davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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)

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.

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 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023 Hello, Good Morning, I hope your doing well. 

Request for Immediate Deletion of Charged-Off Account Pursuant to Metro 2 . 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the Metro 2 guidelines. 


According to the Metro 2 guidelines, specifically Section 605, the credit bureau has the ability to delete or update information reported.I have provided it is inaccurate or no longer relevant. I firmly believe that the charged-off accounts mentioned above can be deemed as inaccurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

3. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the Metro 2 guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.
Consumer complaint received 2022-12-08
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: LEXISNEXIS (MD)

Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX Report which is against consumer law 15 U.S.C 1681a ( e ). 
# XXXX was removed from my LexisNexis Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to LexisNexis to provide my XXXX  report to the credit reporting agencies.
Consumer complaint received 2024-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (CA)

I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that MONEYLION INC is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX or XXXX XXXX XXXXXXXX , I'm submitting this complaint along with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (AL)

On XXXX XXXX my check was deposited into my account and on that same date my account was hit 30 times from hellcase for the amount of {$50.00} and once for {$20.00} for the total of {$1500.00}. I called money lion and filed a dispute for each of them and they still have not credited my account back
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (PA)

I noticed in XXXX that my score was raised by at least XXXX points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

After running a free credit report on myself and seeing a one line " lexisnexis '' under a supplemental heading, I requested a full report from LexisNexis to include all information they have on file for me. After receiving a 58 page report that included shockingly personal information ( my collision insurance deductible amount and full amounts of my insurance coverage ; addresses I've never lived at or been associated with ; my mom 's social security number. These are just a few of the things I was shocked to find in this report ). Most concerning was them reporting a XXXX XXXX XXXX for which I had my XXXX XXXX, and was told that after the XXXX XXXX XXXX it wouldn't be available even to law enforcement agencies, yet here it was on this lexisnexis report which had been given to a number of companies ( many of which I don't recognize nor authorized to obtain any information about me ). In spite of my having to provide Lexisnexis proof of my identity to receive this report, when I tried to dispute and complain about this matter, they would not accept it without providing a litany of private documents to supposedly prove my identity ( e.g. rental agreement with landlord ). I am considering contacting an attorney to file a lawsuit against these people for a clear violation of my civil rights and right to privacy.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

I'm not going away!!!!! 

I hope the CFPB will do its job and protect consumers like myself from Banks like Ally, XXXX XXXX, etc. 

Please note that Ally still needs to acknowledge the breach of their promise made on XX/XX/XXXX ( placed me on the do not call list ) by calling me on XX/XX/XXXX. 

Furthermore, I NEVER REQUESTED MY ACCOUNT BE CLOSED. To indicate so is deceitful ; your company closed my account because of your unprofessionalism and pettiness, nothing more. 

PLEASE ALSO NOTE : Ally is being deceitful about offering flexibility in payment options. 

I used to pay via ACH - I had 2-5 checks bounce from two banks due to financial hardship. I communicated my struggles. What was Ally 's response? " You have to have the bank fax us a letter confirming the accounts are open. '' HAVE XXXX XXXX FAX A LETTER lolololololol - impossible! I still tried and failed ; my only recourse after that was to pay via debit card ( late ). There is no logical reason to stop people from paying for their account via debit card if they are serious about past due balances. 

Lastly, I am in the process of filing other complaints against Ally wherever and however I can. I don't have the money to sue, but I can complain and will continue to until my debt is erased because their refusal to work with me to resolve {$3000.00} is unjust. 

PLEASE, CFPB, help the everyday American by holding these greedy corporations accountable. Why was my nearly XXXX credit score ruined by one unfortunate event ( engine failure ) and corporate insolence!!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. XXXX is reporting XXXX Equifax is reporting XXXX. 

Furthermore Equifax is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 my wife 's wallet was stolen. Multiple credit cards were in there, and were used for fraudulent transactions. All other credit card transactions were accepted as fraud by other financial institutions, but Bank Of America is denying my claim ( see attached resolution letters ). 

I reported this through my bank 's mobile app as being fraudulent charges within a couple hours of the fraud. I couldn't mark it immediately as I was in an area with very limited cellular reception. 

After a couple of days, they denied the fraud claim. I called them, I faxed them the police report, and they reopened the case. A week latere, they denied the claim again. 

I have a police report where we reported the theft of the wallet, and even have GPS tracking of our location for that time given we were doing a hike during the time of the transaction. XXXX  : XXXX I suggested sharing this with Bank Of America over the phone, but they were not interested. 

I'm looking for a refund of the fraudulent transaction.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (GA)

I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested XXXX XXXX unlock my XXXX. To date, they have not done so. Father, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

I put my payroll roll check in Arvest atm XXXX XXXX XXXX XXXX XXXX XXXX. Their policy states it will be available the NEXT business day, which would be today. Now Im being told I cant access my funds until Tuesday. This will cause a financial hardship on me, and it will be very hard to catch up on. If they were clear on their rules & regulations I would be in the clear right now. Please help, I really need it.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Dear Nelnet Loan Servicing, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to Nelnet. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of Nelnet with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that Nelnet respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report. 
2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently obtained a copy of my credit report and noticed that XXXX has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.
Consumer complaint received 2023-11-20
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. (FL)

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-04-06
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: Consumer Portfolio Services, Inc. (TX)

Last year, I bought XXXX vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 Portfolio Service I need these inquiries removed from my credit report ASAP. 

Thanks!
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

XXXX XXXX XXXX  - Received notification from the US Department of Education about Borrower Defense Application # : XXXX. I submitted two applications and sent in one via certified mail which was somehow also " lost ''. I am a member of the XXXX XXXX XXXX class action lawsuit and have received physical confirmation that my loans should be void from XXXX  XXXX XXXX. I have yet to see anything in follow-up to this lawsuit to which it states : " The Department will not deny your application without first providing instructions on what is required for a successful application and giving you the opportunity to resubmit your application. '' I am not sure why my loans haven't been dismissed as of yet. Also, I am unable to get any traction from my servicer Navient. They also keep trying to FORCE me into refinancing my loans so they will no longer be federal but privatized which is totally misleading. I want to know where all the money is going if loans aren't actually being written off. I am still incurring interest as my loans sit in forbearance which is negatively affecting my credit score.
Consumer complaint received 2017-04-03
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am XXXX, and in cleaning out my old financial papers, I found I had an unopened envelope from 2000 with an original uncashed check payable to me ( and my son as XXXX ) from Bank of America XXXX, XXXX, NY XXXX, Phone No. XXXX ( since then absorbed by the Bank of America/Merrill Lynch Company ), for {$1000.00} dated XX/XX/2000, and drawn on XXXX, with numbers on the check of XXXX and XXXX, check number XXXX. The check receipt says it is a " cash withdrawal '' and I also recall from numbers on it that it is for a dividend payment to me from a municipal bond interest payment, before those dividends were all transferred to me electronically, from a brokerage firm called XXXX., located in New Jersey where I had an account, and which is no longer in existence but used Bank of America for the financial clearing of its debts. The original address and phone number on the check is no longer valid so I took the stale check and envelope to a local Bank of America bank and asked for a current replacement check for my stale check. No one there, or the phone contacts they called, can tell me how to get a new exchange check for my stale check, as for example the State of Maryland did when I found an old stale refund check from the State of Maryland. Bank of America has had me call BOA customer service on XXXX and I have done so several times and spoken to representatives who take my information but do not call me back. Bank of America got this money in XX/XX/2000 to pay me, and the bank has had it and earned interest on it all this time that I misplaced this check. I want the cash that was deposited with them for me by XXXX., back in XX/XX/2000, but Bank of America or Merrill Lynch will not respond to my request about how to get a new check in exchange for this check that I lost by misplacing it. I can pdf a copy of the check, its payment data, and the envelope.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.