davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MD)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to XXXX5 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Equifax, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

I am writing to formally file a complaint regarding non receipt of debt validation from collection law firm Rausch Sturm LLP. 

Details of the Complaint : Date of Incident : Begin on XX/XX/XXXX Company Involved : Rausch Sturm LLP on behalf of XXXX XXXX XXXX XXXX 
Account Number Listed : XXXX Description of the Issue : On XX/XX/XXXX in the evening I was served with court paperwork that I was being sued for a debt that I have no knowledge of. I reached out to this law office the morning of XX/XX/XXXX and requested validation of this debt, I wanted them to provide some kind of information that I have signed or a copy of my drivers licence really anything that would verify this debt is mine. On XX/XX/XXXX I received a package containing 82 pages of nothing more than billing statements dated between XX/XX/XXXX and XX/XX/XXXX. Nothing but billing statements provided. There is no signature, no credit card agreement, nor anything that list my name other than billing statements. Again I have no knowledge of this credit card. I reached back out to Rausch Sturm on XX/XX/XXXX and informed them what they sent does not prove anything more than the debt exist but not who owes this. I told them what they provided was verification of the debt, I do not doubt the debts existence I doubt this is my debt and reinformed them that on XX/XX/XXXX that I had requested validation of this debt. I called again today XX/XX/XXXX to check the status of this request and was told everything is on hold and nothing further has been sent out. I would like this taken care of as I have diligently tried my best to help this law firm. This is not my debt and they are either unwilling or unable to provide anything that validates this debt as mine. I have provided adequate time and would respectfully request debt collection practices cease and this account be removed my credit report with all 3 major credit bureaus. 

Despite my attempts to resolve this matter directly with both Rausch Sturm and XXXX XXXX XXXX XXXX the collection efforts continue. When I contact XXXX directly they do not have any information for me in any of their systems. When I contact Rausch Sturm, LLC I do not get any correct information directly related to me. They have listed XXXX XXXX XXXX, that is not me, my name is XXXX XXXX XXXX XXXX and anything bank or credit card would have that XXXX listed. Rausch Sturm also does not have correct contact information in their systems further telling me this is not my debt. 
I believe this situation falls under the jurisdiction of the Consumer Financial Protection Bureau and request your assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. If further information is needed please do not hesitate to contact me I will be happy to provide what I have available. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

XX/XX/year> purchased a XXXX vacation package for {$1700.00} as part of a group for XXXX with travel agency XXXX using my Discover credit card XX/XX/year> due to Hurricane Beryl and flights being affected XXXX told me that I could postpone my trip and would be given a credit to use at the hotel chain by XX/XX/year> XX/XX/year> I am notified by friends that were able to go on the trip ( arrived prior to the hurricane ) that there were a lot of very concerning safety issues the hotel acknowledged ( that I included in my dispute ) with the hotel resort to the point they were all given credits to use at a different resort property within the same hotel chain by end of the year XX/XX/year> Communicated my concerns about the XXXXXXXX XXXX XXXX to the travel agency and requested to use my credit at a different property within the same hotel chain was told they would look into it XX/XX/year> Reached out to the hotel chain directly to ask about either a refund or using the credit at a different resort within the same hotel chain due to the issues with XXXX XXXX XXXX XXXX XXXX XXXX responded via email that considering the issues the group had I could use the credit at either XXXXXXXX XXXX or XXXX XXXX and provided an email contact for me to share with XXXX so that the credit could be applied correctly XX/XX/year> I provided XXXX the dates I wanted to travel along with the email confirmation and contact from the resort that I stated I could use the credit at XXXX XXXX, along with who they should reach out to to appropriately apply the credit, stated that I would not be traveling to XXXXXXXX XXXX XX/XX/year>XXXX XXXX is refusing to rebook me at XXXX XXXX, and the hotel will not allow me to book directly because the original booking was through XXXX XX/XX/year> I filed a dispute with Discover outlining the issues above, and provided all the email documentation I had XX/XX/year> Discover rejects my dispute saying " cardholder withdrew dispute '' ( which I did not ) XX/XX/year> Contacted Discover to reopen dispute - after a quick internet search it is clear that Discover has a history of not thoroughly reviewing disputes and showcasing some unethical practices when it comes to disputes so that is why I am filing this complaint
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Now I have discovered that the item XXXX  XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MA)

I received a letter from BMO stating my account was restricted on XX/XX/XXXX. I called a BMO fraud analyst at ( XXXX ) XXXX who requested copies of the bank statement for the bank I was trying to transfer funds to. It seems my account was restricted due to me trying to transfer funds to an external account for which I am the owner. This transfer was intentional and not fraudulent. I immediately emailed the documents as requested the same day. I called on XX/XX/XXXX to confirm receipt of the documents and for a timeline of when the account would be unrestricted. I was told by the representative that they did not have any way of confirming receipt of the requested documents. Additionally, I was told someone would reach out to me 7-10 business days to follow up on the issue. On XX/XX/XXXX, I called the same department again to confirm receipt of the requested documents, and was once again told they have no way of confirming this. Additionally, I was told it would now take 14-30 days to get a response on this issue. When I asked to speak to a fraud analyst to resolve the issue, I was told they are not allowed to speak with customers, only that they can call customers. When I asked the representative if they could reach out to the fraud analyst they said they'd make a note, when I asked for some kind of timeline for a response from the analyst, they hung up on me. As of today, it was been 10 business days where I have not received any contact from a fraud analyst, nor do I have any access to either of my checking accounts.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Incorrect names, addresses and employers
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

USAA closed my checking account on XX/XX/XXXX without any prior written notification via mail, email, or account notifications/documents within their website and app. I only realized the checking account was closed when it disappeared from my profile in their website on XX/XX/XXXX. When I called them they stated it was because I had not sent them the death certificate for my late husband who a joint holder of the account. After he passed away in XXXX I called them to notify them, and they told me I didn't need to do anything because it was a joint account. They said I could send the death certificate to get his name removed but it was not required. 

They left me a voicemail about 1 week prior to closing the account saying I needed to call them about an important matter. I have new phone and didn't get the notification that there was a voicemail, so I didn't hear it until after the account had been closed and I checked for it. My notification preference had been set to email on USAA, and I received no emails indicating I needed to contact them regarding my checking account. Due to the unexpected/unknown closure of my account, my rent check bounced and I was charged a {$50.00} returned payment fee on XX/XX/XXXX by my apartment complex XXXX XXXX.
Consumer complaint received 2022-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681cXXXX ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past XXXX business days clearly and conspicuously. I demand you block the folowing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX Inquiry date XX/XX/2021 XXXX
Consumer complaint received 2024-06-13
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. (TX)

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I had a Synchrony/PayPal account that went to collections with XXXX XXXX. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXX & XXXX and discovered that XXXX XXXX retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe XXXX XXXX is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured XXXX XXXX in 2015 for similar practices and were ordered to revise their debt collection activities.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX - XXXX 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 XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AL)

I previously filed a CFPB complaint because Discover Bank, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of XXXX with {$200.00} past due as of XXXX  2024, XXXX  is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment ofXX/XX/2024and is reporting XXXX late payments with a payment status of XXXX  days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than XXXX payments past due while showing XXXX late payments in the payment history and asked that this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation. 

However, this account still remains even after I contacted Discover to advise of fraud and this morning my credit score dropped XXXX pts on XXXX alone because discover is reporting me as XXXX  days delinquent on an account that I requested to have closed and XXXX  days delinquent on XXXX  which the account also shows as closed. This is causing me great financial hardship and affects the way that I take care of my family and run my business. I ask that this account be removed immediately.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I received a notice from Mohela yesterday XXXX XX/XX/XXXX that said " Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date.Your automatic payment via auto debit successfully withdrew from your designated account in XX/XX/XXXX. 
If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you may contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month. '' I am alarmed that my federal student loan provider Mohela would have no idea if I overpaid my loan in XXXX, and are only now informing me now 8 months later. The most frustrating aspect of this communication is the term " if you feel ... ''. I FEEL that my provider, who receives XXXX of XXXX  of dollars from the US government to service these loans, should be able to tell me if I have overpaid or not. There is no 'feeling ' when it comes to accounting. I now have absolutely no faith in Mohela, and worry that the nearly {$500.00} a month I am paying to my loans are being serviced accurately to my multiple loans. I am not responding to Mohela because I honestly have no time to go back to my records from 8 months ago and look into this to let them know what errors they may have made. I work full-time to ensure my loans are paid every month. The onus should be on them to let me know, not vice versa. If they can't tell me that, they should refund everyone their XXXX payment, and they can take the hit for that month.