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. (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 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 2024-05-18
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: NAVY FEDERAL CREDIT UNION (FL)

Dear XXXX XXXX XXXX XXXX, I am demanding the removal of this following charge-off account listed XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED ON XX/XX/year>. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This considered as an inaccurate account, and this is defamation of character.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Incorrect information on my credit report regarding a XXXX XXXX account. I have a right to privacy due to the fair credit reporting act. This incorrect information with this fraudalent account is greatly affecting my credit report. I need this account removed off of my credit report as soon as possible.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score and has been hurting my ability to obtain credit. I also need to refinance my vehicle because I am getting drowned by the interest rate. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you can not provide this information delete this account immediately. Please send me an updated copy of my credit report after your reinvestigation. 


Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2017-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (NC)

I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, 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. (DC)

I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : 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 2024-06-09
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I will certainly be entitled to under FCRA Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am a victim of identity theft Therefore, I hereby ONCE AGAIN demand that you immediately delete the fraudulent accounts listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 
XXXX XXXX  XXXX Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (TX)

I have submitted multiple complaint and dispute letters regarding inaccurate information on my credit report. It is both ridiculous and frustrating that these issues persist. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to promptly investigate and remove all inaccurate information. I demand immediate action to address these errors. Attached are copies of the letters I have previously sent as proof of my efforts.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, yet they are reporting me as late.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : 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
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below 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 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX XXXX is billing for {$770.00}. I called XXXX XXXX XXXX to inquire about the overcharges and was informed that changes had been made to the account. I informed XXXX XXXX XXXX XXXX I did not make any changes to the account ; XXXX XXXX XXXX XXXX locked me out of the account for online access. So, I canceled their insurance on XX/XX/XXXX due to changes made in my auto insurance policy without my consent and knowledge being locked out of online access to see the changes, and excessive fees increased from {$380.00} to {$510.00}. All insurance monthly billings were paid in full except XX/XX/XXXX through XX/XX/XXXX. The representatives were invasive over the phone about the amount of increase as if they wanted me to cancel the policy. 

Please note, that I was out on medical leave from my employer, who happens to be using XXXX XXXX XXXX at the time of my medical leave from XX/XX/XXXX through XX/XX/XXXX however, my insurance policy rates increased excessively. My vehicle was not used for my employment. I drive a municipality truck for the public housing authority where I am employed. 

Please Note : XXXX XXXX has sent fraud billing to Credit Collection Services to report to all three credit bureaus knowing I do not owe them {$770.00}. 

Regards, Pennsylvania XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (CA)

I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Account # XXXX Navy Federal Credit Union : XX/XX/24, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXX XXXX XXXX XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NC)

I currently have multiple loans through Sallie Mae that I have been paying since XXXX. I recently became unemployed and have not been able to keep up with my repayments. I contacted sallie mae on 2 separate occasions ( XX/XX/XXXX ) to get information and help as to how to go about this process and was told to just stop paying my loans which would result in damage to my credit score as well as my co signers credit score. No information was provided and i have not received anything further. Upon looking into my loans they have changed my payment amount without notice and have not been applying my payments to my principal loan and have just been using them for the interest which was also not stated prior to this shift.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

call from Portfolio Recovery on closed account in XXXX  from XXXX XXXX collector called with wrong mailing address only name and DOB she refused to give me her name and stated she was calling about an account from XXXX for balance due. As I took down the information she would not give account number stated I have a balance with XXXX XXXX and she is calling to collect on debt with no information just that the debt is for XXXX XXXXXXXX no account number.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NV)

This is a copy of my written statement I sent to Chime On XXXX XXXX XXXXXX/XX/year> I received a text message from Chime to alert me of an attempted withdraw of {$300.00} confirming if this was me or not. I responded no because I hadnt, then I received a XXXX message saying that the charge was denied and that I should be receiving a call from a customer service agent shortly. I am a skeptic about pretty much everything so I immediately requested a call back from my Chime app. Then speaking to your agent I asked where the charge originated from he told me that since I declined its not showing in his system, something like, since I declined it doesnt show, that somehow it drops from my account. So I asked about the XXXX text message I received to verify if this is the usual process and whether or not I should be receiving a call. He clearly said yes maam they are going to secure your account since it has been breached. I asked several times whether or not this is legit and he answered several times yes. As I was talking to him is when I received a call from a gentleman who introduced himself as a Chime account representative. So, Im telling you this because had your agent not said that I should expect a call to secure my account and that this was legit I would have never answered any call and this whole situation would have been avoided. It is my understand that you record calls so please pull up that conversation. 
In an attempt to prove to your business that I had no involvement in the fraud that ultimately took all of the money to my name. I have filed a report with FTC XXXX Federal Trade Commission ) as well as my local police department in XXXX XXXX ( proof in which I have provided ). I am prepared to hire legal counsel, if needed, and will continue to fight the denial of my claim until my hard earned money is returned in full. Thank you for your taking the time to read this and I will be waiting for your response.
Consumer complaint received 2024-03-23
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Early last year I received a check from a company indicating I had won a lottery check which I deposited into my Capital One checking account. I was not aware that this was a bogus check which was returned. From that moment on my bank decided to not only close my account but reprimanded me on a phone call and this also included two credit cards. I was not given the opportunity to adequately respond as no one at the bank wanted to hear from me. Essentially I was bodily ejected from the premises without any chance to defend myself. When this happened I contacted the Office of the Comptroller of the Currency to lodge this complaint. I was sent a letter from them indicating that this bank responded to my initial complaint which was not true. I was never contacted by this bank at all. First my accounts were closed and now I am told they responded to my complaint which is not true. Please clarify this problem I have Respectfully, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

My card was locked while I was making purchase due to a fraud detection alert. When I called in to confirm the charges were valid, Citi, doing their standard account verification procedures refused to verify me through the various methods they have in the past, including phone number, credit card number, checking account info, sms message confirmation, and other methods I have used in the past. The only way they agreed to verify me was through a letter sent in the mail with a reference number I could use to call in and confirm to finally gain access to my account to unlock it. Besides that this is very inconvenenient, and that they've forced me to do this multiple times, leading me to not have access to my card days at a time, they also have not even sent this letter for over a week leaving me with a locked card and no purchasing power. Please help them unlock my card and prevent them from mistreating me like this in the future, so I could have access to my card I righfully own without having it unfairly restricted from me for weeks at a time. Thank you.