davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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.

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

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-03
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. (GA)

I have chosen to take the time to submit this complaint because I am extremely disappointed by the practices of this Consumer reporting agency. I am hoping the Consumer Financial Protection Bureau can be of assistance in helping me resolve this matter. I am aware that 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 and I am here to see that they are due. Recently multiple of my rights have been violated by this Consumer Reporting agency. I am aware of the Consumer Protection Laws that protect consumers against unfair trade and credit practices involving faulty and dangerous goods or dishonest claims or tactics by organizations. Due to this Consumer Reporting agencys incompetent and dishonest claims I have received numerous unfavorable results that have affected me and my business horribly. I expect nothing less than deletions of all the accounts listed below or I will have to escalate this to a legal matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-01
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: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/XXXX a trade a XXXX  into the deeler. XXXX XXXX XXXX  for a new XXXX normal process everything was great deeler take a responsibility to paid my loan on the old car. Amd 6 months late l have a call from Truist Bank about be late 6 months. Im explaining everything a this time shes going to invest more details. Later the same week shes ask for any help to get more information About the deeler because bank still not getting the money. Well shes gree with me about this mistake. I was aware was on XX/XX/XXXX sent me to the credit under XXXX dlls not paying. I have all documentation to prove they mistake but my personal lives changed since the day l got my credit so bad by someone mistake
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I SAW THAT THERE WAS CHARGED OFF THAT SHOULD BEEN REVERSED AS A PAID IMMEDIATELY AND LATE PAYMENTS THAT SHOULD HAVE BEEN REMOVED AS A COURTESY!!! I WANT ALL NEGATIVE INFORMATION REMOVED ASAP AND {$140000.00} in lost wages!!!!
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC (MI)

Structured Settlement has been calling me from a local spoofed phone number multiple times and leaving a voicemail saying the following : starting on XX/XX/XXXX then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again lastly XX/XX/XXXX at XXXX XXXX  EST we are calling in regards to the auto debit file here in my office. we wanted to give you the opportunity to respond on your own behalf and see if there are anything youd like us to take into consideration before we make our final recommendations and try to give you a chance to resolve this on a voluntary basis. this is a time sensitive matter and does require your immediate attention. telephone number is XXXX this is a documented and time stamped attempt to contact you i have called on the following dates requesting information including original creditor, date it entered their office, balance, and a verification of debt/validation. 
XX/XX/XXXX at XXXX XXXX  then again XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( hung up on ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  and finally XX/XX/XXXX XXXX XXXX  they said they emailed the requested documents on both XX/XX/XXXX ( requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and then again on Monday XX/XX/XXXX at XXXX XXXX. none of which have been received. 
each time they say they have emailed me the verification to me as requested but it is not in my inbox, my spam or my junk folder. they refuse to verify the mailing address on file, and they are increasingly disrespectful, hostile and rude. i also let them know i am working with a debt settlement company, and that they are to be contacting them, however they instead belittle my choice to work with said company and continue to harass me and leave aggressive voicemails and treat the matter with hostility. they have threatened that this will be turned over to their legal department as well.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXXXXXX XXXX XXXXXXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (MA)

My son XXXX years ago was struggling to pay, he said he was on an income based repayment plan. All of a sudden he owes XXXX more per month, he can not pay this not sure how this could be possible, they mislead him
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I repayed my student loans to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to Mohela in XXXX  where I continued to pay, even through Covid. Mohela transferred my loan to a new servicing platform in XXXX. Since, my account has gone into past due, though I'm overpaying. Also my online payment history is no longer available. Mohela has assured me my payments were received, my account is paid up to date, my payment history will be available soon, and that the system is behind on updating. They have offered no tangible proof that I'm up to date while I'm receiving past due notices.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America blocks my credit card accounts for unexplained reasons many times. Today they blocked my online banking so I am not able to pay my account online. After spending all day calling, customer service force me to drive to bank every day even I am XXXX and I XXXX XXXX XXXX.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The scammer asked me to wire transfer the amount of {$8000.00} to a certain XXXX XXXX XXXX in her account on XXXX XXXX XXXX bank account through Bank of America last XXXX XXXX as part of their modus in their Bitcoin scam. The Bank of America did not warn me that it might be a scam and may never get my money back if it is. I complained this to Bank of America, and after a few months of investigation, i received an email and a very little amount or reimbursement of less than {$10.00} from the amount of {$8000.00} that was taken from me. They said thats the only amount that they have recovered and nothing else is coming. I sent them a rebuttal letter but nothing happened from it.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX XXXX XXXX ( XXXX ), XXXX and XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) All accounts listed under ( XXXX ), has violated my rights. 

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am rewriting the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of Identity Theft. 

Portfolio Recov is reporting on XXXX collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-09
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NJ)

15 U.S. code 1681e ( b ) remove all false and negative reports from consumer report, ,Compliance state that the Credit Bureau must be in compliance states they called ( CDIA ) the consumer compliance standard states that in order for items to be reported on a consumer credit profile it must meet, yall ( credit compliance of CFBP and CDIA ) put this standard in place and all information must mandatory be in compliance with the information to be reported so since it doesnt I would like collect items that unauthorized and inaccurate or unverifiable must be removed from my credit repot.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Revenue Cycle Associates, Inc. (GA)

This company ( Revenue Recycle ) billed the denied claim by insurance company to patient. According to insurance company, a patient does no have responsibility to pay the denied claims as long as the patient went to in-network providers which I did.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I tried to cancel my Experian membership and when I log in it wont let me cancel u less I send them XXXX today and when I call their help line and request to cancel membership it goes in circles asking what about membership and just repeats itself to what I say.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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
Consumer complaint received 2024-06-05
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: CITIBANK, N.A. (IN)

On XX/XX/XXXX I purchased a commemorative dollar bill from XXXX XXXX. 
After the initial order I received more of the same items in the mail that I did not order. I contacted XXXX XXXX at XXXX but was unable to get an agent on the phone. 

On XX/XX/XXXX I disputed a charge with citi for transaction XXXX XXXX XXXXXXXX IL {$200.00} on XX/XX/XXXX. 
Citi requested Actions on XX/XX/XXXX. 
I provided Documents to Citi on XX/XX/XXXX. 
Citi said Resolved - Customer Responsible on XX/XX/XXXX The letter stated After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly On XX/XX/XXXX I disputed a charge with citi for transaction XXXX XXXX XXXXXXXX IL {$200.00} on XX/XX/XXXX. 
Citi requested Actions on XX/XX/XXXX. 
I did not see this request and I dont know what extra information they need, I have no record of this. Citi did not make a reasonable request to call and ask me for more information. 
Citi said Resolved - Customer Responsible on XX/XX/XXXX I cant get a copy of this letter, i get Looks like were experiencing a temporary technical issue. Please try again later. 

I have tried multiple times to contact the merchant XXXX XXXX and i am not able to get a customer support agent on the phone at XXXX. 

I called citi dispute center on XX/XX/XXXX XXXX XXXX to explain what was wrong with the submission. They said they could not help out with the matter due to the age and then hung up the call without giving us a full explanation of why I was responsible. 

Citi notified me in non apparent ways, such as mail with no tracking number, emails that i dont check everyday and notifications in the citi app that has notifications turned off. I am over XXXX XXXX XXXX and I feel this treatment is XXXX  abuse.