davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-15
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit and Reporting Act, XXXX XXXX XXXX has violated my rights. Under 15 USC Code 1681, Section 602 says I have the right to privacy, 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, 15 USC 1681 Section 604A Sec 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-01
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. (VA)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (TX)

on XXXX XXXX, Barclays ( Barclays of Delaware ) canceled my credit card because a random person called them on the phone and said I was deceased. 

After considerable effort, Barclays admitted they closed my account because someone on a lark reported me as dead. 

I informed Barclays that I was not dead. I asked Barclays to report to me what procedures they followed to assure the person calling was an authorized representative of the Courts or my Estate. 

Barclays ( someone claiming for marketing purposes to have a title associated with the CEO 's office and by extension some special administrative capacity which was proven untrue ) told me they would investigate how and who reported me as dead and on what basis Barclays operationally validated the report and or requested evidence to prove it. 

Barclays never responded to this point. After waiting 2 months for proper support to this matter of Privacy Invasion and Identity Theft, I closed my account- not wanting to give any more business to Barclays and not wanting to subject myself to such unprofessional, prejudicial treatment. Barclays never responded to the issue of wrongful report of a cardholders death and the matter of privacy and identity theft.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2023 I received a letter in the mail from XXXXXXXX XXXX stating that my identity was involved in a security breach and my identity may have been compromised. Then the very next day I received an email saying I needed to verify the invoice that was attached prior to XXXX completing the transaction. I did not approve and stated that the invoice was not mine. While driving home I received a text message saying it was XXXX and that I needed to verify my identity because it appears to have been stolen. They read my account information and then asked for verification. I had 4 different transactions. They said I should go to the nearest XXXX XXXX to verify my identity im person. Take my driver license and charge card I said there was no XXXX store nearby. He then asked if XXXX, XXXX, XXXX or XXXX were nearby. I said yes of course. He then asked me to go to one of those stores and purchase 2 gift cards for {$500.00}. I said no I am not gon na do that because I would be out of more money. He explained it was not even going to show up on my account as he was going to put the money into my XXXX account and send me a copy of the transaction. He then did exactly that, or so I thought. I winded up going to 2 more stores with the total monies spent was about {$4000.00}. He thanked me for my assistance and said to be sure and check to see he had been on the up and up. Needless to say when I got home and saw my bank account was - {$520.00} I had a good cry jumped in my ran back to the stores and told them what happened. They checked the card and they had a zero balance.. I got a case number for their report and said I should contact my bank. When I contacted my bank I was told they could not even submit a report because I had made the payment. I said they could not be for real. I even had a request to get notified when any transactions over $ XXXX was notified alright after I spoke with them. I unfortunately was ride to the lady on the phone and hung up, The next day I decided to try again. I wanted to at least have a report filed. This time I had a very nice gentleman on the phone who was very nice and was more than happy to file a report for me. I have been pursuing alt of the agencies I could find to file a report and I froze my account. Please advise me as to what I should do next. Looking forward to hearing back from you soon. Thanking you in advance for any assistance you can provide.
Consumer complaint received 2024-05-01
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (NM)

Flagstar Bank, or imposters of that bank, sent an official-looking email claiming to be the servicer of my loan and they are NOT. They are either imposters trying to get personal information for fraudulent purposes, or they are actually Flagstar Bank and very clearly misrepresenting that they are the servicer of my loan when, in fact, it is their intent to TRANSFER loan servicing to themselves! The person I talked to on the phone specifically claimed to be the servicer of my loan and claimed the loan servicing was transferred to them already. Totally false, as I contacted my home loan issuer and verified Flagstar has NO association with them!
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. I never filed for bankruptcy. 
Please investigate and provide verifiable documentation of the : DATE of last activity. 
Pursuant to Fair Credit Reporting Act, this item should not be reflected on my credit file. Please update credit report once you have completed your investigation...
Consumer complaint received 2024-01-01
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: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have been contacting Navient for over XXXX week to obtain a School Misconduct Discharge Application. I have requested an application by both mail and e-mail, Navient has refused to send me the application by stating their 'systems are down and can not access the application. ' I sent Navient an email to request an application, however they said it would take XXXX hours to receive the application. I have not received the application since Navient 's correspondence. The application that I am requesting is similar to the Borrowers Defense Application for Federal Student Loans. My current student loan status is delinquent and instead of Navient helping me find a solution by discharging my student loans, they only inquire about payment. Please help me obtain the School Misconduct Discharge Application from Navient, as they are the only ones who can send it to me.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date of Birth XX/XX/year> SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

XXXX. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under XXXX XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX  is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX XXXX  XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX  is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXXF XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account Number : XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately Account XXXX This agency is in violation of XXXX U.S.C XXXX XXXX please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under XXXX XXXX sec. XXXX XXXX ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX
Consumer complaint received 2023-03-11
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: SECURITY FINANCE CORP (WI)

15 usc section 602 states I have the right to privacy 15 usc section 604 A Section 2 : it also states a consumer may not furnish an account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card and or open -end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MS)

Mass amount of daily calls from Lowes Credit card. Sending them a letter asking them to stop. 

call log Monday XX/XX/2018 XXXX XXXX, XXXX Sunday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX Saturday XX/XX/2018 XXXX XXXX, XXXX Friday XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX, XXXX Thursday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX wednesday XX/XX/2018 XXXX XXXX, XXXX Tuesday XX/XX/2018 XXXX XXXX, XXXX, XXXX Monday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MD)

Ive talked to Sallie Mae many times about not contacting me and harassing me multiple times a day but they continue to. XXXX calls over a 7 day period were made to me, multiple were made to my co-signer, multiple were made to my sister ( who is not on any loan information of mine, multiple to both of my parents, and probably others I dont even know about. They never help me with my loans or help me to lower my payments and always beat around the bush when I try to explain my situation to them. They are harassing me, setting me up for failure, dont care about my situation, and are an awful lender. I have to pay XXXX dollars a month due to their outrageous interest rates and the fact that Im so behind because they have never been able to or cared to help me and my situation. I can not pay XXXX a month. My debt is a total of XXXX dollars with Sallie Mae for student loans and over the past 6 years Ive totaled about XXXX dollars in interest. They are taking advantage of students without a care in the world for their well being or success. Ive talked to at least 10 different people at Sallie Mae over the past few years and they say the same thing everytime. We are so sorry but we can not help you at this time due to blah blah blah. Then the day bye and hang up. That is not helping me. Its stressful, it hurts my career, my life, my future, and its getting worse. Sallie Mae needs to be held accountable for there terrible service and loans
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION (TX)

I received an email on XX/XX/2023 at XXXX XXXX  CST from an email under the domain of " XXXX ' stating how a new tradeline had been opened under my name. It was asking me to sign in the view the 'critical change ' on my credit report. I did not click on the link to sign in, but rather called my bank to confirm if this was true or not, to which it was not.
Consumer complaint received 2024-08-09
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.