davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

Upon my review of my consumer reports it has come to my attention that you XXXX  XXXX XXXX are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX  XXXX XXXX  have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report 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
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (MD)

XXXX XXXX XXXX apparently sold someones MEDICAL account to Choice recoveryXXXX 
Its a violation of the hippa act and I want it REMOVED IMMEDIATELY. 
I also am beyond tired of the bureaus marking things as verified and placing them on my file. 
Under my legal rights I want a civil suit against any and everyone who furnished this illegal procedure to my file.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

On or about XX/XX/2021 I filed a fraud affidavit with Synchrony Bank. Someone had used my card without my knowledge or permission. My fraud claim was denied, stating that statements had been mailed to my home. I rent rooms in my home and tenants have access to all areas of the house. Someone used my card, as their own, charging and paying the minimum, and charging more. I am a XXXX senior and I knew nothing about this. Mastercard states that I am not responsible in the case of fraud. Synchrony continues to bill me for charges that do not belong to me.
Consumer complaint received 2021-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On all three Credit agencies ( XXXX, Equifax, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX  XXXX credit card company reported me late in XXXX of 2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( XXXX, Equifax, XXXX  ), to remove this and haven't gotten a response. Also, with XXXX XXXX they reported me late during the pandemic in XXXX of 2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I was mislead to believe that I had 24 months no interest, come to find out it was deferred interest. I had originally financed {$18000.00} on XX/XX/XXXX I had it paid all the way down to {$4500.00} on XX/XX/XXXX and they just hit me with a {$7900.00} interest charge!!! I called synchrony bank and stated I would gladly pay the {$4500.00} balance in full but they will not except that. I really need to get to {$7900.00} and 84 % interest charge off of the account and I could afford to pay the remaining balance.
Consumer complaint received 2022-12-15
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. (GA)

This is my continued 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 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 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Services, Inc. (TN)

XX/XX/2015 Collection Management in XXXX XXXX, TN gave inaccurate information to credit bureaus about charges that were paid. 
I sent numerous certified letters to their address with no response, I also sent the credit bureaus XXXX  AND XXXX. Iwant this deleted asap.
Consumer complaint received 2020-02-20
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Consumer complaint received 2020-02-20
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses
FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Consumer complaint received 2021-12-02
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: ALLY FINANCIAL INC. (MS)

On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as Ally Financial, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

XXXX  XXXX XXXX  apparently had a credit card opened in my name. They were notified and they ADMITTED as you can see in the letter attached that was NOT mine and that I am NOT responsible. That letter was sent to me in XXXX of 2020. I STILL am receiving threatening letters saying it is mine, that they now want police reports and such which was not needed before they sent me the letter stating it was NOT my responsibility. 
This is a scam company that has swindled millions from people and has a F rating on the XXXX. I didnot do this!!! My credit is damaged by not only XXXX  XXXX XXXX  but by LVNV funding. This needs to be rectified at once!
Consumer complaint received 2020-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I sent my XXXX payment on the XXXX and on the XXXX of XXXX I was notified that Freedom Mortgage did not receive the payment. I went to my bank and filled out paperwork and they verify that the check was never cashed. I had another reissued and sent it. Within that time, it went past 30 days and they reported it to XXXX XXXX and XXXX which resulted in a drop of 70 points on my fica score. They also sent a letter notifying me that I have been appointed a single point of contact????? They also said that I was behind 2 payments which was not the case. I called on XX/XX/20 and the recording said my next payment due is XX/XX/20. Three things took place ; a lost check resulted in the situation I m now in ; my original check was sent on time but because it was lost I now have a delinquent hit on my credit report resulting in a 70 point drop! The letters sent are for someone experiencing difficulties with paying their mortgage which I AM NOT! My payment history with all debt before this was on time and no problems. This was taken too far and for reasons that benefit Freedom Mortgage only! If I have another issue I understand that they can increase my interest rate by a point????? The drop in my fica score in extremely unfair and not warranted. The XXXX  and XXXX XXXX needs to come off. I have records of discussions with Freedom
Consumer complaint received 2020-02-20
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. (MI)

XXXX XXXX XXXX is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XX/XX/XXXX- XX/XX/XXXX. Acct # XXXX XXXX XXXX XXXX began reporting XX/XX/XXXX that I still owed XXXX  XXXX ... Acct # XXXX. 

I reported to Experian that this is incorrect and asked for an investigation. Experian disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

XXXX XXXX XXXX and Experian will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.
Consumer complaint received 2023-03-23
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. (NY)

In accordance with the fair credit reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/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 2017-01-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter from Capital One on XX/XX/19 stating they rebill the charge in amount of XXXX that XXXX XXXX XXXX charged on my card for the uniform my son never received. Nn XX/XX/19, I faxed the evidences such as screenshots of my conversation with the owner via texts. I followed up on XX/XX/19 to see if they have received and they haven't. I faxed it again and still haven't received it. I asked for a link to upload the documents. They sent me email to upload the documents. I followed up again and they stated they denied my claim because they dont accepted screenshots. I spoke with the supervisor and the supervisor encouraged me to write a progressive letter explaining what happened. I did and upload on the same day. I provided an explanation of how my conversation with the owner changed from email to texts and that my only communication with the owner is by texts because its easier for us and that I am XXXX. I also provided to support my explanation. In the text, the owner did stated he would refund me for the basketball uniform my son never received. I followed up the next day on XX/XX/19 and they told me they denied my dispute claim. I am upset about it.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I've received CFPB paperwork in regards to this complaint with # XXXX. 
Many years ago I opened a credit card account with Sears. And then I realized that it's no longer Sears but rather Citi Bank Master Card. Therefore the card was taken over by Citi Bank without my knowledge or agreement and the new higher interest rate was imposed. I did reach out to Citi Bank and asked them to clear the situation and I specifically refused to have anything to do with Citi Bank and all XXXX credit cards that they issued on my name without my knowledge but it was never resolved.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My wife and I opened a capital one Venture card about 6 months ago and capital one abruptly and unexpectedly locked our account because they said they needed verification of my ownership of the account I pay the credit card from. I reached out to my local bank ( XXXX ) and was advised that I should not send them an account statement due to capital one 's recent data breeches as well as it just being a generally stupid idea to send sensitive account information over the internet. Capital one then suggested that they speak with XXXX directly which they did twice on two different occasions with 2 independent employees. Capital one said this should be all they needed, however I was informed 2 weeks later that this was not sufficient and that I still needed to send a statement to verify my account. Then I sent a document prepared by my bank that confirmed ownership of the account which included transaction numbers dates of payments ect. Capital one stated that this too should be sufficient but To date, I can not close my account or make any changes to it because my account remains blocked. Capital one is completely resistant to helping get this issue resolved as it seems they are intent on keeping me hostage with an account I can not use or close.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020 I signed up for TransUnion credit monitoring services. When signing up, they requested a credit card, which I presume was to be used to verify my identity or look up my credit score. Instead, I was charged {$26.00} without my knowledge for services I presumed would be free ( such as free credit scores or credit related services ). No where during the signup process was it ever disclosed I would be charged {$24.00} plus tax.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2023 I sent a letter asking TransUnion to validate two debts ( two separate letters ) for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to provide me with the ORINGINAL contract and my signature within 30 days. They sent me a letter today, XX/XX/XXXX - 8 days too late, with no original contract or signature " validating '' the debt. This is illegal and outrageous!
Consumer complaint received 2023-03-23
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: TRUIST FINANCIAL CORPORATION (NC)

I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.