davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Consumer complaint received 2018-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (AL)

Resurgent is refusing to acknowledge that accounts XXXX and XXXX were opened as fraud. I did not open these accounts. A credit card statement isn't proof that I own the accounts. When these accounts were originally opened my XXXX year old son was the one that opened these accounts in my name without my knowledge. Therefore, I'm not XXXX my son. He's fixing to be XXXX and realizes the mistake he made. At the EOD I'm not responsible for these accounts nor did I ever use them cards. If I need to get an attorney I will in order to get these accounts closed.
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

An unauthorized auto-renewel for XXXX XXXX XXXX XXXX was charged to my XXXX XXXX account. Having a XXXX balance on this account, I wasn't aware of the charge until I received a past due notice. I called and spoke with XXXX XXXX and explained the situation. I paid for the " time used '' on the XXXX yr plan to date, and no longer had access to this XXXX service plan, but in the meantime it was turned over to XXXX XXXX 
I have gone round and round with XXXX, with actual reference numbers of phone calls and charges that I paid to XXXX XXXX and they will not drop this. This has been going on since 2019. XXXX told me " at this point, its about principal ''. I agree with them whole-heartedly, as I do not owe them any money because they stopped my service when I paid for the time used. 
Now it has been turned over to Resurgent Acquisitions where I can not actually speak to a real person. I do not know what else to do.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. 

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CO)

I have reviewed Account Number XXXX, managed by RESURGENT/LVNV FUNDING on my Consumer Report with XXXX. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XXXX  This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 

2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 

3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XXXX XXXX  suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information. 

4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. 

These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender.

In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I am writing to address the serious concerns I have regarding the debt collection activities associated with Account Number XXXX. It has come to my attention that your agency may be in violation of various laws and regulations, as detailed below : 1. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Your agency has failed to adhere to the FDCPA ( 15 U.S.C . 1692g ), which mandates providing written validation of the debt within five days of initial communication. This omission raises significant doubts about the validity and legality of the debt in question. 

2. **Fair Credit Reporting Act ( FCRA ) Violation : ** - Your agency appears to have accessed my credit report without my explicit consent, a direct violation of the FCRA ( 15 U.S.C . 1681b ). This is not only a breach of federal law but also a violation of my privacy rights.

3. **Georgia Law Violation Lack of Explicit Consent : ** - Georgia law explicitly requires that debt collectors obtain explicit consumer consent before accessing consumer reports or disclosing non-public personal information. Your agency 's failure to secure such consent is a clear breach of state law.

4. **Unauthorized Addition of Items to Credit Report : ** - The unauthorized addition of items to my credit report without proper validation and consumer consent further violates federal and state regulations, undermining the accuracy and integrity of my credit history.

Furthermore, it is crucial to emphasize the emotional distress caused by these violations : The unauthorized use of my private information and coercive tactics have left me feeling scared, nervous, and unsafe. This emotional distress is a direct result of your agency 's actions, compounding the urgency for resolution.

I demand immediate corrective action, including providing written validation of the debt within 30 days and confirming my explicit consent for your agency to access my consumer report and non-public personal information. Failure to comply will leave me with no choice but to pursue legal remedies available under state and federal laws.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX updated my credit file with Equifax and XXXX that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-11
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

Hi, i've been victim of theft identity. people applied for a loan in my name from these two companies below XXXX XXXXXXXX XXXX XXXX XXXX i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXX XXXX XXXX XXXX XXXX ; i had loan amounXXXX ( XXXX $ ) on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MA)

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, Federal Commission, Social Security, XXXX and the XXXX Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I was charged {$350.00} for my storage unit. This amount was {$150.00} over the amount that was owed. I filed a dispute with my bank, called the storage place and told them this was wrong, he left me a voicemail stating they overcharged me on accident, then 3 weeks later mailed me a check for half of the amount they overcharged me. The bank sided with the merchant because they provided " proof '' the charge was valid. I submit a transcript of the voicemail from the merchant showing that they overcharged me, and sent a copy of the letter show they overcharged me. The bank still sided with the merchant and now I am out {$350.00}.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

My wallet was lost at a convenient store someone ended up turning it in. So I stopped by and grabbed it on my way home went to sleep woke up to my account being drained. When i seen thin i checked my wallet and my debt card along with my pin was stolen. I immediately called Chime started a dispute. Since then i keep getting the run around by them laughed at ans mocked daily. I have sent them everything they have asked for and then some. They will denie it but reopen it again and again
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I enrolled in the Amex Offer for XXXX and followed the instructions to use the offer but American Express is claiming because I used XXXX XXXX  that my purchase doesnt qualify. This exclusion makes no sense when it clearly states on American Express website : XXXX XXXX XXXX XXXX XXXX ) Can I take advantage of Amex Offers using XXXX XXXX? 

Yes. If you enroll your American Express U.S. Consumer or Small Business Credit or Charge Card in Amex Offers at merchants that accept American Express contactless payments, you can make qualifying purchases using XXXX XXXX  that will be eligible for the offers. Amex Offers is not available for American Express Corporate Cards. To learn more about enrolling in eligible offers, please visit AmexOffers.com.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc. (SC)

XX/XX/2024 - XX/XX/2024 : Time for the background report || XX/XX/2024 : Reviewed report ; received Pre-Adverse Notice from XXXX XXXX stating there was a five-day timeframe I would have to dispute the report and submit a written statement ( date due by : XX/XX/2024 ) || XX/XX/2024 : Submitted dispute for report for misleading parts of report ; offer of employment rescinded ; responded back to XXXX XXXX XXXX  Adverse Notice email asking why I had not received XXXX business day before the decision was made - no response || XX/XX/2024 : Sent another email to XXXX XXXX and a different party replied ( XXXX XXXX XXXX XXXX ) - XXXX stated that the Adverse Notice was accidental as they were switching background reporting companies and that my case was still under review ; Dispute XXXX completed without changes || XX/XX/2024 : Submitted Dispute XXXX with HireRight || XX/XX/2024 : Still no further replies from XXXX XXXX XXXX background report still under dispute process ; final decision still showing on report with " Does Not Meet Company Standards '' even though XXXX  said differently the notices/emails I received said differently || The report contains potentially misleading and inconclusive information in the section that was specifically used against me in the hiring process. In the same section for this court record, it reads " HireRight is unable to confirm ... '' and advises of " Partial '' matching information. || Information used in adverse decisions for employment should be transparent by not having a statement stating an inability to confirm and should be based on " Full '' rather than " Partial '' matching information. If something is not 100 % verifiable, it should not have been included on my report. XXXX HireRight included this information seemingly without fully verifying it. XXXX XXXX knowingly used the inconclusive information to rescind the employment offer after XXXX business days rather than XXXX, then advised me they " accidentally '' sent that Adverse Notice ( although I don't see how someone accidentally typed my name/email/etc. and then clicked " Send '' ), and presently, I have heard nothing else from XXXX XXXX. || The individuals working for HireRight and/or XXXX XXXX do not seem to be handling this process in a way that aligns with FCRA requirements. Although I am currently awaiting Dispute XXXX results from HireRight and further correspondence from XXXX XXXX, the previous events still occurred.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (LA)

I went to use my Lowes credit card and found it had been closed by Synchrony Bank without any notice. They said they sent a letter to me but I have not received any such letter. I was told they closed it because of lack of real estate information on my credit report, balances on my XXXX cards high even though I am paying my cards on time. I have bought and sold real estate the past XXXX  years and I dont know why it isnt reported on my credit report. I own a home that does not have a mortgage on it. Based on the Credit Card Act of 2009, Synchrony Bank did not give me XXXX  days notice of closure of my account. Can you help me please? 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (GA)

I contacted Lexis Nexis as well XXXX XXXX XXXX to exercise my option to opt out under 15 US Code 6802 and I was denied. I have expressed that I have given no consent verbal or non verbal, written or unwritten. Still was denied my right to OPT OUT
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management (IL)

Received a call from central mediation services and was transferred to a case manager, verified my name but would not verify my social security number. They said they would go ahead with the suit for an amount over {$3000.00}, and then they hung up. They only called once so far and if they call again I will try and get more information. I think this was for a debt with XXXX XXXX XXXX, a debt I never had and even verified with them I never had a account with them
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, EXPERIAN did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if EXPERIAN does not correct these accounts. 

INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX DATE XXXX XX/XX/XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX  ACCOUNT XXXX : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX XXXX NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$540.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED XXXX : XX/XX/XXXX ACCOUNT BALANCE : {$370.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00}