davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Transform Credit Inc. (CA)

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 respect for the consumer 's right to privacy. XXXX 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 ' nonpublic personal information. " ( Furnisher of information to credit agencies ) 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. The financial institution and the Consumer reporting agencies XXXX 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 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 non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. You 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 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. 15 U.S. Code 1681 e 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. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME FIRST INV SC - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX XXXX XXXXXXXX- This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME FIRST INV SC - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - U.S. Bankruptcy Court - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-02
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. (PA)

XXXX has deleted the account from my consumer report thus supporting my claim. Pursuant to section 623 ( b ) ( D ) I demand that this agency removes this item of information from all consumer reporting agencies immediately. Please see attached.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Back in XXXX I applied to the SAVE repayment plan. Mohela received my application and began the process of reviewing it on XX/XX/year>. On XX/XX/year> I received a message from Mohela claiming a processing delay. I was placed in administrative forbearance XX/XX/year>. My loans were then sent to XXXX XX/XX/year>. When I reached out to FSA about the application still being " processed '' in XXXX, I was told to reach out to XXXX. When I reached out to XXXX, I was told that Mohela never reported that I had applied to the SAVE plan. No one has any answers as to why my application back in XXXX was not processed. As of this afternoon, FSA still says my application is " under review ''.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-10-19
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)

DELETE XXXX  XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

According to the federal credit report act this creditor has violated my rights on the 15 u.s.c 1681 section 602 state I have the rights to privacy. 15 u.s.c 1681 section 604a section 2 it also state that consumer reporting agency can not furnish an account without my written instructions. On the 15 u.s.c 1666b A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-02
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. (PA)

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, Equifax, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and Equifax are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or Equifax written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my report
Consumer complaint received 2023-12-06
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: BOEING EMPLOYEES CREDIT UNION (WA)

XX/XX/ {$5600.00} was transferred out of my credit card account that was supposedly already cancelled by BECU. According to them I gave my personal information to the other party involved. I had not given any information out. The bank has been contacted by myself on multiple occasions and have not called my back with updated information. I have filed a police report for fraud and haven't heard anything from that also. Meanwhile my account is still being charged late fees and interest fees. They have started to pull those amounts out of a checking account associated with the credit card.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-05-01
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)

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 XXXX 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 2023-05-29
Product: Credit reporting, credit repair services, 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)

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. 
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 XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I do not have an agreement with Jefferson Capital or any of its affilates. I have requested original signed agreement and have no knowledge of this account. 

In accordance with the Fair Credit Reporting act XXXX  Account Jefferson Capital SY, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This item needs to be removed from my credit profile.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXXXXXX XXXX  at the XXXX FL they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (FL)

Today XXXX XXXX XXXX XXXX XXXX XXXX  aprox, I logged into my online banking and noticed many unathorized charges on my account made with my debit card. I noticed that is not in my possesion. 
I called the bank 3 times to order to lock my card and that was denied by them violationg the XXXX  XXXX, they just say go to a branch. 
The card remains active, and the bank didn proceed with the instruction to lock it. 
Also I need to know how to get a replacement card and open a fraud dispute on those charges.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I was behind on my Best Buy credit card and it was referred to XXXX XXXX. I made arrangements through them to pay Citibank the owner of the card ( Note Citi still owns the debt ). This occurred in approximately XX/XX/2017. Payments were set up to be automatically drawn from my checking account and have been done so every month. Most months I have been paying OVER the minimum required. I had a difficult month and called XXXX XXXX and asked that my payment be changed from XXXX to the minimum of 80 something for 2 months - I was told that was fine and I would stay on track. Come to find out that starting with the second month BestBuy has been considering it late because the minimum must have gone up a few dollars and have been hitting me with late fees. According to a statement I just got the total has been {$100.00} I have placed phone calls to them and finally spoke with the Internal Recovery Dept who verified I have never missed a payment, that my payments are on time and are regulated through the XXXX XXXX. First they tried to tell me that the fees were from XXXX XXXX and I pointed out that they were from BEST BUY aka Citi I asked that the waive that past late fees and credit my account and they refused saying " It's too bad I was given faulty info by their agent ''
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.