davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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. (ND)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 

15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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.

15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Since entering repayment in XX/XX/2023 I have been paying an additional {$100.00} towards my student loans every month and my employer offers student loan assistance and also pays {$100.00} directly every month to MOHELA, my loan servicer. Since XX/XX/2023 MOHELA has not been applying the additional payments towards my principal balance but rather putting my account into pay ahead status. In XX/XX/2023 I called and inquired how to fix this and was told to submit a formal written and signed letter asking to put additional payments towards principal only. I submitted the signed and dated letter asking for exactly that on XX/XX/2023. As of today that request has still not been processed and my account remains in paid ahead status. I have called multiple times asking for an update only to be told its still in process and Im not given any sort of timeline for completion. As of today MOHELA has received {$1200.00} of additional payments that they are not applying towards my principal balance as I requested.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX  Consumer Financial Protection Bureau1700 G Street XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Formal Complaint Against Equifax for Non-Compliance and Negligence in Credit Reporting I am writing to file a formal complaint against Equifax for their failure to correct inaccuracies in my credit report despite multiple requests and provided documentation confirming the errors. This negligence has significantly affected my credit score and overall financial standing. 

XXXX. Incorrect Account Entries : Despite clear evidence and repeated notifications, Equifax has failed to remove erroneous entries associated with XXXX XXXX  and XXXX  XXXX accounts from my credit report. These accounts were never opened or authorized by me. 
XXXX. Inaccurate Address Listings : Equifax continues to list multiple incorrect addresses on my credit report. My only current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This error has been pointed out numerous times without resolution. 
XXXX. Unauthorized Credit Inquiries : Equifax has not taken action to block unauthorized credit inquiries from entities such as, request an immediate block on all inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as these inquiries were not authorized by me. despite my explicit request to do so The persistence of these inaccuracies despite my efforts to correct them suggests a systemic issue within Equifax regarding data management and consumer rights protection. This failure not only undermines my financial health but also exposes a lack of adherence to the Fair Credit Reporting Act ( FCRA ), which mandates prompt and accurate correction of credit report errors. 

Given the severity of these issues and Equifaxs continued negligence, I request the CFPBs immediate intervention to ensure that my credit report is corrected and that Equifax adheres to the legal standards set forth by the FCRA. I am prepared to provide all necessary documentation and correspondence that substantiate my claims. 

I appreciate your attention to this serious matter and look forward to your swift action to rectify these ongoing issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX 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 2024-09-07
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. (LA)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a XXXX form ( Debt Of Cancellation ). Please remove these closed/late accounts : XXXX XXXXXXXX ( Late {$73.00} ), AFFIRM XXXX ( {$360.00} ), XXXX XXXX XXXX XXXX {$3000.00} ), XXXX XXXX XXXX XXXX {$1900.00} ), XXXX XXXX XXXX ( Late ), XXXX XXXX ( {$200.00} XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX  Account Number: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 2024-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

Hi, I am requesting a copy of the original purchasing agreement which involves SPRING OAKS CAPITALLLC and the company the alleged debt was purchased from in order the verify the following items. Correct amount alleged owed, the original amount alleged owed to original creditor, account transfer date, legal document bearing my signature authorizing the sharing of my personal and private information, required correspondence from SPRING OAKS CAPITAL LLC informing me of my consumer rights prior to illegally entering possible false and inaccurate information to my personal consumer report and verification that the alleged debt was sold for less to SPRING OAKS CAPITAL LLC.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiries XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX via XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX cr / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Has violated my rights XXXX15U.S.C 1681section 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 an account without my written instructions.
Consumer complaint received 2024-09-04
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (GA)

I am trying to get out for illegal payday loan for state of GA. Now debt collector harassing for interest rates not allowed.

Illegal payday loan with unreasonable interest rates.

Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXXWashington, D.C. XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Formal Complaint Against Equifax for Non-Compliance and Negligence in Credit Reporting I am writing to file a formal complaint against Equifax for their failure to correct inaccuracies in my credit report despite multiple requests and provided documentation confirming the errors. This negligence has significantly affected my credit score and overall financial standing. 

1. Incorrect Account Entries : Despite clear evidence and repeated notifications, Equifax has failed to remove erroneous entries associated with XXXXXXXX XXXX and XXXX XXXXXXXX accounts from my credit report. These accounts were never opened or authorized by me. 
2. Inaccurate Address Listings : Equifax continues to list multiple incorrect addresses on my credit report. My only current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This error has been pointed out numerous times without resolution. 
3. Unauthorized Credit Inquiries : Equifax has not taken action to block unauthorized credit inquiries from entities such as, request an immediate block on all inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these inquiries were not authorized by me. despite my explicit request to do so The persistence of these inaccuracies despite my efforts to correct them suggests a systemic issue within Equifax regarding data management and consumer rights protection. This failure not only undermines my financial health but also exposes a lack of adherence to the Fair Credit Reporting Act ( FCRA ), which mandates prompt and accurate correction of credit report errors. 

Given the severity of these issues and Equifaxs continued negligence, I request the CFPBs immediate intervention to ensure that my credit report is corrected and that Equifax adheres to the legal standards set forth by the FCRA. I am prepared to provide all necessary documentation and correspondence that substantiate my claims. 

I appreciate your attention to this serious matter and look forward to your swift action to rectify these ongoing issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/24 I called Aidvantage regarding my federal student loans because I had a higher payment amount expected ( billing statement {$350.00} and online account balance {$630.00} do not match ) Over the phone, the representative XXXX XXXX, notified me that because my account was adjusted today on XX/XX/24 with a new payment amount after the FSA recertification of income for IDR plan was applied ; I was expected to make the higher payment within the same billing cycle, which is due in less than 24 hours on XX/XX/24. 
I was not provided any communication from FSA or Aidvantage on when the new payment or due date of payment would begin. After the representative spoke with her supervisor, the options given to me were to enter forbarance or change the billing date. The representative confirmed with me that no communication had been emailed/sent to my account inbox or mailed to me regarding the new payment or account adjustment that had been made in the last 24 hours.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am attempting to recover my father 's accounts from Merrill Lynch, both his retirement account and personal taxable investment account. He passed away on XX/XX/2024. Despite complying with all requests from the company, I still can not get the company to hand over the funds to the estate, something I have separately done effectively with XXXX XXXX, XXXX, and Merrill 's parent company Bank of America . 

I first contacted Merrill in XXXXXXXX XXXX XXXX to inform them of my father 's passing and to freeze the accounts. They requested information including the death certificate, court order, and instructions. These were first handed over on XX/XX/XXXXXXXX XXXX XXXX. 

Since then I have made over 40 attempts to contact Merrill and get the accounts settled. I have worked with their estate representative, XXXX XXXX, who occasionally will contact me and request additional documents. I typically immediately reply ( within 24 hours ) with the requested information. The documents have been numerous and superfluous. This included an initial and then subsequent affidavits with instructions, a lengthy 401k / IRA transfer booklet that I have had to revise twice, instructions and a letter of acceptance from my personal bank ( despite no XXXX XXXX refusing their customers deposits ), and many other documents. In one required revision of a document, they held it up because I provided a US address in New Jersey but did not also check the box next to it that said " US address. '' These are not people operating in good faith. 

One of the 401k transfer documents requests invasive personal information that no other bank has asked for, such as the source of my personal income and wealth. I suspect they improperly use this information for internal sales purposes. 

Merrill 's agent and their estate team are highly unresponsive. Provided agent does not respond to email requests and does not answer her phone. The overall estate team redirects me back to XXXX.
Consumer complaint received 2024-04-24
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: SYNCHRONY FINANCIAL (FL)

SYNCB/PAYPAL CREDIT CARD XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX {$35000.00} I never opened or used this account. I have been calling for over a year to get it resolved and with no results. They said I made a payment but I never did ( a payment by phone ). They said I purchased over $ XXXX worth of stuff which I did not. At first they had a Georgia address and I never lived in Georgia.
Consumer complaint received 2024-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LD Holdings Group, LLC (OK)

Was applying for mortgage through LoanDepot. Went through process, including paying for appraisal. Around the time that the appraisal was to be done, the parties that knew what was happening stopped communicating with me, those that didn't, still communicated. Mortgage was denied at this point, with other reason given than this. 
Neither a refund nor a report has been returned.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/XXXX call them to mk a loan pymt at XXXX mil time, pymt was to be made from cking acct on file pymt didnt go though not my problem, want i want that late fee ref, also info them if i can get a lower rate as ins wasnt going to pay, car was in junk yard since XX/XX/XXXX,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the fleet of a consumer that the consumer identifies as information thats from an alleged identy theft, not later than 4 business days after the date receipt it has been 30 days and you are in ViOLATION of this law because I already identified theft. Please delete these accounts IMMEDIATELY. 
These accounts should not be furthed on my consumer report.

Under, 15 US Code 1681b - Permissible purposes of consumer re ) to subsection ( e ) any consumer reporting agency may furnish a con arcumstances and no other : ( 2 ) in accordance with the consumer to whom it relates. I NEVER gave any consumer reporting agency permission to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the account are deleted thats are listed IMMEDIATELY!
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (TX)

MY RIGHTS HAVE BEEN VIOLATED. EXPERIAN HAS BEEN WILLFULLY NON COMPLIANT WITH THE LAW UNDER 15 USC 1681. 

I will be seeking litigation after this final attempt to fix this. 
I have been dealing with this since XXXXExperian replied on XX/XX/24 and as of XX/XX/24 it hasn't been fixed nor have I been contacted. More than 30 DAYS have passed The account is a conns charge off. 


ALSO The following codes have been violated. 
15 USC 1681b-permissible purpose 15 USC 1681 Section 602A-right to privacy 15 USC 1681 Section 604A -written consent 15 USC 1681eb-maximum accuracy 15 USC 1681S-2a1a-reporting information with knowledge of errors 15 USC 1681 ( 2 ) ( a ) ( i ) -reporting information solely as a transaction between consumer and the furnisher is PROHIBITED I have my lawyer ready to file the lawsuit within 15 days from receipt of this.

see attachements