davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (MO)

In accordance with the Fair Credit Reporting act the below mentioned 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. 


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 2022-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (MS)

During the month of XX/XX/2022 Navy Federal Credit Union began to exercise a right of offset on my bank account. However in the state of Mississippi, by law, Navy Federal is required to give me 30 days notice before seizing funds from my bank account. They seized approximately {$2500.00} which was a payday loan check from another creditor. This practice of seizing funds without 30 days notice is illegal in the state of Mississippi. It may also be illegal for Navy Federal to exercise the right of offset for credit card debts if they are a federally chartered bank, which I'm not sure if they are.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing to complain about a collection account that appears on my credit report. The account is for {$610.00}, original creditor XXXX XXXX. 

I have never conducted any business with Portfolio Recovery Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Portfolio Recovery Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Portfolio Recovery Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I actually have several problems with all 3 credit agencys. In XXXX I purchased a home. At that time my credit score was around 620 or 640. Now in XXXX after paying all my bills on time, selling that house and paying all bills off .all credit agencies are showing my score at around 608. How is that possible?

Along with that there are items on my reports that should have dropped off years ago but somehow never go away. 

XXXX XXXX is the worst at being able to get my report or score at all. 

All 3 agencies mis up my brothers information with my information claiming he is either me or I am him. We have the same name almost. I am XXXX XXXX XXXX he is XXXX XXXX XXXX. Both born in XXXX XXXX North Dakota and have similar social security except our last 4. We have also lived together in different places. 

At one point it was so bad we both wrote letters and sent in our ssn card our ids showing we are two separate people etc. we sent them everything they needed but still these problems persist. Please help
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, - : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XXXX at XXXX I was cld by phone by XXXX from from XXXX XXXX for a loan and it was apprvd, he sent a link to my phone to registration and the website looked just like the real one, there a field for bank info and I entered my login and pass to XXXX since he said he was going to make XXXX deposits in my account to verify and I wld get a text msg with a security code, I gave him both codes then I read the last sts mobile deposit made, I immediately logged in to the WF portal I noticed the monies were moved from the accounts and I hung up and urgently cld WF fraud and explained, we chngd user and pass and got new ckng account I was told not to mess w the deposits and they would cancel out after the investigacin. claim XXXX REF # XXXX the account had {$1700.00} but rep said deposit were pending.XXXX the ckng had the rt bal of {$3400.00}. at XXXX I ckd my account it was XXXX now w duplicate charges and deposit all accounts were now negative at XXXX I spk to XXXX rep who by XXXX still didnt have a clear answer the claim # and ref # I gave the rep said were no good since they dont make notes on acct from dept to dept.XXXX XXXX rcvd email that due to all the moving of monies and bounced cks on the acct they froze my acct and I will be dismissed as a client after XXXX loyal, I cld and said I DID NOT MOVE THE MONIES but all were by diff reps and I askd for a mngr told there was none several times until I reached. XXXX who said he was the top mngr of XXXX XXXX XXXX  REF # XXXX he went ckd each acct and by XXXX and XXXX questions I was told the acct wld be fixed again and monies put back, The bal was to be {$180000.00} at XXXX the account was NOT fixed but now close to XXXX XXXX all the deposits and monies moved in add to the other XXXX accounts now being negative.I cld and was very rudely told that there was nothing lft to do and it cld take XXXX I broke out in tears I am a single mother of XXXX I have no cash no way to get any money due to neg bal and acct frozen. I am out in XXXX I had no help nor answers from XXXX days XXXX and wasted hrs on the phone. This is the worst exp I have EVER had.I hope this email reaches someone that has some empathy and can help make the situation right and I can get access to the bal that is due. Respectfully
Consumer complaint received 2023-05-24
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. (CT)

Upon receiving my credit report from all three bureaus, including XXXX, Equifax and XXXX I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, Equifax and XXXX to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I called to get my full loan amount as I had been saving money, transferred it all to my bank account, and was ready to pay off my loan ( yay! ) Mohelo said they had just started a transfer of my loan to XXXX. They advised that they can not tell me my full loan amount to payoff and that I should wait 90 days to pay XXXX instead. They clarified at my questioning that I would be accruing interest over the 90 days it will take to transfer my loan over. 

The advised the risk of paying off my loan now is that since it is not the full amount I will still have loan due to XXXX in the future. 

I did opt to pay the XX/XX/XXXX ( yesterday ) payoff amount that I can see on the website. I anticipate that this may cause problems moving forward. 

I am financially literate and am VERY concerned that this is the advice they are giving people.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing to complain about three collection accounts that appear on my credit report. The accounts are : Midland Credit Management : {$330.00}, original creditor XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX : {$610.00}, original creditor XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$1100.00}, original creditor XXXX XXXX I have never conducted any business with any of these debt collectors, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of these collection accounts when I recently checked my credit report. I have never received any bills or correspondence from any of these debt XXXX, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from any of these debt collectors. Therefore, I believe that they are illegally reporting these debts to my credit report. 

I demand that you immediately remove these collection accounts from my credit report. I also demand that you send me debt validation letters for each of these accounts. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (WA)

Around XX/XX/XXXX, I called Truist Bank with concerns about suspicious charges on my checking account. I asked for a temporary hold to be placed on my account, as this was sorted out. Truist added the block to my account. This block was my idea, however, I was clear in that I wanted the block to be temporary and wanted the ability to transfer money internally between accounts. 

On XX/XX/XXXX, I call Truist to ask for the block to be lifted so that I can use the account to pay rent. I had to use XXXX to send the money, and this was the only account that could use it. The savings account, which is unblocked, can not use XXXX, but the checking account would be able to if Truist would unblock the account. I am also unable to send money between my savings and checking accounts. 

Truist refused to unblock saying that can not do so, and that my {$10000.00} is now inaccessible to me and only available at their discretion. They said they have no protocol or department to assist me and that I can not access my money. They also said they could not guarantee they would give me my money. 

This is theft. I need this money for my expenses, and denying me access to my own money without just cause is unjustifiable. This is criminal. 

I would greatly appreciate any help that you can provide, and I am happy to provide more details as needed.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I made a payment late. When I received my next bill it was paid in full but I had a late charge and interest. I asked them to waive the late fee. They did not and when I received my next bill it had more interest and another late fee. I called and they said they are allowed to continue charging me late fees and interest on late fees even though I paid my balance in full. I disagreed and they said I signed a contract that gave them permission to do that. I asked them to send me a copy. I have not received it.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PRA is claiming to have personal records of mine which I never granted. I as a consumer in law have a right to privacy and as such I never gave my consent for PRA to have access to my personal information if indeed they have it, they have under false pretenses. Please note I will hold PRA liable for aggravated identity theft if they continue to use my information without my consent under false pretenses.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (PA)

I have checked over my Credit Report and Noticed some Incorrect information on it. 

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.

Account name : XXXX XXXX XXXX in the amount of {$870.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

these are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-05-24
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/2022
Consumer complaint received 2023-05-24
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. (NY)

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 U.S.C 1681. ACCT Name : 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 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 2017-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I submitted disputes on my credit report with XXXX, XXXX and Experian onXX/XX/XXXX. I  included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Consumer complaint received 2023-05-15
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IA)

I currently have student loans with EdFinancial. They erroneously reported to the National Student Loan Database that I am in student loan default. This was reported to my schools financial aid department and now I am unable to get student loans and it has negatively affected my credit. EdFinancial admitted this was an error on their end and that they would send a letter to the NSLD and the financial aid department within 7 business days. This did not happen and they are now stating it will be 40 business days before they can draft a letter stating this is an error on their end. This is negatively impacting my life in every aspect.