davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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)

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-29
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?
Consumer complaint received 2023-04-13
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. (SC)

XXXX. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right 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.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/XXXX  Dear Gentle Person, Hope you are well. Here is the credit card violation by Sychrony Bank credit supplier of Walmart : 1. I bought a TV in   XXXX    on an interest free for a year program ' 2. I paid extra each month almost to pay off before time period 3. 18 months later they charged me {$360.00} in interest & said it was for TV 4.On  XX/XX/XXXX  I got customer service & had to ask for Service Manager 5. I got  XXXX  at ext  XXXX  6. She told me I had to ask the money to be allocated for TV each month I stated no one stated such a thing or provided a document stating such a thing at Walmart or Sams 7. She stated thats their job not the banks 8. I stated that 's not correct you are the credit provider it must according to consumer law be done at the time of purchase disclosed all terms in writing & this was not done & is not being done at all 9. She then checked my account & stated she would allocate the extra money I paid & pay for TV I should see the refund by Thursday  XX/XX/XXXX  10. I did not see it 11. I called again after 25 min on the phone they stated it was being worked This is the big picture neither Walmart the seller or Sychrony bank is telling the buyers they have to call & allocate the funds specifically the item they are buying on the interest free program & thousands of Walmart customers or Sam 's do not knowing & are getting stuck with huge interest bills after paying extra to pay an item off.
<P/>
Thousands of consumers are getting hoodwinked by not getting told verbally or in writing this important fact. False advertising & consumer fraud it appears is going on here.
<P/>
Thank You   XXXX   XXXX   XXXX
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

On  XX/XX/XXXX  I received a response from Bayview Loan Servicers in reference to an Earlier complaint that was filed. The complaint was to resolve 3 issues that Bayview FAILS to correct. Is my next step to sue Bayview Loan Servicer for failure to correct my credit report and provide a mortgage modification per the RULES of FHA and the CFPB.
        1. Bayview claims to be Servicing the mortgage from   XXXX   as of  XX/XX/XXXX . The servicing transfer notice was not sent out until XX/XX/XXXX . This is a violation of RESPA.
The Respa disclosure reads a borrower must be notified within 15 days prior to the servicing transfer - NOT 12 days after.
 XXXX 
2. Bayview fails to remove Me ....   XXXX   XXXX   from the loan, even after providing the proof from  XXXX  dated  XX/XX/XXXX . this is a Violation.
 XXXX 
3. Bayview continues to claim the loan was not modified by  XXXX  yet the documentation provided in the Verification of Mortgage on XX/XX/XXXX  from   XXXX   shows different. This is another violation of CFPB rules.
 XXXX 
4. My mothers name is the ONLY name that should be on this loan again provided are the documents from  XXXX .
 XXXX 
5. Also provided in the modification dated  XX/XX/XXXX provided by Bayview that and emails from   XXXX   XXXX   as confirmation that Bayview will credit all the insurance costs, correct the name error, and provide a new modified loan under the HAMP program.
This was not done yet again.
 XXXX 
Bayview continues the foreclosure process, while Bayview has failed to provide correct information on the new modification. How can a mortgage company foreclose on a home if they are failing to correct the loan and modification.
Consumer complaint received 2022-11-29
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-17
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)

Account # XXXX opened-XX/XX/2022 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I
sent in a payment of {$630.00} to my TD Ameritrade credit card on  XXXX / XXXX /2017. The check cleared on  XXXX / XXXX /2017. The payment never posted to my TD account, so I called card services to explain the issue. They told me to fax   them a copy of the check. I did this, and called them twice or so weekly for a month or two until they told me to send it again. I sent it again, did the same thing for a month or two, then I got a letter telling me to mail in the copy of the check because they " did n't have enough information '' ( even though I provided them with every bit of information they requested from me ). After mailing it in, an calling multiple times per week for a month or so, they finally confirmed that they have the copy of the check.
They say that even though I provided them proof that I payed them, that they can not locate the check, and continuously tell me to call again later/re-send in the copy of the check.
I have provided this company proof that I sent the check to them, and that they cashed it, but they continue to not post the payment to my account, which has been accumulating interest fees and late fees for 7 months now. They tell me that if they mistake s on their end that they will reimburse the fees and fix my credit score, but they have zero effort to do so. It is well past the point of negligence on their part.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I sent a personal letter to Equifax to review my file for bankruptcy  XXXX . I advised them that the information was incorrect and asked that they verify for correctness. I received a letter f rom Equifax statin g that they verified this information from  XXXX . I also sent another letter stating that  XXXX  sent me a letter stating that I have a Security Freeze on my file that is kept under my personal social security number. I sent them ( Equifax ) confirmation of this letter stating that my   XXXX   account is indeed frozen and it is not true that they verified anything. I called  XXXX  as well and spoke to a representative and she verified that the information Equifax provided me is most definitely inaccurate. I am very bothered that Equifax would willingly report this inaccurate information on my credit file. At no time have I authorized  XXXX  to release any information pertaining to myself to allegedly " verify '' anything. I have not been subpoenaed by any courts to release any information pertaining to myself either. However, no one has a sworn testimony to verifying this information. Confirmation of correctness, truth or authority of a pleading, account or other paper by an affidavit, oath or disposition.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . ; and   XXXX   XXXX   XXXX   XXXX   XXXX  . ( c.c )   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  .
Consumer complaint received 2023-02-02
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: Oliver Adjustment Co. (FL)

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. 
Convergent Account # XXXX XXXXXXXX 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 XXXXXXXX XXXX 
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 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am writing this email to express my profound discontent with how XXXX XXXX XXXX is handling the public service loan forgiveness program. 

Today ( XX/XX/XXXX ) I was informed that I do not qualify for PSLF because my loans are FFELP loans. This information was provided to me after calling in because I received a vague notice informing me that my employment certification was denied, without the reason why. 

Today was the 6 time this year that I called XXXX XXXX XXXX   regarding PSLF. Years ago I had also contacted them regarding PSLF and I was never told that my loans were FFELP loans. Additionally, my loan servicer AES never told me that my loans are FFELP loans even after I called them to be placed on an income driven repayment plan for PSLF years ago. Furthermore, under the loan detail section of their website for my loans it does NOT say the type of loan that I have, whether direct or FFELP. Instead of the information of the loan type being available on the website, what is available is the loan program ( Subsized consolidation loan ). 

The representative from XXXX XXXX XXXX said that I would have to consolidate my loans which would have be eligible since XX/XX/XXXX if it weren't for their loan type and the fact that eventhough I called in several times over the years to both XXXX XXXX XXXX and AES I was never told my loan type of FFELP did not qualify. 

My plan was to apply for the Temporary expanded public service loan forgiveness since I had been on the graduate extended repayment plan for the majority of my loan payment and 2 years on the standard plan. 

I find it unfair and unjust to not have my employment certification form denied only because of the loan type, especially when it can be converted into a direct loan by consolidation. The problem here is that consolidation erases the 10 years of payments.
Consumer complaint received 2024-03-17
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)

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (MI)

Chime Bank allowed unauthorized user to transfer my funds to an unknown account via XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX but I definitely I'm XXXX XXXX not whoever this XXXX XXXX person is not authorized to transfer my funds of XXXX was disputed I was told no error happened by chime dispute department also I'm XXXX XXXX statement backed and have a fee schedule for all unauthorized charges of XXXX pursuant to XXXX XXXX  statement I have full faith in credit also I had been over XXXX dollars at XXXX XXXX I also was treated unfairly when disputed 18 U.S. Code 287 - False, fictitious or fraudulent claims
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (TX)

Experian is posting accuracies on my credit report and legally MUST be removed. I have attached a copy of my credit report, the exact disputes needed to be removed as they are unverifiable, and the last piece is that these accounts are in violation to FCRA.