davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (OH)

on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file equifax company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. 
every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX XXXX XXXX - aact # XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It May Concern : I am writing to dispute an inaccurate XXXX  XXXX account that is being reported on my credit report by XXXX, XXXX, and EXPERIAN and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX  XXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX  XXXX account after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX  XXXX account, XXXX, XXXX, and EXPERIAN is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that XXXX, XXXX, and EXPERIAN conduct a reasonable investigation into this disputed XXXX  XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to Bank of America that has been ignored.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XXXX XXXX, my Chime account was compromised. I was not able to reset my password because the phone number was changed. After submitting my ID and personal information to the company to change the phone number, I was finally able to reset my password and log in. I immediately transfered the remaining funds to my other personal account, locked my debit card and account and disputed all of the transactions that occurred during the time frame. The following month all but two of the transactions were reversed and I received confirmation as well as the money back. I've been dealing with the remaining two transactions since then. I've filed a dozen rebuttals and sent in as much information as I can but keep getting the same response and nothing has been done to remedy the situation.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

On Monday XX/XX/XXXX, I had a deposit of my XXXX payment to my XXXX account. I logged into the app and transferred {$3000.00} to my linked Navy Federal Credit Union account to pay some of my bills. The transferred had reflected as going through. I had a balance left was {$780.00}. I logged off the app once I was done. I tried logging back in to check to see when my insurance payment was due and got a message that I was locked out of my account. I called XXXX and told them something was going on with my account. They told me that I was locked out because there was several transactions done that looked suspicious and someone had breached my account and locked me out. She also said they believe that they got my Navy Federal account number as well. I then called Navy Federal right after on XX/XX/XXXX and the next morning XX/XX/XXXX to report to them that there had been a breach on my XXXX account and I would like a fraud alert added to my account there. No one explained to me on each call that they do not do " fraud alerts '' just add a note to the account. On Friday XX/XX/XXXX, I called XXXX to get a status update on the process and I was told they decided not to give me my funds back and my account was in the negative - {$110.00}. They also stated that they sent a letter to Navy Federal requesting the {$3000.00} be sent back to them which put my account in a negative status- {$2000.00} ( currently ). Navy Federal took {$1100.00} from my account and sent it to XXXX and did not notify me they had received this letter. They also took {$540.00} out of my savings account. They closed my account ending in XXXX and opened a new one then added the negative balance. It now shows - {$1400.00}. I now have no funds and no way to pay the rest of my bills. 
They are in violation of 15 U.S. Code 6821, 15 USC 1692g 809. Validation of debts and 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I was told I was getting the car for XXXX or so but the paperwork that was sent to me by credit acceptance was way over XXXX or so .. and they will not work with me on my payments they will not refinance to help me get my payment monthly down.. they have called after I was late on one of my payments saying they would come repo my car... I have told them that there is over 5 recalls on this car and I have been waiting for over 4 months to get the parts so the XXXX people can fix it .. and two of the recalls are on my airbags they are nonfiction at this time and that my traction and stabilization unit is not right so therefore whenever it rains the car tends to want to slide to one side or another and it tries to pull to one side or the other .. very dangerous.. they still said they couldn't help me or let me try to get another car that does not have dangerous recalls on it..
Consumer complaint received 2022-11-16
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. (FL)

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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio is alleging I owe a debt I do not. The debt has been canceled and reported to the IRS as income. Portfolio can not collect on a canceled debt and I refuse to pay Portfolio any money that I do not lawfully or legally owe.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions.

Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act. 

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected. 

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy Act.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (CA)

Experian continues to display these accounts below on my personal consumer report. I am building a suit against Experian as I have disputed these items before and Experian claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that Experian cease and desists and block listed accounts as Experian continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Experian continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer report. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX ********** XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXXXXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's. 

15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear sir, I have received the documents prepared on XX/XX/XXXX and XX/XX/XXXX. XXXX of them written on XX/XX/XXXX asked me to specify the desired date range for my security freeze, and your office representative asks me to submit the personal information including passport. As I have already submitted the same above-mentioned address the copies of necessary information, such as XXXX passport, social security card, and drivers license, I do not think your office need them ; but only in case your office lost these important and precious information by some reason. In this case, your office representative might need to indicate to clarify the suspicion he/she might be a reason of data breach which your company headquarters is trying to solve by settlement with me. The legal representatives of your company settlement of data breach admit my data was breached. In case, you lost my identification from your record, therefore, you might be the reason of this settlement. Anyway, your representative asked me to specify the desired data range of security freeze, I request from today, XX/XX/XXXX, until my death, probably, XXXX/XXXX/XXXX. 
Sincerely,
Consumer complaint received 2023-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NJ)

MY CD matured on XX/XX/XXXX. I called Ally Bank on XX/XX/XXXX to have them transfer the full amount of the CD to my bank account upon maturity. However, they claim we got disconnected during the telephone call since they didn't give me all their disclosures. 

I called them yesterday - XX/XX/XXXX and now they claim there would be a penalty since it is past the 10 day grace period of maturity. On the 11th day i call them and they say they count the days in the grace period and include the date of maturity in their calculation? 

Please have them send me my money to my bank account from my CD without any penalties!!
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC (TX)

I received a call on XX/XX/XXXX from XXXX XXXX ( XXXX ) XXXX stating he was with XXXX XXXX and they were going to take me to court gave me phone number to contact company ( XXXX ) XXXX case XXXX. He then called me XX/XX/XXXX being rude saying he was going to contact my employer I told him to please stop harassing me and if he made contact with me why call my employer? 
I called the company named Summit they said I was being sued for XXXX allegations on a debt owed for XXXX XXXX from XXXX I asked to please give me more information they said no I should know what I owed, I told them its XXXX I do not know : asked for contract they said no and demanded a payment in full for {$4600.00} now I keep receiving harassing calls from XXXX XXXX, when I ask to speak with a supervisor he was very rude and continued to harass me
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (NC)

I believe that I am qualified for PSLF but I can't get a final confirmation because my lender has not transferred my loans. I have been waiting 8 months for AIDvantage  to transfer my student loans to XXXX. I initiated the process on XX/XX/year>. I have called AIDadvantage  multiple times, and they tell me XXXX did not do their job. XXXX says that AIDvantage didn't do their job, and I believe them because AIDvantage still has my loans, keeps expecting payments, and has given me XXXX administrative forbearances. Today, I contacted XXXX, and they said the loans had not been transferred, and they requested ( for the third time ) that they be transferred. 

I am frustrated. : (