davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (CO)

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX*Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX XXXX  To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-21
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. (NC)

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I sent a dispute letter to XXXX, XXXX XXXX, and Equifax in about XXXX or XXXX of 2024, disputing accounts that are not mine, yet they verified them as belonging to me. This is stressing me out. Please help me with this.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (LA)

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX   reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2024-05-21
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-18
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)

XXXX XXXX  Account XXXX XXXX, Date XXXX XXXX XXXX, XXXX The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX - purchased XXXX XXXX tickets through XXXX with BoA credit card. 
XX/XX/XXXX- XXXX announced it will refund GA ticket to those who purchased a VIP ticket to upgrade. 
XX/XX/XXXX - emailed XXXX XXXX XXXX XXXX  refund with proof of purchase of a VIP ticket. Support confirmed my refund the same day. Promising 7-10 business days for my refund to be processed. 
XX/XX/XXXX - followed up the day before the festival regarding the status of my refund. XXXX confirmed you are all set. 
XX/XX/XXXX - emailed XXXX again for updates on my refund status. No response. 
XX/XX/XXXX - support responded stating that records show you requested to keep both therefore denying my refund. Despite my due diligence of following up weeks and days before and after the festival. The GA ticket was never used/scanned. 
XX/XX/XXXX- filed a claim with BoA credit card. In between then and now, Ive called BoA support like for status updates and finally asked how I could send proof of the email exchange between XXXX and I. They directed me to fax the email receipts. 
XX/XX/XXXX- efaxed the email proof to BoA. 
XX/XX/XXXX - BoA denied my claim.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Merrill account has been frozen for over a year! I have {$200.00} cash that I have not be able to access! They have been keeping my cash deposit XXXX and have given me no way to withdrawal it.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (AL)

My mortgage company is doing something called misapplication reversal to move around payments. I have XXXX payments that they will not tell me where they are or where they went to. I have a suspense account that they are taking funds from and applying my payments late. They will not communicate with me. Each rep I get trys to rush me off the phone and will not tell me anything. Now they are trying to foreclose on my house XX/XX/year> but will not talk to me. They only want me to sign a remodification on my statement.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

With regard to actions I have taken to resolve the issue with the company, I have called and emailed the company over a week ago from today 's date XXXX. In addition, I have discovered new errors in my loan that suggest bad faith tactics at the hands of a predatory lender. Below I will clarify the issues I have contacted the company about and the new issues I have discovered in regard to my loan. 

Problems I contacted the company about on XXXX, I called and emailed : XXXX. My loan was agreed to have a FIXED interest rate of 5.69 %, but they have increased it to 5.94 %. 

XXXX. My monthly payment is currently {$220.00} because it increased from {$220.00} when it shouldn't have. 

The company 's response : They recognize the issue, but have no idea when it can be fixed. And currently I am still on tract to pay the higher monthly rate of {$220.00} New-found problems that lead me to believe this company is conducting predatory lending tactics : XXXX. My loan was supposed to be {$20000.00} at 5.69 % APR with payments made over 10 years. Now after calculating these numbers, my monthly payments from the beginning should have been {$210.00} after taking out the full {$20000.00} for school, NOT {$220.00} which they later increased further to {$220.00}.
Consumer complaint received 2024-05-21
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. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-07
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. (MD)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Did not open or authorize please delete.
Consumer complaint received 2024-05-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of state of Texas medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
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. (PA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2024-05-07
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. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I looked at my Equifax credit report on XX/XX/year> 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 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 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 i ) 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 2024-05-21
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-21
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 just pulled me 3 bureau credit report for the first time in a long time and noticed there was a collection account reporting on my credit report that is not mine. The collection agencies name is XXXX. XXXX, XXXX. They are collecting on behalf of XXXX XXXX. I've reached out to their fraud department and the rep confirmed that my address is not matching up with the address where someone stole my information to obtain service at. I was told to obtain an ID Theft Police Report to have this negative permanently deleted from my XXXX bureau Credit report. 
Below is the collection agencies information that I would like to have permanently deleted from my XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX - Account Number : XXXX