unknowingly been paying for this unwanted service.
Consumer complaint received 2017-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Good Morning, I am a borrower fro m Navient,   previously known as  XXXX   XXXX .   They are the worst.   I requested a loan 10 years ago, made payments over the years, and the loan has actually gone up! But that 's a different issue all together.   I requested a copy of my master promissory note to understand why the rate is rising rather than going down. At this rate, I will never pay of my student loan. I will continue to make {$45000.00} a year with {$14000.00} a year in student loan payments, ineligible for any assistance in anyway.   With the promissory note came t he Cover Letter  for the initial request for the promissory note. On the cover letter is my social security number and the social security number for another individual I DO NO know! At this point I can not trust them that my loan payments have even gone towards the loan itself! They could be sharing my social security number with other individuals like they did with me!   Ive asked for answer  from Navient w ithout any response.   My original loan amount was {$20000.00}, and the current balance is {$39000.00}. Ive paid over {$26000.00} into the loan and its still at {$39000.00}!!!   The loans interest rate was also not supposed to exceed 9 % and its been at 10.5 % for years.
Consumer complaint received 2024-09-28
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. (GA)

I have disputed with this company regarding late payments reporting to my credit report. 

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments. 
According to The Fair Credit Reporting Act all these laws should apply to my credit report as well. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (NY)

I am writing to formally demand the immediate removal of the remaining unauthorized inquiry from my credit report. Despite my previous disputes regarding this inquiry, it remains unresolved. This inquiry is clearly invalid, as I did not provide any consent or authorization for a creditor to perform a hard pull on my credit report.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything  XXXX   XXXX   has removed this because they were n't able to verify any information. There is a copy of  my 1st co mplaint listed below.               whom i t may con cern, I mailed several letters of dispute las t one b eing certified on  XXXX   XXXX   XXXX  in regards how   XXXX   XXXX   is reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 s ays late and being over  100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it  comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that  any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of  XXXX  ( a ) (  4 ). Under section 611 ( 5 ) ( A   ) of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-09-28
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. (FL)

I am writing to formally dispute certain information on my credit report due to identity theft, as permitted under Section 605B of the Fair Credit Reporting Act. I have recently discovered that my personal information has been used without my consent, resulting in inaccuracies on my credit report. THE FRAUDULENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****PLEASE READ THE FTC REPORT ATTACHED IN DETAIL****
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Formal Complaint Against XXXX and XXXX for FCRA Violations Regarding Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against XXXX and XXXX due to their continued failure to accurately investigate and respond to my disputes concerning a bankruptcy incorrectly attributed to me on my credit reports. 

Over the past few months, I have submitted multiple dispute requests to both XXXX and XXXX, challenging the accuracy of a bankruptcy record that they are reporting to the credit bureaus. This bankruptcy is not mine, and I have repeatedly requested that they provide substantiating documentation to validate their claims. To date, I have not received any such documentation, nor have they taken any corrective action to remove the inaccurate information from my credit report. 

Moreover, my disputes with the credit bureaus regarding this erroneous bankruptcy have been consistently verified as accurate, solely based on information provided by XXXX and XXXX. This ongoing failure to investigate my disputes and the continued reporting of incorrect information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result of their non-compliance and disregard for their obligations under the FCRA, I am now left with no choice but to consider legal action to compel XXXX and XXXX to properly address and resolve these inaccuracies. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that my disputes are thoroughly investigated and that the erroneous bankruptcy is removed from my credit reports. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-28
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-28
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. (MI)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  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 2024-11-01
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 writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach.

In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}
Consumer complaint received 2024-09-28
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. 

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 XXXX XXXX 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 2024-11-01
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)

I am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (GA)

Collectiona  agency rep, got smart with me on phone, why telling them didnt owe the bill, hung up on me, called me back started telling me owe bill, and started using profanity hung up phone on them. Contineue to send me text message througout the day next day all day and until XXXX...