davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (MA)

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

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
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)

XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX Reported Date XX/XX/year> {$0.00}
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Company has continued to harass me despite my attempts over the years to resolve. This debt was paid when I refinanced and evidence was provided 2 years after the debt was paid. We have since moved and discarded many those documents from 2016. I no longer have access to the escrow company to provide evidence. At this point we have issued XXXX cease and desist letters as I know longer wish to go around and around - this harassment has been continued for many years. When I call to ask them to stop they refuse to listen or provide go back into their records and only tell that they have received this account from another debt collector and I need to re-send. 

I no longer wish to communicate with them and we are now past the statute of limitations.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT AND ALL XXXX CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, EQUIFAX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE XXXX ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to inform you about several pieces of inaccurate personal information that are currently being reported on my Experian credit report. As a veteran of the XXXX XXXX XXXXXXXX XXXX and a victim of the XXXX data breach, I am particularly concerned about the accuracy of my credit report and the potential for fraudulent activity. 

Upon reviewing my Experian credit report, I discovered the following inaccurate information : Inaccurate Names : XXXX. XXXX XXXX ( Name ID # XXXX ) XXXX. XXXX XXXX XXXX ( Name ID # XXXX ) Inaccurate Addresses : XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex Inaccurate Phone Numbers : XXXX. ( XXXX ) XXXX - Residential XXXX. ( XXXX ) XXXX - XXXX I have never used these names, resided at these addresses, or been associated with these phone numbers. The reporting of this inaccurate information is a clear violation of Section 607 ( 15 U.S.C. 1681e ) of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain reasonable procedures to ensure the accuracy of the information they report. 

Under Section 609 of the FCRA, I have the right to request the sources of this inaccurate information and to have it removed from my credit report. I have sent a detailed letter to Experian requesting that they provide the sources of these inaccurate names, addresses, and phone numbers and that they remove this information from my credit report. However, Experian has failed to comply with my request, which is a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA. 

The reporting of this inaccurate information has caused me significant distress and has negatively impacted my ability to secure employment and housing. As a veteran who takes my financial obligations seriously, it is deeply troubling that these errors continue to harm my credit standing and, consequently, my family 's financial stability. 

I am reaching out to the CFPB to seek assistance in resolving this matter and ensuring that my Experian credit report accurately reflects my personal information. I kindly request that the CFPB investigate this issue and compel Experian to provide the sources of the inaccurate information and remove it from my credit report promptly, as required by the FCRA. 

I am prepared to provide copies of the dispute letters I have sent to Experian and any additional information or documentation needed to support my case. 

Thank you for your attention to this matter and for your commitment to protecting the financial well-being of American consumers, especially veterans who have faced hardships due to inaccurate credit reporting and FCRA violations .
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

XX/XX/2024 my VA home loan lender attempted to pull XXXX  scores. XXXX and XXXX came through but equifax reports no credit available. I attempted to pull my XXXX bureaus score on XXXX XXXX and equifax does not report. 

XXXX I called Equifax to ask them if theres a freeze on my account they said no verified my information and told me that there were issues on the other lenders and not Equifax . My VA lender attempted to pull my credit report again on XX/XX/XXXX from XXXX different lender sites each reported that Equifax score was not available, I called Equifax back and they refused to help stating there is nothing frozen or put on hold on their end so the lenders will have to figure it out. I am unable to get a preapproval for a home loan or get any other credit at this point because Equifax is failing to report, if I log onto Equifax website, I see my information because I have a credit profile but it will not report outside of equifax.com
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self Financial / SouthState Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Remove Negative Account from Credit Report Account Number : XXXX Last Four Digits of XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the negative account reported on my credit file associated with account number XXXX. My name is XXXX XXXX, and I reside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified. 

To initiate this process, I am providing the following documents : - Proof of my identity - A copy of my identity theft report - Identification of the disputed information - A statement affirming that the information is not related to any transaction I have conducted Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing 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. I believe that the negative information associated with this account is inaccurate and was not authorized by me. 

Therefore, I respectfully request that you remove this negative account from my credit report immediately. Please confirm once this action has been completed. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation that the necessary steps have been taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Navient has started offering a School Misconduct Application form for private loan holders who were deceived by their schools. However, getting this form is extremely challenging. It took me multiple calls over two months to obtain it. Initially, I was repeatedly promised it would be mailed, but after persistent follow-ups, I unexpectedly received a digital copy in my Navient inbox. 

After a 45-day wait, my application was denied with a generic statement claiming that " I did not meet the requirements for discharge based on school misconduct. '' I have serious doubts that my application was genuinely reviewed and considered for the following reasons : Countless students on XXXX and XXXX have received the exact same denial response, suggesting a lack of individualized assessment. 
The application form was pre-filled with the specific loan in question, indicating that Navient was already aware of the potential issue and targeting this loan for private discharge applications. 
During the review process, I was notified that my loans were being transferred to another provider, XXXX, further implying that my application wasn't being taken seriously. 
These factors lead me to believe that Navient may not be genuinely evaluating these applications and that the denial decisions might be predetermined or based on factors other than the merits of each individual case.
Consumer complaint received 2024-05-08
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 accurate.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

Hi, I am trying very hard to get connected virtually on the phone with the XXXX XXXX. I have the business card, it is the USBank Triple Cash Rewards Visa. I do not see any contact options in writing online to do this. I do not have any formal branches in New Jersey to go to. To talk about this to Customer Service specialist is not relevant. And I told this to USBank on XXXX, to please send my topic to the XXXX XXXX but they did not do it. I need to tell the XXXX XXXX that, despite having one prior late fee reversal, I have a situation having been out of my control on XX/XX/XXXX because the Settlement Lawyer sent to my home mailbox the check very late, and I incurred a late fee, and I only request one more time this reversal from USBank. I figured it was a reasonable thing to do due to having posted evidence correspondence for USBank. I needed to be informed yes or no please.
Consumer complaint received 2024-07-16
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: JPMORGAN CHASE & CO. (NY)

I just noticed an email sent yesterday from Chase : " We haven't received your credit card payment. '' I wasn't aware that I had a credit card w/ Chase ... .so I clicked on the link and saw what looked like a Chase website. 

I called the number... .but couldn't get anywhere. They said that they needed my account number ( which I wasn't aware that I had an account number ) ... ... and then the only way to go over this with me is to get my social security number. 

I refused to hand over the social security number. I did a XXXX & the only other emails that I had from Chase were XXXX XXXX ... .its possible that they went directly into my spam and were deleted, but I can't tell. 

I have absolutely no recollections of bills being sent to my address... .No recollection of activating a credit card with them ... .No recollection of using a credit card with them. 

I do recall throwing out some credit card offers, but I don't recall with which companies. 

The woman on the line stated that they couldn't send me anything in the mail... she just needs to get my social security number from me...... like WHAT???? I can't tell if this is actually Chase, some scam, XXXX ... .or what's going on. If this is Chase, shouldn't they have been sending me bills in the mail to my address?? Shouldn't I have a physical credit card with them??? Something???
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Expirian, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (HI)

During the loan modification of my mortgage back in XXXX, Wells Fargo fraudulently reversed several payments, and only sought to remediate that after settling a class action lawsuit over a decade later. 

Wells Fargo violated court orders to remove my ex wife from my loan back in XXXX. 

Wells Fargo violated court order to remit the check in my name only, my ex-wife having surrendered all interest in my home in XXXX. 

Wells Fargo violated the terms of their settlement agreement by refusing to remit a check in the amount of the fraud they have committed against me. 

Wells Fargo has demonstrated that they do not intend to abide by court orders or their own settlement re : the class action lawsuit as they have ceased all communication with me and refused to provide contact information for my ex-wife to grant permission ( again ) to remit check in my name only.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (RI)

My mother, XXXX XXXX. XXXX, is an XXXX XXXX XXXX widow with XXXX XXXX XXXXXXXX. I am her power of attorney and manage her finances and pay her bills. XXXX is still capable of take care of herself, going to her doctor 's appointments and taking care of her home. However, my mother submitted a dispute of charges to her Sam 's Club 's Synchrony Bank which provides private label store cards for retailers. Synchrony has never conducted an investigation on her behalf and has verbally called and threaten to take her to court to sue her over fraudulent claims. We have written them and provided documentation that my mother has never not paid her bills and that Synchrony Bank never acknowledged her claims or request to investigate the fraudulent charges on her card. The threats and letters should stop and a thorough investigation should have been started with documentation back to us so that we can see what happened. I have noted this in my correspondence to Synchrony Bank but they have refused to even acknowledge my letters.
Consumer complaint received 2024-07-11
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. (CA)

I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX : {$220.00}.