davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (WI)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There is a bankruptcy filing has been inaccurately reported, by XXXX and Equifax despite the fact that I never completed the process. 
In XX/XX/2020 I initiated the process of filing for bankruptcy in the state of Florida with the intent to follow through, but circumstances changed, and I did not proceed with the final steps required to execute the bankruptcy. Few weeks after, I asked the court to have it dismissed on. 
The court stopped all proceedings in the bankruptcy case AND in all adversary proceedings, and a discharge order was not entered. Therefore, the report of a bankruptcy is incorrect and misleading. 
I understand the importance of accurate credit reporting and its impact on my financial well-being. Every time I apply for credit and denied, can not purchase a home and/or any other financial services for that matter.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

Called in to Chime online banking disputes department XX/XX/23 to file a claim for {$120.00}. The funds were taken by XXXX XX/XX/23 and promised a refund by XX/XX/23. Order was cancelled. When I filed the dispute Chime told me I was ineligible for a provisional credit due to Regulation E, which is incorrect information. I told them the dispute was for refund not received and the representative filed incorrectly, which a supervisor I spoke to after confirmed and claims she updated but that wasnt the case.The supervisor then told me I qualified for provisional credit but investigation department telling my reason not covered Regulation E for provisional credit. I told Chime there was a similar pending charge from same merchant on XX/XX/23 and the refund they promised me just went back into my account today. They did not state anywhere in dispute letter that under Regulation E for disputes if resolution not found with in ten days or twenty days theyd provide provisional credit. They are not in compliance with banking regulation for disputes or claims process.
Consumer complaint received 2024-05-04
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)

This is my numerous attempt to inform you that I am an XXXX XXXX XXXX  and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX CT XXXX, CA XXXX XXXX XX/XX/2024
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Mortgage sends very misleading, confusing, and manipulative emails and letters. Here 's one example with the subject line : " Fed likely to raise interest rates, CNN Reports. '' This type of email can scare people into making poor financial decisions. Here is the text of the mail : CNN Money XX/XX/2017 " Get ready for higher interest rates. '' " XXXX stressed that the U.S. economy is doing pretty well and has 'continued to make progress. ' She called the U.S. job market strong and said prices are moving up at a faster pace. '' " 'At our upcoming meetings, the committee will evaluate whether employment and inflation are continuing to evolve in line with these expectations, in which case a further adjustment of the federal funds rate would likely be appropriate, ' XXXX said. '' XXXX READ THE FULL ARTICLE AT : XXXX Considering a home purchase or refinance? 
CALL NOW RATHER THAN LATER We 're ready to answer your questions and help you move forward when you are ready. 
XXXX Mon-Thurs XXXX CT Fri XXXX CT Sat XXXX CT
Consumer complaint received 2024-04-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-04-11
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. (DC)

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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Ava Finance, Inc (IN)

I received notice from my XXXX XXXX account that XXXX new credit accounts were opened without my consent, authorization, and knowledge. The XXXX fraudulent accounts are labeled as AVA FINANCE , INC. One is a credit account with a {$500.00} limit and another is an unsecured loan with a {$300.00} limit. The fraudulent accounts were opened on XX/XX/year>. I have an open dispute with XXXX regarding this matter but require additional support.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Verification of Bankruptcy on My Credit Report Dear Equifax, I am writing to request the verification of a bankruptcy entry on my credit report. How did you verify this public record? I feel your company is being deceitful with your reporting and this is a MAJOR violation of my rights under the FCRA. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information on my credit report. I am requesting that Equifax verify the accuracy and completeness of the bankruptcy information listed. If the information can not be verified, I request that it be removed from my credit report. 

Please provide me with the following : 1. Verification that the bankruptcy information is accurate and complete. 
2. The method and source used for verification. 3. A corrected credit report if the bankruptcy information is found to be inaccurate or unverifiable
. 

Please confirm receipt of this request and provide the results of your investigation within 30 days, as required by the FCRA. I appreciate your prompt attention to this matter. 

P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of the implemented CRSA enacted CDIA implemented Metro2 Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
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. (FL)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I've been trying to obtain my credit report from Equifax since XX/XX/2023. I can not log in to my Equifax account, and they make it extremely hard to talk to a live person. I do take in consideration of security purposes, but can not say if that's all of the intent. I also couldn't get my Equifax report through annualcreditreport.com as well. I think it is unfair for these private corporations to be able to make it difficult for consumers to access anything in the name of " security purposes ''. I also couldn't speak to anyone to opt ouy of my data being sold and shared amongst other things I would like to opt out of. It's XXXX thing to have these regulations in writing, but it's another to abide by them and enforce them.
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion was given 30 days to properly dispute XXXX XXXX XXXX XXXX collections accounts, They also were told to remove XXXX XXXX XXXX XXXX  XXXX and XXXX due to accounts being fraudulent. Transunion stated they needed XXXX extra days on top of the XXXX to analyze data. Transunion has now gone past the XXXX required and the extra XXXX and have still failed to resolve issues. When provided with account information that shows accounts removed by XXXX and XXXX who ran the correct investigation to legal standards Transunion has failed to do so. Due to the security and illegal nature of this ongoing issues accounts are to be removed immediately as this is required by FCRA standard for disputes lasting longer than allowed time.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

This company seems like they deleted last yr n added valid address that is cause ng serious harm in accounts that are not reporting to my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is missing was on report but now missing besides the other address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I received private student loans to attend the XXXX XXXX XXXX XXXX from Fall XXXX - Fall XXXX. I graduated with my XXXX in XXXX. ( Amount included in current statement, attached ). During that time I took out both private and federal loans. The school has since closed, having filed for XXXX XXXX Bankruptcy in XXXX after having been open since XXXX. The loan provider for my federal loans is currently XXXX and the Private loan holder is XXXX, which is operated by Navient. 

The reason I believe this is a show of misconduct by the school and should be eligible to be waived under Navient 's guidelines- it is currently not - is before I arrived in XXXX, the school had begun having major, earth shattering financial problems in the XXXX of dollars. They continued to mismanage their funds and assets all the way until XXXX when the school closed its doors. None of the financial mismanagement was reported to me, or the other prospective students, nor was it shared by the institution once I began attending. As a result, I am stuck with over $ XXXX in student loans for a school that can no longer support me as an alumni in any way. 

People do not pay XXXX figures for an education at other longstanding schools like XXXX or XXXX simply for the notable teachers or unique, thought-provoking classes- of which we had both at XXXX. No, students who attend XXXX XXXX colleges are paying for a brand name that can open doors, a legacy that withstands many decades and generations, and the continued support of an institution within the trade communities and beyond. These are things the XXXX XXXX XXXX XXXX can longer offer. 

If this were in fact a school where more than just artists who attended, it is my belief that a class action for the waiver of all loans would already be in the works. Unfortunately, artists are notoriously bad at paperwork, and as we are not a XXXX or a XXXX, the personal connections to local and federal government are few and surely underutilized. 

On a personal note, I am currently experiencing hardship as a result of job loss and am risking destroying my credit report because I am not able to afford the monthly private loan payments since there are few payment plans available. A lot of artists, who often work as freelancers with little social safety net in place, struggle with this same issue.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Mailed a check for {$14000.00} XXXX Funds check issued by XXXX XXXX XXXX XXXX Capital ONE on XXXX. It was a XXXXXXXX XXXX but the check was payable in XXXX Funds. I had to call Capital ONE multiple times to find out the status of the check mailed for deposit. The fact that the bank had the check and was processing it never showed on my account. 

On XXXX a " XXXX  Check Deposit '' finally showed on my account for {$14000.00}. There was NO explanation for why the fully check amount was not deposited. I had to call again several times asking explanation. I received a letter dated XXXX from Capital ONE stating that " XXXX XXXX CHARGES '' of {$62.00} were withheld. I called again to try and get clarification for why that happened. Was told it was probably the XXXX XXXX  that withheld funds. 

I mailed a XXXX check XXXX from same bank payable in XXXX Funds for {$4800.00}. That check took until XXXX to show in my account and the deposit was for the full check amount. No foreign bank charges came out of that check mailed in for deposit. 

I have mailed checks for deposit before and the funds generally show in my account in XXXX days. In the past I have mailed checks from XXXX XXXX  payable in XXXX Funds to Capital ONE and they have NOT withheld money from the deposit. 

I called the XXXX XXXX XXXX XXXX  XXXX to find out if withheld funds to clear the check and was told no. The Capital ONE account disclosures web page ( XXXX XXXX XXXX  ) states " If you present us with a XXXX  check, we will not charge a fee, but the paying bank XXXX deduct a fee from the proceeds. '' I have verified that the paying bank DID NOT deduct a fee from the proceeds but am unable to track down who took the money from the deposit. I am trying to get the {$62.00} from the check returned to my account.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : File Number XXXX Dear TransUnion Team, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute ( File Number XXXX ). I appreciate your acknowledgment of the additional information provided on XX/XX/XXXX, and the extension of the investigation period to XX/XX/XXXX. 

I would like to take this opportunity to emphasize the importance of compliance with both federal and state laws regarding credit reporting and consumer rights.

Federal Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. Any inaccuracies must be corrected promptly, and investigations should be conducted in a thorough and timely manner. 
2. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA ( 15 U.S.C. 1692 ) governs the practices of debt collectors and mandates that all collections must be based on accurate and verifiable information. Any debt that can not be verified must be removed from the consumers credit report. 

New York State Laws 1. New York General Business Law ( GBL ) 601 : This statute prohibits the use of false or misleading information in the collection of debts. It also mandates that consumers must be provided with clear and accurate information regarding their debts.

2. New York Fair Credit Reporting Act : Similar to the federal FCRA, New York States version ensures that credit reporting agencies operating within the state maintain accurate records and provide consumers with access to dispute and correct any inaccuracies in their credit reports. 

Request for Prompt Action Given the legal requirements under both federal and New York state laws, I respectfully request that TransUnion expedite the investigation process and ensure full compliance with all applicable regulations. If the investigation reveals any inaccuracies or unverifiable information in my credit report, I expect such information to be corrected or removed immediately. 

Additionally, I request a detailed report of the findings of your investigation, including any actions taken to rectify the disputed information. 

Thank you for your prompt attention to this matter. Please contact me at XXXX or via email at XXXX if you require any further information from my end. 

Sincerely, XXXX XXXX XXXX