davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2023-09-10
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. (GA)

Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me.

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-10
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. (CA)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 an 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 2023-09-10
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. (CA)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 an 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 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

Called on XX/XX/23 to change my payment plan from the standard plan to a graduated repayment plan. Call was cut off after a few minutes of talking to the agent. 

Called again and waited in queue. XXXX confirmed that my plan had been switched over and that I would see this updated on the website and by mail within 10 days. 

It has now been 16 days ( 11 business days ) and nothing has changed. I have tried calling twice and left a call back number after joining the queue. Both times the call connected then quickly got cut off. The live chat on your website has not been working for weeks. It is pointless trying to send an email as you claim that it will take 4-5 business days just for a response. 

Interest has started accruing on my loans, yet I can not even get in contact with anyone to get my issue resolved.
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NJ)

I would like to cancel re certifying my income as recertifying isnt due until XX/XX/XXXX. I would like to remain on my old income driven plan of XXXX with a monthly payment of {$240.00} based on my income in XXXX. MOHELA has already updated my plan to SAVE after re certifying income but I would like to CANCEL and go back to PAYE per my old salary. I was lead to believe I had toner certify income in XX/XX/XXXX before payments re started in XX/XX/XXXX 2023
Consumer complaint received 2023-09-10
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: SYNCHRONY FINANCIAL (MA)

I have been trying to resolve fraudulent charges on my Paypal account since the beginning of this year. I filed a police report for {$7500.00}. I am enclosing a copy. 
There was a credit on my account for XXXX and XX/XX/2023. ( balance XXXX ) In XXXX the credit was reversed showing a balance of {$6300.00} due. This has continued although I have spoken with them to tell them the charges are fraudulent. None of the charge locations which I have bought anything from. 
The current balance with interest charges and late fees is now {$12000.00}. Copy enclosed. 
Credit was refused because I have a Paypal card mailed to my house. 
I am a retired XXXX XXXX XXXX and do not have the money or should I have to pay the money for things I did not charge. 
Please help me get a credit in any way possible. 
Thank you. XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MS)

n accordance with the fair credit reporting act, ( XXXX XXXX Account # XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to resolve this problem with Trans Union, XXXX, and CFPB Complaint ID XXXX. I thought the issue was resolved, only to find that XXXX has again filed that I am delinquent on my credit report as of XXXX, which makes me now 120 days late on a XXXX balance. I'm frustrated and don't know what to do. Please help me this time.
Consumer complaint received 2023-06-09
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-11
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-10
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: TD BANK US HOLDING COMPANY (SC)

Unauthorized Hard Inquiries from : XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Target Fin/TD XX/XX/202XXXX XXXX XXXX  XX/XX/2022 2022
Consumer complaint received 2023-09-10
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. (NY)

Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

3 remaining Unauthorized charge disputes were handled poorly and the bank did not follow federal guidelines and retaliated against me for challenging their decision. 

Bank of America failed to properly evaluate documentation received from the merchant. 
Bank of America closed the 3 disputes before I was given the opportunity to submit my documentation or review the merchants documentation. 
The merchant did not provide documentation showing my claim disputes. And documentation showed someone elses card number which was not part of my dispute. 

I sent documentation into the claims department via XXXX XXXX and the 3 claims were never reopened. 

Bank of America led me to believe that my disputes were being evaluated at the bank but was advised disputes were sent into visa /mc to investigate ( Charge Dispute ) however the bank did not follow Charge dispute protocol. 
The 3 dispute claims were closed because of the length of time taken to investigation so that they stayed within federal guidelines and not because the investigation was completed properly. 

I was never given a fair dispute process and Bank of America took steps to see that I wasnt given an fair opportunity by avoiding and not returning my phone calls or emails and sending documentation out late or not at all. And using mailing time to count against deadline dates. 
Bank of America retaliated against me because I challenged their negligence and unfair process of my disputes and reported a balance owed to XXXX for account abuse and then lied to me stating my account was closed while a dispute was still in process and told me it was computer generated but records show it was forced closed and account abuse was reported to XXXX and this was not done by computer. 

Last two account statements clearly show {$0.00} balance indicating no balance owed. 
No documentation from the merchant showed my disputes or showed I was their on the XXXX or that I received services on the XXXX .we did not stay at the location on the XXXX and these charges are indicated that the purchase happened on the XXXX.
Consumer complaint received 2023-09-10
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have mortgage with Nationstar mortgage and I applied for a loan modification. Nationstar denied my modification. However in the letter it stated that I have a right to access the documents relied upon in this investigation ... I made the request but was denied. I was not reviewed for HAMP
Consumer complaint received 2023-09-10
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (IN)

I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/2022 my property was stolen from my vehicle. This included my phone, wallet, and gym clothes. My sons mother witnessed the theft and filled out a police report with the XXXX XXXX police department in XXXX Louisiana. ( Report # XXXX ). My phone is set to stay unlocked in my vehicle which gave the thief unauthorized access to a few of my online accounts. In addition the thief had my wallet which contained my regions bank debit and credit cards. Subsequently this person, maxed out my credit cards and cleaned out my bank account. The person was obviously skilled because they did it in a matter of moments while maintaining a relatively close distance to my vehicle while doing so. As a result, I myself also filled out a police report to document the fraudulent charges and report my items stolen personally. This report was also filed with the XXXX XXXX police department in XXXX Louisiana. Report # XXXX. I received an email on my desktop alerting me of a large cash app transaction. I immediately responded that it was not me who made the charge. At which point my debit card was deactivated and I made my way to the bank. I was told I had to wait until after that charge had finalized to file a dispute. So I did as they instructed me. When I filed a dispute, I told the banker at the branch that there was police report associated with this claim. 10 days later, I was told my claim was denied, but that they had no information about a police report on file so I gave them the information again they re-opened it only to deny it again. With the reason stated that because I had use cash app in the past they would not approve my claim. However, had the investigator even taken the time to read the reports they would know exactly how this transpired. This person stole my social security XXXX check and I am the only person who will suffer as a result of the poor investigative skills and lazy handling of the investigators with REGIONS BANK. Who saw fit to deny my claim with 2 separate police reports documenting the situation.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (CA)

I have tried to resolve this problem with XXXX XXXX, XXXX, and CFPB Complaint ID XXXX. I thought the issue was resolved, only to find that XXXX has again filed that I am delinquent on my credit report as of XXXX, which makes me now 120 days late on a XXXX balance. I'm frustrated and don't know what to do. Please help me this time.
Consumer complaint received 2023-10-11
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. (TX)

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Consumer complaint received 2023-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Consumer complaint received 2023-09-10
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. (NY)

Reporting act ( XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.