davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I am the executor of my mother 's estate. She had a credit card with Truist Bank ( formerly SunTrust ) and I have been trying since XXXX to have the credit balance in the amount of {$210.00} refunded. I have tried calling the numbers on her statement and provided my qualifications papers several times but continually get transferred and passed around or no one can locate the information that i uploaded. 
I have been to my local branch multiple time. The first time a young lady assisted and told me a check would be mailed to my address. I waited over 30 days and nothing arrived! I received notifications of change of address but no overpayment check. I again went to the branch and spoke with another person in XXXX. I had to provide my paperwork all over again. This gentleman contacted the credit department and told me a check would be mailed and I would receive it by XX/XX/XXXX at the latest. I have still not received the check. When I have attempted to contact the branch person again I get not response! He has gone dark on me. This whole experience has been so aggravating and frustrating and I am at a loss as to how to get it resolved other than filing a complaint.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Late payments on this account should have been reported XXXX current under 15 U.S.C. 1681s-2. A forbearance for the XXXX payment was entered into with XXXX, which put the payment at the end of the loanXXXX Other special accommodation was enters as well for a moved payment from XX/XX/XXXX to XXXX, as agreed on XX/XX/XXXX On XX/XX/XXXX, the XXXX signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the XXXX pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by XXXX who have requested accommodations during the covered period of the XXXX pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents XXXX outbreak national emergency proclamation.CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


I was current as of XX/XX/XXXX, all payments were caught up. The account was not in charge off status. 

All periods of lates fall under the accommodation period because the forbearance added a payment to the end of the loan. 

Further, multiple times the loan had an accommodations due to financial hardship from covid- I lost my entire business starting in XXXX of XXXX. 

There are 19 violations of late payments that disregard the CARES Act Reporting. 

I have tried in XX/XX/XXXX to have the credit bureaus and this company remove the late payments under the 15 U.S.C. 1681s cares Act updates to FCRA. I also tried in XX/XX/XXXX and XX/XX/XXXX. 

I have continued to be financially harmed by this negative account that is in direct violation of Federal Law CARES Act under Section 4021 of the CARES Act amends the FCRA Section 623 L15 U.S.C. 1681s-2
Consumer complaint received 2023-01-02
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: 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. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 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 cost to believe that the information is inaccurate.
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. (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 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX/XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have 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 2023-01-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Equifax stated they did not have information to take off the XXXX/XXXX  XXXX  inquiry off credit report. That was of a result of an attempted identity theft. There is a police report with the XXXX XXXX XXXX, it is report to FTC, and internet crime compliant center.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (IL)

Credit Managment Company is harassing and trying to collect a Debt that is already paid. This account is Already prepaid and was paid to the bearer ( XXXX ). under the UCC 3-603 UCC 3-104 UCC 3-306 without recourse XXXX in the amount of XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX. so double the amount was paid, by it already being prepaid that All Accounts are prepaid. CMC illegally obtained my Social security number without my consent in violation of 18 USC section 1028 ( buying and use of social security number ). XXXX sold my social security number to XXXX, without my consent. in which is a violation of 15 U.S.C section A section 2 states i have a right to privacy.
Consumer complaint received 2023-05-25
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. (TN)

I WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

Professional Placement Services is reporting at least XXXX separate debts ( {$65.00} and {$61.00} ) on my credit report that I am disputing. 

I called and they said I have XXXX accounts in their office, with these 'client reference numbers ' XXXX XXXX XXXX The company may note that all of these debts are disputed and that I'm requesting that they cease all collection efforts.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX These addresses do not belong on my credit report.
Consumer complaint received 2023-05-25
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)

I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and Equifax. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX.
Consumer complaint received 2023-05-25
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. (GA)

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. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX # xxxxxx XXXX XXXX XXXXXXXX XXXX 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 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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The furnisher for this auto loan did not notate this account as disputed as required whenever an account is disputed. Disputed information can not be reported by Equifax if it is not notated as disputed by furnisher.
Consumer complaint received 2023-05-25
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$3100.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$3800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (IL)

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. 

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, 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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to my recent credit report request from XXXX, XXXX, and Experian and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX  ACCOUNT XXXX XXXXXXXX WAS NEVER LATE ON THIS ACCOUNT AND XXXX XXXX XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX Account number : XXXX Account type : Child Support Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED PLEASE REMOVE DEPT OF CHILD SUPPORT WAS NEVER LATE AND THIS IS UNVERIFIED
Consumer complaint received 2023-06-24
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. (DC)

I recently sent out a letter to request the description of the procedure used to determine the accuracy and completeness of the accounts in dispute below. The letter was mailed out XX/XX/2023 I still have yet to receive a reply from you or anything from your company to let me know the results of my dispute/request. It has been just shy of 60 days since mailing my request. 15 usc 1681i ( 7 ) states that you have 15 days to provide the description after you received the request. With that said you are currently in violation. As a consumer I have the right to request this information in connection with 15 usc 1681i ( 6 ) ( B ) ( iii ). In the previous letter I sent, it states my reason for disputing the items.

Below you will find the items listed again and I am requesting that yall reply within 5 calendar days.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (RI)

I XX/XX/XXXX, I mailed a written letter in a certified mailed receipt with signature requesting requesting a debit verification to National Credit System. As of XX/XX/XXXX National Credit System has not response. I just receive a XXXX notice from National Credit System stated that I have not reach out to them threatening to report on my and my son XXXX XXXX credit report. I had file a complaint to the Attorney General office regarding this issue. 

I have the proof and tracking from United State Postal Service. 

National System INC has violation the FDCPA for debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I am having issue attaching it to this compliant but i emailed to whomever is handling this matter
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I have 4 Private loans with Navient from the XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loans via XXXX XXXX. Navient provided me with an application to have my private loans discharged. I submitted the application and it was denied. I submitted again with additional information and it was denied. I asked both times for a specific reason and they have not provided one. They only say it was " denied ''. I believe I have a right to know how this could possibly be denied? 
I have been paying these loans for 15 years now and have paid off -52 % -- yes NEGATIVE!
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I subtmited a claim dispute with my bank, US BANK on XX/XX/XXXX, the bank gave me a provisional credit. 
on XX/XX/XXXX, I received several letters ( one for each transaction ) requesting more information and send back a document with some questions. 
On the letter they said they need the information before XX/XX/XXXX, but the letter was received on XX/XX/XXXX. The letters were sent to the bank by fax on XXXX XXXX, the day after were received. 
After a few days the bank reversed the provitional credit and " closed '' the claims. 
I called to know more about this, and they told me that someone in charge will contact me. 
Until today nobody has contacted me, I gave all the information was requested by the bank, during my call and during the claim oppening I told the teller I dont live in the XXXX XXXX my phone doesnt work always.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NJ)

This is additional information for complaint number XXXX. 

I called American Express and spoke with employee " XXXX '' Employee ID XXXX who confirmed that I do not have any active accounts with American Express. She verified that the AMEX account in my zip code XXXX with the last 4 digits matching my social security number belongs to another person, and there are no accounts with AMEX under my name and complete social security number. 

With this minimal information, " XXXX XXXX XXXX '' assumed that the account they are trying to collect belongs to me, and it does not. Additionally, " XXXX XXXX XXXX '' did not ever nor has American Express ever sent anything in writing to validate their claim that I owe them anything.