davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA opened a fraudulent checking account under my name. I recieved a letter from their representative XXXX XXXX who authorized the identity theft fraud. 

Now Ihave a bad report from my consumer services report that they never fixed.
Consumer complaint received 2021-12-19
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NY)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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: EQUIFAX, INC. (CA)

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute inaccurate information reported on my Experian credit report by XXXX XXXX. The account in question, account number XXXX, does not belong to me and is incorrectly attributed to my credit history. This is not being reported on XXXX or XXXX, only Experian. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. 
Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX XXXX, report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-02
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 XXXX XXXX # XXXX Account Name : 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
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX On this paid-off account, I never had a late payment. If you want to correct the false information you've given about my account, please provide me with proof of a transaction proving I've ever been late. Please remove these purported late payments from my credit record in accordance with USC 15 1666B if you are unable to provide this.1681s-2 says is you have reason to belive this info is false you must remove it
Consumer complaint received 2021-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX I contacted the Department of Education looking for loan documentation on XXXX Educational services/XXXX XXXX i was given the number to Navient. I have had several complaints to the CFPB. The last complaint I was sent loan document issued from XXXX educational services I believe XX/XX/XXXX I asked for proof of disbursement in the complaint that were not sent. Through Navient I was sent to XXXX another one of Navient 's companies. XXXX sent documentation of an investigation done by the ombudsman with the Department of Education indicating a transaction history of 1. a reimbursement by the Department XX/XX/XXXX, XXXX.and that would include disbursements ( canceled checks ) in proof tht loans existed. 
When I spoke with Navient in XX/XX/XXXX they said that I did not have federal loans I had private. Spoke with the private loan department and XXXX XXXX loans were on their system. So why is Navient looking at the NSLDS which are federal loans data system with those loans as private on their system.and why haven't they corrected the issue. I have two loans that were with National Education now with Navient why Navient? Because Navient services XXXX XXXX? XXXXXXXX XXXX loans. 
Now I asked for a total and permanent disability discharge that was processed through MInnesota life claims department I don't believe those loans are even owed they were canceled same as XXXX XXXX. Please note the corresposndence by XXXX ( Navient )
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

In XXXX, I opened 8 cases with PayPal about unauthorized charges totaling {$400.00} which were rejected by my linked credit cards and as a result my PayPal account was overdrawn by - {$400.00}. I then received a deposit of {$200.00} which was absorbed. I called every week about the status of the 8 cases and was told I had to wait 90 days for resolution then I was told PayPal was waiting for the credit card companies to respond confirming that the activity was fraudulent. I was assured that the balance would NOT go to collections. The next day I literally received a notice of collections. As of today the cases have been closed with no resolution and turned over to collections. I URGENTLY NEED HELP RESOLVING AND GETTING MY {$200.00} back. I will send a demand letter and cc the federal trade commission too. I will also start to gather social media complaints and notify the media to spread my concerns about PayPal. Something is very wrong.
Consumer complaint received 2023-03-02
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. (TX)

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, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (AZ)

Hello, On XX/XX/2021 my fiance, XXXX XXXX, and I bought our first house through Amerifirst Bank with a lender named XXXX XXXX XXXX. If due diligence was done the house would have never passed the safety standards of a FHA loan. One-third of the house was illegally built. That section of the house is so fragile that a structural engineer informed us that the master bedroom, bathroom, and closet could collapse during a storm. We have had to replace every major system in the house, including the entire drainage lines leading to the city, the the supply lines, the electrical, and we had to repair the HVAC. Parts of the roof are unstable as well. It also had mold. I later on got XXXX XXXX. This house is more then a money pit, it is a safety liability. As a seasoned lender he should have reviewed the documents and denied the loan on the house. He also didn't review county images which show that the addition does not exist in any official record and was built without permits or due diligence. I attached a document with the time line of events and the list of repairs that have to be made.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (GA)

THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS : XXXX XXXX  {$150.00} XX/XX/2021. XXXX {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021. XXXX  XXXX XXXX {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES : XXXX. ADDRESSES : XXXX XXXX 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 2023-03-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-03-01
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. 

XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX XXXXDEPT OF ED # XXXX, XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, and XXXX XXXX XXXX/ XXXX XXXX # XXXX, 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 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

I had a charge for a little over {$9800.00} which was assigned to a city flex pay plan with a locked interest rate of 9.9 %. I then did a balance transfer for a little over {$5000.00} which was at an introductory rate of 2.9 % which expired XX/XX/23 and was to be prime plus 15+ % interest, or nearly 3 times the interest for the flex plan after XX/XX/23. 
On XX/XX/23, after the expiration of the introductory rate, I made a payment of over {$6000.00}, enough to pay off the balance transfer amount as well as make the minimum payments on the other flex plans. The funds were actually removed from my bank on XX/XX/23, when the payment was finalized. On that day, XX/XX/23, I received an email ( attached ) from Citicards that I had paid off the flex plan at 9.9 % interest rate, meaning that they had not applied the payment to the higher 24.4 % interest balance for the balance transfer. I called the company and spoke to 2 agents and a supervisor ( XXXX ). They informed me that the issue with how the payment was applied was because the company 's computer system hadn't updated on XXXX, and so the computer had applied the payment incorrectly. They assured me that the issue would be corrected and to give them 10 business days to correct it. They placed a referral to the " back office '' to get the 9.9 % interest rate reinstated. I was told I would be notified once the interest rate had been corrected. 

However, this morning ( XX/XX/23 ) I called and spoke with another supervisor, XXXX, who informed me that the referral to correct the interest rate had been denied and that the current interest rate I'm paying on this slightly over {$5000.00} balance transfer amount is 24.4 %. He could not tell me who denied the referral, or why. I advised him that I understood it was the law to apply payments to the highest interest rate balances first and asked for an explanation why this wasn't done. I asked who denied the referral. I asked him what the name of the department the referral was sent to was called. He couldn't answer any of these questions. He tried to reach out to the first supervisor who helped me on XXXX, and then he resubmitted the referral for the request to have the interest rate corrected. 

It is my assertion that Citicards is participating in illegal, predatory lending practices. They are refusing to apply the payment correctly to the highest interest rate balance and they are attempting to extort 2.5 times ( and possibly higher at some point given that it's a variable rate ) the amount of interest from me that they are entitled to.
Consumer complaint received 2023-03-01
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. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

Tracking number from XXXX Equifax XXXX Equifax XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (VA)

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, 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 2021-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

XXXX XXXX XXXX i intiated a money transfer using my XXXX XXXX checking account going to my venmo account i. The amoint of {$500.00}. It was supposed to go into my venmo account on XX/XX/XXXX got a confirmation from XXXX XXXX stating that the funds already went out on XX/XX/XXXX and showed on my XXXX  account. According to venmo they havent recieved the funds and that XXXX declined the payment. Now it clearly shows on my XXXX bank statement - {$500.00}. I called both merchant and they are both telling me two different stories saying it went thru and the other saying it did not and i cant tell who is telling the truth but theres obviously something going on because these picture tells it all.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
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. (NJ)

I MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.