davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to unauthorized inquiries that have appeared on my credit report. I believe that my rights under the FCRA have been violated by the actions of the creditors listed below, and I kindly request your intervention to address this matter. 

XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports In each of these instances, I have reason to suspect that unauthorized inquiries have been made on my credit report without my consent. I have absolutely no recollection of authorizing these inquiries, and I fear that they may be the result of fraudulent activities. This situation has caused me immense distress and XXXX, as it threatens the financial security I have worked diligently to establish for myself and my family. 

Allow me to share a personal story that vividly illustrates the emotional toll of these unauthorized inquiries. As a single parent working tirelessly to provide for my children 's needs, I have always been vigilant about maintaining a strong credit profile. My creditworthiness is not just a number on a report ; it directly impacts our ability to secure stable housing, access essential services, and plan for our future. Last year, when my eldest child was ready to embark on their college journey, we were heartbroken to discover that the unauthorized inquiries on my credit report had negatively affected their ability to secure the necessary student loans. The dream of higher education and a brighter future suddenly seemed unattainable due to circumstances beyond our control. 

I am fully aware of my rights as a consumer under the FCRA, and I am deeply troubled that these creditors have not fulfilled their obligations to conduct thorough investigations into these unauthorized inquiries. I kindly request that you enforce the provisions of the FCRA in my case and ensure that these unverified accounts are promptly removed from my credit report. My financial well-being and the well-being of my family depend on the accuracy and integrity of my credit history. 

I kindly ask for your guidance and intervention to help me rectify this distressing situation. Please hold these creditors accountable for their actions and ensure that my rights under the law are upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

I have been trying to work with this company for almost over a years, in 2022 I started disputing this account because doesn't look familiar to me, after my dispute I started to ask for validation of the debt because if I owe the company money I would love to work with them but at this time I don't know who they are, I contacted the company who owns this account which is PROFESSIONAL DEBT via phone and the person that answer the phone was very rude asking me how is possible that I don't know who they are, which I reply I'm sorry but I won't make a payment on this debt if I don't know who this company is and why I owe the money.
Consumer complaint received 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX of 2023 someone got a hold of my cellphone and sent themselves {$3500.00} through XXXX  after being able to access my bank of america account through my phone. I contacted Bank of America to help me with this since this was from my XXXX XXXX XXXX account and I was a XXXX XXXX XXXX XXXX member at the time. Instead all I got was more frustration, anger, pain, problems, and a lot of wasted time. I contacted the bank to let them know what happened, that I had lost my phone at a bar and someone got a hold of it and XXXX themselves money. BOA said they understood and opened a dispute and investigate. When you open a dispute they are suppose to provide provisional credit. They did not do ANY of that. And when they finished their investigation they said that I am at fault and there's nothing they can do. How can I be at fault for something where I am the victim. Bank of America is a victim blamer company. I called them back and asked them why I lost the dispute and they didn't give me any info, they just said I am not in the right and they need more information. They also wanted a police report done. In my city there is a lot of crime and I had to go in person to do a police report. They are only open from XXXX and I have work too from XXXX so I had to use some of my hard earned PAID TIME OFF to go there and get a police report, and the station was very disorganized and it took me XXXX hours there to just get a report. Bank of America also thought I was lying when I said I lost my phone at the bar so I contacted the bar and kept calling for weeks and emailing them to verify that I lost my phone there and that they returned it to me. I finally got an email from the owner about it and sent me a letter stating they found my phone. I provided all this information to BOA after spending a ton of time and resources and mental stress to do what THEY ASKED FOR. When I gave Bank of America what they asked for they took months to review the claim again and deny me my claim stating that whoever took my phone shouldn't have gotten into it. Once again VICTIM BLAMING. So I wasted my time, got a lot of emotional and mental stress inflicted upon me, and lost a great portion of my funds after getting the run around multiple times. I did exactly what they asked for which was get a police report and a confirmation from the bar owner. In the end they denied me. 

IF you value your assets and want to protect yourself from fraud please do yourself a favor and keep your funds in another bank. It is clear BOA does not care about their customers but only to inflict them pain and cause them more stress and waste their time. Think of Banks like XXXX or XXXX if you want to keep your money secure and protected. Not at this bank.
Consumer complaint received 2024-01-23
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: Fay Servicing, LLC (NY)

This company is a bunch of LIARS & CHEATS!! NEVER NOT ONCE have they attempted to contact me! PLEASE provide any attempted contact information with dates & phone number provided as well as the name of the person who supposedly attempted to contact me! 
I NEED account details in order to manage this account to prevent any further delinquency! I still have not received information that I requested! 
As an account holder I am entitled to this information! PLEASE PROVIDE : -36 months of account history - what contact information do you have for me? ( I have received personal credit information from Fay for another person which I have reported to Fay ) I fear that MY personal information has been compromised! 
- loan payoff information - tax & insurance information on this account
Consumer complaint received 2023-09-21
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc. (MS)

Nemo 's Coll XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Charging me XXXX dollars for medical payments. 

I had a therapist for a while. But he was charging me an absurd amount of money for therapy. Nearly XXXX dollars an hour. He was also not proactive in therapy and even drove during our sessions. 

I paid for all of my sessions, then they tried to send another collection of {$110.00} for diagnostics or attempt to prescribe drugs. I was not aware of this nor was I aware that they would charge {$100.00} dollars plus a late free for a " attempt '' to prescribe.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am writing to formally address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. XXXX and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX.
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: Experian Information Solutions Inc. (NV)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. These following accounts are fraudulent and need to be blocked and deleted.. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Experian Account # : XXXX Account Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$2700.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXXAccount Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Status : COLLECTION Date OpenedXXXX Balance : {$580.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company, PORTFOLIO RECOVERY, purchased a debt from another company and I had no involvement with the transaction according to 15 USC XXXX I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XXXX XXXX XXXX, congress enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2023-12-19
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. (AR)

I have tried multiple times to get experian to remove the names on my report other than one. I have sent id as they have requested and still haven't removed the other names .I spoke to a customer service representative today and he informed me that I must provide my ssn I asked if they had authentication from the social security administration ( SSA ) to release my social security number form SSA-89 . I was told they didn't want to hear about any forms my rights, or laws being Violated. I have also disputed to have charge off, closed accounts, and any collection removed from my report and and late payments they refuse. I sent them a letter XX/XX/XXXX I will attach and have stated multiple times they do not have written or any other type of consent Giving authority for myself the consumer according to 15 USC 1681C - 2 ( A ) HJR192 PRIVACY ACT OF 1974. Certification of indebtedness. I would like these issues resolved immediately.
Consumer complaint received 2023-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to express my frustration with Navy Federal Credit Union ( NFCU ) for their refusal to temporarily lower interest rates to help alleviate financial strain on military members like myself. Despite multiple requests, NFCU has consistently declined to adjust my loan interest rates during times of financial hardship, making it difficult to manage my finances. I pay about {$8000.00} a year in interest alone, which makes it impossible to ever get ahead. Furthermore, NFCU has been sweeping funds from my checking account without prior notification to satisfy their own payments, which has caused numerous overdrafts and additional fees. This lack of flexibility and transparency has only compounded my financial difficulties. I urge the CFPB to investigate these practices and ensure that NFCU provides fair and supportive financial services to military members.

For context : XXXX XXXX, XXXX and XXXX have all assisted, but the credit union for military members wont.
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (TX)

Back in XXXX I was involved in an auto accident. My insurance at first was attempting to total the truck and not try to fix it.. So the insurance communicated to ally financial ( the auto loan company ) and told them total loss so at this point my auto loan is up in the air and I knew this. Well the process to fix my truck and appeal the total loss took from XXXX to XXXX when my truck was finished. So I get my truck back and try to call ally and they tell me sorry but my account was insurance charged off I said no sir I have my truck and its fixed they than proceeded to tell me that they couldnt reverse the charge off and when I asked why I wasnt contacted before it went to charge off they said its not up to them to tell me status changes. I tried having them look into it further and to be fair with me since it wasnt me who dropped the ball here. XXXX and ally did all the communication and left me out of it. Than I get stuck with a XXXX charge off on my credit that I couldve avoided had they given me a chance to save it. So while my truck was in the shop from XXXX to XXXX I didnt pay my note because I thought it wasnt getting fixed Well when they decided to fix it they used the timing against me and said well its too late. All of this was stressful as I called ally and XXXX every other day trying to figure out what was happening with my truck and the note. They told me not to worry XXXX  would cover what insurance doesnt pay, so on and so forth. But I feel like I was trapped into now having a charge off on my credit and ally wont help or take any accountability for their mess ups and lack of communication.