davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : 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, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023I sent a letter to all XXXX consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and Equifax meaning the information on my consumer report is incorrect. Debt of XXXX XXXX was removed from Equifax but not XXXX and XXXX meaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX issuer of my Credit Card serviced by the XXXX XXXX, ignored my multiple demands to review the details enumerated in my communications and fix their erroneous misinofrmation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX a collection account from XXXX XXXXXXXX XXXX appeared on my credit report. It was disputed two different times with Experian credit bureau. Last dispute number XXXX was generated XX/XX/XXXX. The results to this dispute was fraud, and removed from my credit report. Also, Experian set a fraud credit alert on my credit to help resolve any future fraud issues. On XX/XX/XXXX of XXXX same collection item from XX/XX/XXXX reappeared on my Experian credit report. I spoke with representative on XX/XX/XXXX regarding this issue. I was advised that another dispute would need to be done and I would need to wait 30 days for results.
Consumer complaint received 2024-05-03
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 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 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am requesting a School Misconduct Discharge Application because the school and its representatives made untruthful or misleading statements to me, in marketing materials, and other communications, including TV ads while trying to convince me to enroll at the school. I would like Navient to send me an application and information about School Misconduct Discharge because I would not have attended the school if the truth had been shared with me by the school representatives. 

There was a successful class action suit filed : " A class action lawsuit settlement has been reached with XXXX XXXXXXXX XXXX XXXXXXXX XXXX, a subsidiary of XXXX XXXX XXXX, over allegations that the Academy misrepresented its job placement rate. 

A group of angry XXXX XXXXXXXX XXXX students filed the class action lawsuit, claiming the school misrepresented its 98 percent job placement rate, exaggerated its prestige in the industry, and suggested that it had a selective qualifying process. 

This rate is a lie, the XXXX class action lawsuit states. The placement statistics include non-professional entry level jobs like prep cooks, XXXX XXXXXXXX {$12.00} an hour line cooks and XXXX XXXX. That culinary degree was not a pre-requisite or even relevant for many of the included jobs. 

If class members had known the truth, they say, they never would have paid the nearly {$46000.00} tuition at XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX offered to settle the class action lawsuit by offering {$40.00} XXXX to help fund rebates to students who attended XXXX from XXXX through XXXX. The XXXX settlement will reportedly pay each of the 8,500 students who attended during that time rebates of up to {$20000.00} each about half of the tuition they paid. Tuition prices are typically {$46000.00} for a 12-month program and an additional three months of on-the-job training. Also part of the XXXX class action lawsuit settlement is an agreement by XXXX XXXX XXXX, the parent company of XXXX, to eat {$1.00} XXXX in student debt. ''
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Some time ago LVNV Funding placed a collection account on my credit reports for {$2600.00}. 

I do not have an account with this company and asked for a copy of any assignment or bill of sale or purchase agreement to them with my name on it. After many requests I still have not received this information.
Consumer complaint received 2024-01-29
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have reachead out to Experian on several attempts to removed incorrect information on my credit report, and i have also send written letters with my correct information for them to correct the problem and no action has been taken, I was told to call the company thats reporting my information. I have have also reached out to the company and they don't have any exsisting accounts for me. So I'm confuse as to why they are reporting incorrect accounts and addresses, also my name.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received.
Consumer complaint received 2023-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Torriere Holdings INC (TX)

On Monday XX/XX/XXXX, I received a letter in the mail from Spire Recovery Soulutions stating that I owe money on a loan in the amount of {$2500.00} from Simple Fast Loans as of XX/XX/XXXX. I have never applied for any loan with Simple Fast Loans and this is fraudulent notice demanding to get my information. I am hereby informing the CFPB about this company and I want this information to be looked into. I also need for the company to stop sending notices to me regarding payment on a loan that I never requested. I expect for this to be resolved by no later than XX/XX/XXXX. I will also be reporting this scam to the FBI XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I purchased an item from XXXX for {$380.00} and it wasnt received. I reported it as not received and XXXX is insisting that it was delivered. It was supposed to be a white couch, now Ive paid twice for two couches and only have one
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XXXX XXXX  Tried Open Account Would Not Let Me Told Me To Contact XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  Told Me To Contact XXXX As Well XXXX Open My Account Date : XX/XX/XXXX Citizens opened account captured account told me they were parting their relationship with me Date : XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

I have contacted the below companies and XXXX under the XXXX & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Consumer complaint received 2024-05-30
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: CBC Companies, Inc. (FL)

I XXXX : Shorter a living woman of XXXX I did a ucc 11 sreach on my name and I don't owe any debt due the credit card company sold the debt to a thurd party and put the account in XXXX person name with out permission so that's illegal due to the privacy act of 1974, 5 usc 552a private ssn 15 usc 1681a , tila and due to the fcra The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act.i ask ( " the sole called creditor '' ) the creditor either the original creditor or a debt collector for what's called a goodwill deletion. I Wrote the collector a goodwill letter explaining your circumstances and why you would like the debt removed, and company didn't take it off then company closed the account of another person name XXXX XXXX Without out permission said it was suspicious activity going on which was not true and then sold account to 3rd party under another person name without permission I rescinded the signature and paid off the account with a negotiable instrument and they denied that as well which all companies are supposed to take any us currency which we don't owe any debt in the first place they are making money off an account I rescinded so they are stealing our securities as well off the applications in 3 people name off 1 account which is illegal.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal has restricted my account. I need my account to be unrestricted. there was no fraud on my account. I have never consented to Navy Federal reaching out on my behalf to recover funds from any individual or business from the opening of my account to the date of the restriction. Thank you please reverse whatever withdrawals were done to other people 's accounts and credited to mine I did not consent to any of this.
Consumer complaint received 2024-01-29
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. (MA)

I am writing to bring to your attention a dispute with Equifax regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax concerning the following issues, but to date, they have not responded. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance of {$1000.00} as I recall a lower amount. 
Request to delete the Past Due amount, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent negative credit score impact. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : This account does not belong to me ; please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : This account is not mine ; I request its removal from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute the reported balance of {$390.00} ; I believe it should be lower. 
Request removal of the Past Due amount, as the account is closed and charged-off. 
Mark this account as disputed while I resolve the matter with the creditor. 
Request verification of Date Opened, Date of Status, and First Reported.
Consumer complaint received 2024-01-29
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. (KY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the Equifax data breach that occurred in XXXX. I recently discovered that my personal information was compromised during this incident, and I am deeply concerned about the potential consequences and risks associated with the unauthorized access to my sensitive data. 

Details of the Data Breach : Date of Discovery : I became aware of the Equifax data breach 's impact on my personal information on XX/XX/XXXX. 
Personal Information Compromised : The breach has exposed my sensitive personal information, including my name, Social Security number, birthdate, address, and, in some cases, driver 's license number. 
Lack of Security Measures : It has come to my attention that Equifax failed to implement adequate security measures, allowing unauthorized access to a vast amount of personal data. This negligence raises serious concerns about the protection of consumer information. 
Impact and Potential Consequences : Identity Theft Risk : The compromised data puts me at an increased risk of identity theft, as it includes crucial information that can be exploited by malicious actors. 
Financial Security Concerns : The breach may have severe implications for my financial security, as unauthorized access to my personal information could lead to fraudulent activities, unauthorized access to financial accounts, and other potentially harmful actions. 
Request for Investigation and Remediation : Investigation : I request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's handling of the data breach, including an assessment of their security protocols, response mechanisms, and measures taken to prevent such incidents. 
Accountability : Equifax should be held accountable for any negligence that led to the data breach and subsequent exposure of consumer information. I urge the CFPB to ensure that appropriate actions are taken to address any shortcomings in Equifax 's data protection practices. 
Remediation : As a consumer affected by the data breach, I seek assurance that Equifax will take necessary steps to mitigate the potential risks and provide adequate remediation measures, such as credit monitoring services and identity theft protection. 
I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer interests, and I trust that your investigation will help address the concerns raised by the Equifax data breach. Please keep me informed of any developments regarding this matter. 

Thank you for your attention to this serious issue.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following credit card accounts currently showing and listed on my Experian and XXXX credit report are lost/stolen credit cards : 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CO)

Dear [ ExperianXXXX XXXX ] Customer Service , I am writing to formally request the correction of inaccurate personal information that is currently present on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, and I am seeking your assistance in rectifying the discrepancies promptly.

My personal information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Date of Birth :XX/XX/XXXX Last 4 of Social : XXXX