davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I had a XXXX XXXX, XXXX XXXX XXXX XXXX and online XXXX XXXX I told her what I was going on with my life which is pretty much that I have told United States Human and Health Services and many other agencies and she did not seem concerned about anything I said. She started asking me questions about my past and I did answer because she had me believing it would better understand my condition During the whole session, she did not have any opinion or insight. Also she never gave me a plan. She did say I did need medication and that my pharmacy will have this afternoon. Will the prescriptions never have showed up at the pharmacy. There is no prescription at my pharmacy. Also, I the next day looking at the online XXXX website and it says my provider with review my information and respond to accordingly This XXXX XXXX said it would be taken care the same day as the appointment we had. I had a paid membership and none of XXXXXXXX XXXX  part of the agreement was fulfilled. I thought to myself I have been lied to yet by another business and even another Medical Center. When will this nightmare ever end? I made an debit card dispute with Bank of America and the funds reversed back into my Bank of America Credit Card a week later. Now as of XX/XX/2023 there is a charge back to XXXX of {$95.00}. I do not think XXXX should be so unethical and keep this money
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good morning, this is my third time trying to solve this issue with XXXX and XXXX  they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers.
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added to my credit file by LVNV Funding LLC XXXX This address I never lived at this XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX nor received MAIL there. This is an 18 U.S. Code 1342 federal law prohibiting using a fictious name or address in any matter related to the United States Postal Service
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Last month I requested my credit report and Experian advised to me that they could not provide it because they could not verify me and gave me a phone number to call. I called the phone number, but I could not speak to a representative at all and I couldnt get it resolved. Ive been trying for over a month to get this resolved. But every time I try to call the number that they provided to me the system that they have set up through their phone system will not let you speak to a representative. It only gives you recorded messages, no matter what you go through on their system. They will not let you speak to anyone in return. They are violating my rights to obtain a credit report.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-01-25
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)

I had a loan with XXXX ( XXXX XXXX ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.
Consumer complaint received 2024-02-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NY)

My fraud complaint was denied and I received a 1 page letter that seemed XXXX XXXX did not address the actual fraud that occurred on my card and they stole XXXX cents of my unemployment benefits from me. 


case number XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX to GOEPCClaims Current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX send new card here ) Address on File : XXXX XXXX XXXX XXXX XXXX XXXX ( dont send things here ) Claim # XXXX Transaction date XXXX Amount XXXX $ I ordered a couch of XXXX for the amount of XXXX. When I received the confirmation I noticed that they had said they had shipped to my billing address. I tried emailing them got a non answer. I tried contacting them through the webpage ( not a real number ). I started XXXX whether others had been scammed and found no positive review and several in the same situation I am. I then contacted the post office once the package reached America from XXXX. THe post office informed me that the package size was XXXX and that they normally do not deliver couches. They also informed me that the tracking number provided was being sent to hawaii as several of the other reviews claim. I have no address in hawaii, I have never been to hawaii and I know no one in hawaii. I have tried to contact them again but there has been no response. Please see the attached documentation. 

Thank you, XXXX there were a bunch of pictures of the transactions the website. the emails. this is also mail fraud which I can not upload to the CFPB webpage at this time.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Hello my name is XXXX XXXX. Im writing this to delete the following information from my credit file. The items that I am requesting to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charges or changes. I ask that these items be deleted and updated in order to correct my credit file and protect my consumer reputation. These accounts and inaccurate information has been causing me to be denied by lenders. I ask that per FCRA Laws that these accounts be removed immediately.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (CO)

I had a loan with XXXX ( Mr. Cooper ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.
Consumer complaint received 2023-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (UT)

I reached out to Security Service Credit Union sent me a monthly statement for an amount due in Monthly payment that did not properly reflect the actual amount that should be due per my terms of my HELOC. I informed them that the calculated payment amount was not the same amount that should be due based off of the terms of my loan and the balance on the HELOC. I was told that I was wrong without being given any documentation on how they came up with their amount due. As it stands. I am being charged more monthly for my " interest only '' payment then the terms of my contract states as the amount being owed.
Consumer complaint received 2024-05-13
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: Resurgent Capital Services L.P. (AL)

I requested, via a signed and notarized letter sent certified mail, the original bill of sale from the debt seller, The name and address of the original creditor, the account number ( XXXX ), and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 

All they sent me was their phone number * ( no answer ) and a final bill from the original creditor.
Consumer complaint received 2023-12-29
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. (MD)

on XXXX XXXX XXXX I sent information about having my bankruptcy removed I have provide information from the court and their data provider including identification of myself. Experian case-number XXXX came back today as of XXXX it stated the same answer that the company as verified the information is accurate and correct. At this point I am asking again remove this item from my credit report because Experian has not done a investigation because their data provider is XXXX and they remove the XXXX in the month of XXXX the court does not provide information to the credit Agencies. So who are providing this information I have all the documents and conducted my own investigation with XXXX and they verified they provided information to ALL XXXX Credit Agencies. This is a violation of the Fair Credit Reporting Act.15USC1681a ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

Credit Report XXXX is wrong never been charged for this debt from XXXX XXXX XXXX XXXX which is {$220.00} unpaid. 
Collection Agency Source Receivable Management has no jurisdiction to charge this debt in the state of Pennsylvania. This debt will need to be removed from the credit report. 

Collection Agency SOURCE RECEIVABLES MANAGEMENT, Balance Date XX/XX/2023 Original XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Date Assigned XXXX XXXXXXXX XXXX Account Number XXXX XXXX Original Amount Owed {$220.00} Creditor Classification Cable or Cellular Amount {$220.00} Last Payment Date Status Date XX/XX/2023 Date of First Delinquency Status UNPAID Comments Contact SOURCE RECEIVABLES MANAGEMENT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (AL)

Before the debt was sent to court. I called navy federal and requested alternate ways to pay off debt or if all my debt could be placed as XXXX total and I pay monthly and I was told no one time then another time they told me they would transfer me to the department who help with past due debt. I was given the run around, getting connected to agent to agent. NO SOLUTION. I called another time around and was told that my debt was charged off and sold to a third party called XXXX XXXX XXXX XXXX never contacted me about the debt or any resolving alternative. Just a few days ago I get a certified letter in the mail from the XXXX XXXX XXXX XXXX XXXX XXXX with a complaint " Navy Federal Credit Union XXXX XXXX XXXX  How is it fair for Navy Federal to sell the debt to someone and then turn around and sue me for it.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I have a Care Credit card through Synchrony. I've been paying the minimum payment because that's all I can afford right now, but I just noticed that for the past 6 months or so they've been charging me a " PYMT CARD SECURITY XXXX '' fee of about {$15.00} a month, eating up half my payment! I looked this up and found that it was a " payment security '' program that cancels my debt in case of unemployment, death, disability, etc. I did NOT sign up for this and I did NOT consent to this fee! I want ALL the money I paid for those fees BACK NOW or I am contacting the POLICE! Well, I suppose I am contacting the police right now, aren't I?
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

The company agreed to refund me to refund the interest charges initially since I was misled by the representative on the online chatting. Called in many times to track the status and they went back on their word after 4 months ' waiting. Really disappointed about their inconstant service.