davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist denied my online application for a checking account based on hearsay form XXXX XXXX. I did not give Truist the right to obtain contact a third party to obtain alleged information about me. Truist violated the FDCPA and is liable for this violation of my privacy.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-03-10
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CONTRACT CALLERS INC (IL)

A woman from a collection agency for XXXX XXXX called me at XXXX from the number XXXX XXXX XXXX XXXX. She was calling about a debt I owe to XXXX of {$150.00} or so. When I told her I was not working, not eligible for unemployment insurance and I do not have any money, she prodded me to get friends and family to help me. I told her that they are already helping me as much as they can ( I am living with family and they are making sure I have food and have access to a phone, car and car insurance so I can continue to look for work ). 

I explained to the woman that I recently got divorced and have a lot of bills that have added up. I told her that I am aware of the debt and plan to pay it as soon as I can. She then asked which bank I use. I told her I will not give her that information and she proceeded to tell me that I may as well just give it to her since they 'll keep calling and get it eventually. Then she started raising her voice and and said " Are you trying to say not to call you again? Is that what you 're trying to say? ". I told her that it is illegal for her to harass me and that I had already told her I am aware of the debt, I do not have any money, and I plan to pay it when I am working and can take care of it. I told her that I was n't telling her not to call me again and she was talking over me, yelling and arguing. Eventually, she hung up on me. 

This conversation is the most adversarial and nasty one I 've ever had with a debt collector. It left me shaken up. I had a scheduled phone job interview with a potential employer right afterwards. I 'm hoping answering this woman 's call did n't affect my manner on the phone. 

I am trying my best to find work and be able to support myself again. I do not feel it was fair or legal for this woman to verbally abuse me on the phone. I answered the out-of-state number, knowing it was probably a debt collector, because I 'm being as responsible as I can. I do not like having outstanding debts and I try my best to deal with everyone who contacts me in a fair and respectful way. I am in an unfortunate spot in my life at the moment that will hopefully pass soon. Being abused over the phone by a debt collector adds insult to injury. 

I reported this because I do not want anyone else to be treated the way I just was.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-19
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: EQUIFAX, INC. (CA)

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 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION (AZ)

Deceptive Collateral Protection Insurance Practices XXXX. The website was down and being renovated during the pandemic and since has been restored and upgraded. 
XXXX. While looking at the balance sheet on the new web access the deception is on the balance sheet where there is a curious line on the statement that reads ... '' DISCOUNT ADDED ''. There is no other description with regard to these words that appear positive in nature. We had no way of knowing at that time that this was collateral protection insurance. Due to the ineptitude of the website and their failure to communicate with us fairly they successfully hid what they were doing. We didn't find out until a year later when we were doing our taxes. At that point there is no remedy to reverse these charges which are deceptive, incomprehensive, and excessive! They provided no correspondence on how they calculated such an exorbitant amount. When we contacted them for an explanation they actually threatened to repossess our vehicle even through we are not late on any payments.
Consumer complaint received 2024-04-16
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. (NY)

I recently viewed my credit report and noticed an account that's isn't accurate. I have late payments on the account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my report to this complain on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). XXXX now requesting you to investigate and provide verifiable proof of records showing that I had late payments. if this information can not be verified I demand these payments to be updated to ( paid on time ) immediately. Thank you for your understanding & help in advance.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After meeting with BOA, service agents XXXX XXXX XXXX XXXX XXXX an excess of 5 times whereby phone calls were made to various BOA Departments, trying to locate the XXXX $ that were wrongly sent from BOA credit card to XXXX XXXX  agent after agent kept on telling us it would take a month to research case. 
Eventually BOA concluded that the money had been cashed by XXXX and that the transfer was legitimately completed. 
I never gave XXXX XXXX XXXX XXXX XXXX  I gave her my XXXX XXXX she read the number aloud and entered those. 
How that money ended up at XXXX XXXX  and cashed! is beyond me. 

After I reached out to CFPCB, XXXX XXXX XXXX sent me an email that she would be conducting her own investigation. XXXX XXXX works for BOA, as a Resolution Specialist, Regulatory Complaint Dept. 
She stated it would take another month for her to reach a resolution. 
Around XXXX XXXX XXXX, I received a letter stating that BOA was not at fault, that XXXX XXXX had showed me a summary of where the funds were being transferred ( not true ), that I had approved location where funds were being sent ( not true ) never saw check and that it was up to me to contact XXXX Bank to recuperate my money. 
I continue to stand by my word, that I gave XXXX XXXX XXXX XXXX XXXX, that she entered that account number, that when a window popped up with various addresses for XXXXXXXX XXXX, she asked which one there are various, she read the addresses aloud, and I said the one on XXXX, my initial account with XXXX was opened at a branch in XXXX XXXXXXXX XXXX  located on XXXX XXXX. And thus, she committed the mistake of sending the funds to XXXX Bank. The nearest location of a XXXXXXXX XXXX  is in Georgia, I live in Florida. 
What am I going to say? You have my money, please give it back? They are going to think I am a scammer. XXXX XXXX XXXX XXXX XXXX XXXX, tells me this needs to be performed internally by BOA. 
Thanks! XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (DE)

Dear Ombudsman, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my student loans, specifically concerning the forgiveness program. I recently became aware that there might have been an oversight in the forgiveness process that resulted in only a portion of my loans being forgiven. I contacted MOHELA and they informed me it was too late and there was nothing they could do. 
I am truly grateful for the assistance I have received in the form of loan forgiveness for some of my student loans. However, I recently discovered that I could have potentially qualified for forgiveness on all of my loans had I been informed about the option to consolidate two specific loans into the ones that were forgiven. 
Unfortunately, I was not aware of the consolidation option at the time, and I believe this lack of information has led to an oversight in my case. I understand the importance of following the correct procedures to ensure eligibility for loan forgiveness, and I want to rectify any oversight that may have occurred. 
I kindly request that you investigate this matter further to determine if there was indeed an error in the processing of my loan forgiveness. If it is confirmed that the consolidation of the two loans was necessary for full forgiveness, I respectfully ask for your reconsideration and the inclusion of those loans in the forgiveness program. 
I am committed to fulfilling all requirements and ensuring that I meet the necessary criteria for loan forgiveness. I believe that had I been informed about the consolidation option, I would have taken the appropriate steps to include all eligible loans. 
I appreciate your prompt attention to this matter and look forward to your response. As you look through this information, can you please put my account into forbearance. 
Thank you for your understanding and assistance in resolving this issue. I am eager to work collaboratively to ensure that all eligible loans are considered for forgiveness. 
Sincerely,
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

Received post card on Monday, XX/XX/2018 advising of a NSF fee charge of {$38.00} on XX/XX/2018 for payment of check number XXXX for {$50.00} with a balance of {$44.00}, see attached image. 

I have reviewed my account online. When the check cleared the balance was {$210.00}, see attached image.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXXXXXX XXXX XXXX XXXX XXXXXXXX USDOEXXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Experian. I never received any correspondence from experian on any investigation before this item was furnished or I did not receive any correspondence of results of experience investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, experian has assumed this vital role which the have neglected to accurately do which is their grave responsibility. The have no followed the procedures that Congress has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Experian has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm.

Please update this information to paid never late and respect my rights that Congress has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to updated immediately.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I reached out to XXXX, Equifax and XXXX in XXXXXXXX XXXX XXXX  regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/ I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX