davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Just got off the phone with XXXX XXXX and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, XXXX, equifax, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXXXXXX XXXX is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the XXXX! Have this account deleted immediately!
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was charge thousands of dollars online from A website.. It clearly was fraud.. Most claims was filed separately ( more than 1 claim number ), but the bigger one was denied.. How did all my claims get resolved and refunded but the bigger one, when it all came from the same merchant?
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have hard inquires on my report that I would want removed off my report due to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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. (IL)

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 2024-05-03
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. (GA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ITEMS which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX 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 2024-01-20
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX and XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above mentioned companies reporting services.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
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. (LA)

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 2018-04-07
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (SC)

Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing to express my serious concerns regarding the deceptive and unsafe practices employed by your company in handling my consumer credit accounts with the following reference numbers : XXXX and XXXX. It has come to my attention that your company reported to the credit bureau that I am late on payments, which is inaccurate given that I prepaid when I provided your company with a negotiable instrument upon signing the contract. 

I recently discovered that the negotiable instruments, serving as evidence of indebtedness, were securitized and placed into an asset-backed security without my knowledge or consent. This lack of transparency is a breach of our contractual agreement. Additionally, I would like to bring to your attention the existence of an arbitration agreement in our contract, stipulating that any disputes between us should be handled through arbitration. Contrary to this agreement, your company has taken actions such as reporting to credit bureaus and selling the accounts without adhering to the arbitration process. 

Furthermore, your company 's deceptive practices attempt to portray me as being in debt when, in reality, banks generate money through contracts signed by consumers, and your company benefits from the credit sale we engage in. This reversal of roles is not only misleading but also in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to highlight specific FDCPA violations : FDCPA 807 : False or misleading representations, ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

FDCPA 808 : Unfair practices, ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

I have accumulated a significant amount of envelopes from statements sent by your company, each bearing your logo/symbol, which may constitute a violation of FDCPA 808.

I demand the immediate removal of the accounts associated with reference numbers XXXX and XXXX from credit bureaus. Failure to do so will compel me to pursue legal action for FDCPA violations, defamation of character, security fraud, and additional damages. 

I trust that you will address these concerns promptly to avoid any legal consequences.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

Received electronic ( e-mail ) billing statement from MOHELA ( loan servicer ) on XX/XX/ with a due date of XX/XX/XXXX This billing statement was backdated to XX/XX/ and did not provide the 21 days advance notice as outlined by the Department of Education ( information here : https : //studentaid.gov/manage-loans/repayment/repaying-first-time ). The correct payment date should be XX/XX/. I have submitted the payment today ( XX/XX/ ) but am concerned that this will count as a late payment on my credit report. 

I have been unable to reach a representative of MOHELA on the phone, as the website reports high call volume.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file.