davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, Reported Date Opened as XX/XX/2023, and a Reported Balance of {$340.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name. 
I have attached a copy of the Identity Theft Report to provide proof of the unauthorized activity. It is your legal obligation to immediately block this fraudulent information from my credit report, given that I have provided the required documentation, and to notify the furnisher of this information about the block.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # 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 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (MD)

Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the XXXX time. Despite my efforts and the assurances I received, the fraudulent charges persist, and the promised action remains elusive. The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to mar my account, causing me undue stress, inconvenience, and financial harm. I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. Furthermore, I expect a formal apology for the prolonged neglect and the distress it has caused me. With this, I am asking for your assistance to remove these fraud items in my credit file  : XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX  XX/XX/year> ; XXXX XXXX Balance : {$3100.00}.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is using a deceptive sign-up form for their Credit Monitoring product. Consumers think they are filling out a form for a one-time credit report and credit score.  TransUnion attempts to hide from the consumer 's view that they will immediately be charged {$19.00}, and then charged this amount monthly thereafter. They do this by placing the details on the lower right-hand side of the web page. 

THIS SHOULD BE PROMINENTLY DISPLAYED IN THE CENTER TOP PART OF THE FORM! 

The second page of the form - where you enter your credit card number - has absolutely no mention of the pricing and recurring charges. There is a Service Agreement link in  small print at the bottom of that page. Otherwise, there is no confirmation through the rest of the sign-up process that you are signing up for a subscription service. 

The fact that they designed the form this way clearly demonstrates their intent to be deceptive.
Consumer complaint received 2023-04-03
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (OR)

My bankruptcy was discharged in 2012 and I am in the process of closing on a home. It was discovered during the home buying process that XXXX XXXX XXXX never released a judgment they placed against me back in 2012 for a debt that was included in the bankruptcy and has since been discharged! I called three different times this last week and was advised three different things all of which did not include them releasing the judgment. They are falsely holding a legal matter over on me, illegally now.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I Am Having a Problem with a Fraud Checking Account That Was Open With Capital One 360 there was a Checking Account that Was Open without My Permission and is Still Showing on My Capital One User Name And Has Not Been Removed i Contacted Capital One 360 Customer Service And They Told Me The Account Was Already Closed But is Still not Closed on my My Online ID And Has Not Been Deleted From My Capital One Profile.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MS)

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. Navient increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (MI)

This has been going on for over 2 years. I pay XXXX in property tax because Im a XXXX Veteran with permanent and total at 100 %. My city back in 2020 sent a tax bill about property taxes. So my mortgage company ( Crosscountry Mortgage ) sent what I had in escrow to my city. I knew nothing of this till in XXXX I received a letter saying that my mortgage is going up because my escrow is negative ( because of the property tax bill ). I called my mortgage company and told them that I am at 100 % and I dont pay taxes. So my City treasury sent two checks back to crosscountry and from that point my life will become hell. No call backs, no email replys. Nothing but a bunch of just typical passing the buck. I told several people at crosscountry that Im a XXXX veteran and trying to explain that I never paid property tax. Ive told them that Ive gotten so hopeless with this that I wanted to shoot myself. Ive mentioned to several people that I suffer from combat XXXX. Nothing happened! They just keep sending bills every month and I truly dont know what else to do.
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: EQUIFAX, INC. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023 XXXX unauthorized withdrawal of {$190.00} from my business account with Citizens bank.I had Citizens bank put a block on this XXXX 9 months before that date according to their records. But at the time I was to late to get my money refunded I would have to pay {$90.00} additional to block further. Because of this i received {$120.00} overdraft fees. I disputed it with Citizens bank. And they deactivated my account and sent me to collections. For $ XXXX {$370.00} depends on how calls my business phone.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc. (NC)

In XX/XX/XXXX was contacted by National Credit Systems I owed money to XXXX XXXX XXXX NC where I use to be a tenant. They asked NCS to collect debt.. In XX/XX/XXXX I sent NCS a Cease Comm letter telling them to cease all communications with me, also told them I will deal with XXXX XXXX myself and that I refuse to work with a collection Agency. I also told them not to contact any credit rating agencys of this debt. In XXXX I checked my credit reports and NCS has this debt listed. On XX/XX/XXXX I send NCS another letter telling them I do not want to deal with them. According to the post office they picked up letter XX/XX/XXXX. Yesterday, XX/XX/2018, NCS sent me another letter demanding payment.
Consumer complaint received 2018-08-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA (WA)

I signed a loan agreement with XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. They were going to get my loan paid off through XXXX within a number of days, definitely by the end of XX/XX/XXXX reportedly and then I would start owing money to Mohela, their loan financer. However, I got a notification that money was still being deducted for my XXXX loan in XX/XX/XXXX and when I checked my account, the loan had not been paid off. I contacted Mohela and XXXX and they said that it looks like the loan had not been paid off and they were going to look in to it and get back to me. When I had not heard back for several weeks, I contacted them again at the end of XX/XX/XXXX and they said they were going to put my loan through Mohela into administrative forbearance. I then got a notification on XX/XX/XXXX that said the forbearance had started and ended on XX/XX/XXXX and that I was still accruing interest through Mohela ( as well as through XXXX ). 

I have reported this to the company XXXX again today and they said they are still trying to figure out what is going on the loan repayment through XXXX. This has been going on for almost two months at this point, I am concerned I am being scammed and that I have now signed paperwork for a loan that does not exist, but that I am being charged interest on. The company has been very poorly communicative, and I have had to follow up multiple times to get answers, which no one has been able to provide.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2018 we found a {$200.00} withdrawal from our checking account with Bank of America that was not authorized. We notified the bank immediately and they started a fraudulent charge case and credited the {$200.00}. Nothing was received about it afterwards. 
XX/XX/2018 we discovered their was a {$200.00} hold placed on the account. When inquired the bank said they did not find the charge to be fraudulent and was taking the money back. When informed that it was not authorized they said they would " reopen the case '' and it would take 30 - 60 days to get it started and were not reimbursing the funds lost.
Consumer complaint received 2024-04-06
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. (AZ)

15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXXXXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number.

Thanks so much
Consumer complaint received 2018-08-17
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: Experian Information Solutions Inc. (GA)

Experian is has inquires on my credit file that I did not give any authorization too. I disputed the inquires in a later XX/XX/2018. They did not remove any of the items that I did not authorize.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-04-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX