davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
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)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my victimization in the Equifax data breach that occurred in XXXX. I would like to express my deep concern and frustration with Equifax 's negligence in safeguarding my private information, which has resulted in significant financial and personal repercussions. 

In XXXX, my personal information was compromised due to the Equifax data breach, during which my sensitive data was hacked and used without my consent. This breach of security had far-reaching consequences as the perpetrators exploited my personal information to open bank accounts and obtain credit in my name. As a result of this breach and Equifax 's failure to protect my data adequately, I have endured severe setbacks that have persisted for years. 

To address the ongoing issues arising from the breach, I promptly took steps to protect my financial well-being. I placed a credit freeze on my credit reports and initiated the lengthy process of disputing and rectifying fraudulent accounts and activities that were attributed to me. These actions have been time-consuming and emotionally taxing, requiring countless hours of effort to clear my name and reestablish my financial stability. 

Furthermore, I submitted a XXXX XXXX XXXX form provided by Equifax to quantify the losses I incurred as a direct result of their negligence. The losses I suffered due to the breach amounted to a total of {$12000.00}. Despite providing all the necessary documentation and information, Equifax has failed to respond adequately to my claim. They have not issued a settlement check or even attempted to reach out to me for further clarification or resolution. 

This disregard for my legitimate claim and the ongoing issues stemming from the data breach have caused me considerable distress and financial hardship. Equifax 's failure to address these matters appropriately has further exacerbated the negative impact on my life, making it even more challenging to regain my financial footing. 

I am seeking the assistance of the CFPB to hold Equifax accountable for their negligence, lax data security practices, and lack of responsiveness in addressing the issues arising from the data breach. I kindly request that you investigate this matter thoroughly and take any necessary actions to ensure that Equifax fulfills its obligations to me and other affected consumers. 

Thank you for your attention to this serious matter. I eagerly await your response and any assistance you can provide in resolving this grievance
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

I went to a school in XXXX XXXX  and College name was XXXX XXXX. This School lied to me. The have me a 15 day grace period to decide if I wants to go this school. And by doing thats they made everything look and sound good. But had I known that the instructors and the head supervisor werent properly certified according to the state of XXXX  I would have never went to this school. No did I graduate from this coarse which was 9 months long yes I did. But that was because I had no choice after I had signed the papers. The school lied about the credentials the teachers who taught the coarse etc, I wan to be removed from paying this loan back because this school was know for being untruthful in the past. And shouldnt have been operating in the first place. And how I had found out about the non state certified teachers was because the school started to mess with there pay so they started telling the truth about the school. 2 of the instructors worked for XXXX XXXX and the head guy who name was XXXX was just in the field for a long time and he wasnt even certified by the state of XXXX. XXXX and a half later the school was still taking on people for the XXXXXXXX XXXX XXXX coarse and the shut the school down without notice. There is no way to get info for this school to accommodate my truths. But this loan speaks for itself. I should have to pay this loan back when I was lied to and manipulated by the staff and the school itself. Please help me or point me in the right direction.
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: EQUIFAX, INC. (GA)

On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with Equifax, XXXX, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.
Consumer complaint received 2023-06-03
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. (NM)

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. 

The letters are stated with items and issues. 

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 XXXX 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 2023-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Newport Intermediate Inc. (TX)

I have 2 {$100.00} gift cards XXXX XXXX Both cards have expired when I called to have the cards reissued the company advised they wont reissue the cards since they have expired and will keep the money
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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  Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

InXX/XX/XXXX i received notice through my XXXX  app tht my credit score was decreased XXXX points due to a collection and i was furious.i looked at my app and it said ther was a collection from dynamic solutions and i called them to verify the debt and they could not. they said they could not find me in their system on a recorded line. i then said so its safe to say you guys dont have me in there because thats not my debt and the information is incorrect and they said yes. So i called XXXX and disputed it. ALSO NOONE EVER CALLED ME TO TELL ME I HAD A SUPPOSED DEBT OR SEND ME A LETTER ABOUT IT OR TELL ME HOW TO GET RID OF IT EXCEPT THAT THEY WILL HANDLE IT.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I have a Ashley Store Card with Synchrony Bank.I have minimum payment of {$36.00} made on XX/XX/XXXX but my payment date on XX/XX/XXXX they charge me a late fee of of {$30.00} with no grace period but waive {$30.00} but still have to pay {$67.00} on XX/XX/XXXX instead paying the minimum.I cant afford to paid the {$67.00} only can paid the minimum so going to charge another late fee where I be in default.Seen to me Synchrony Bank price gouging.This to me illegal seem to me there so be a grace period put in place.Should file a lawsuit.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The company requested my bank to file a dispute with XXXX XXXXXXXX XXXX, however my bank has already filed a complaint and tried to get funds back in XX/XX/2023. Capitol one denied their request and my bank is not able to file another dispute. I have attached both letters response. One from my bank and another from Capitol One
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP (MN)

Picked my bank card chip key bank XXXX XXXX XXXX XXXX XXXX witnessed XXXX at XXXX yesterday old XXXX XXXX threw XXXX XXXX XXXX thru my hse wall XXXX  XXXX at XXXX on the floor XXXX XXXX hse XXXX  XXXX XXXX XXXX wa XXXX XXXX XXXX divorce XXXX irrevocable broken marriage vow
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 — Information belongs to someone else
Company: NCB Management Services Inc. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, NCB Management, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Consumer complaint received 2023-02-11
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. (GA)

Bankruptcy XXXX XXXXXXXXdismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
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: AFNI INC. (PA)

To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : AFNI , INC . This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AZ)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-04-17
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. (FL)

I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.
Consumer complaint received 2018-03-21
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. (GA)

I have disputed by mail, phone, and online the inaccurate bankruptcy information on my credit report. I was advised the bankruptcy would be deleted however, it remains listed on my credit report.
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I obtained a citizens line of credit for a XXXX security system. The line of credit has an automatic payment option. My debit card was compromised so I made a payment over the phone then on the companys website updated my autopay with new card. I received a phone call from their company saying that I had over due payments. This obviously occurred late fees penalties and a false negative on my credit report. The representative of the company citizens pay state that automatic payments are not automatic and that individual transactions must be authorized each time and automatic payments are not automatic. This is absolutely alarming and to me feel absolutely scammed and mislead into believing something is automatically being drafted when it is not. The citizens pay contacted me today after the bill was over two months behind. They admitted over the phone that yes I did in fact update my information as I stated. Please help with these fraudulent practices and help me resolve the issue I am having. Thank you so much
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have inquiries on my transUnion, XXXX, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Consumer complaint received 2024-03-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-17
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. (MI)

This is my fourth 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 XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act Experian, XXXX, XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of XXXX XXXX. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, Experian is reporting XXXX XXXX XXXXXXXX XXXX Accounts charge off accounts and the collection agency XXXX XXXX I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX XXXXXXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX.