davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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)

A XXXX XXXX account is being reported on my credit file on both Equifax and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that Equifax is using to validate my information as reported by XXXX. 

I've disputed it with Equifax, XXXX and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by Equifax stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (KY)

I have tried multiple times over the past 3 months including today to contact this company, they purchased my student loan from ACS and they have entered some wrong information into the NSLDS that is preventing me from recertifying for my IBR. I can not reach anyone EVER! This can cause my loan to go into default which would negatively effect my credit that I am trying to rebuild!
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and account # 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 2018-07-30
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (GA)

I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and XXXX XXXX XXXX no response XX/XX/2018.Instead my file was transferred to another agency Allied Interstate on theXX/XX/2018. 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from XXXX XXXX XXXX that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and XXXX XXXX XXXX refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. XXXX XXXX XXXX violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did Allied Interstate review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (NY)

I submitted a complaint to the CFPB on XX/XX/XXXX against Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX, the resolution was submitted as follows : Company 's Response : " We will close this account '' DESCRIPTION OF NON-MONETARY RELIEF : " We will cease and desisit '' ( sp ) Forest Recovery Services, LLC, is NOT honoring their stated resolution. They have not closed this account, nor have they ceased or desisted. They are calling my telephone and sending me more harassing debt notices. Please see attached files. 

Instead of doing what they stated they would do in response to my complaint, which is cease and desist, close the account, they are actively engaging in complicit behavior with their client, XXXX XXXX, who is running a nationwide fraudulent body broker scheme that targets grieving families who have just lost a loved one. 

I am now forced to include Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX in my complaint to the NY Attorney General about XXXX XXXX an illegal company that has been operating fraudulently in all 50 states and has been legally sanctioned by numerous attorneys general.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

tried to get them to verify XXXX XXXX XXXX  they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. 
my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.
Consumer complaint received 2018-07-30
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: Experian Information Solutions Inc. (MI)

You will see in Letter one, sent XX/XX/2018, received CERTIFIED MAIL XX/XX/2018 @ XXXX XXXX., EXPERIAN sent back a response stating things have been VERIFIED but they failed to answer my SPECIFIC request stating " Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the ORIGINAL signed consumer contract-any and all accounts you post on a credit report. '' " I demand to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' ( SEE ATTACHED DOCUMENT ) They sent back a letter stating they have verified and updated my report. They did not follow my demands and send me any verifiable proof. 

XX/XX/2018, more than 30 days allowed to them by law, I sent off letter 2. enclosed with it was a copy of letter 1, proof letter 1 was received. " Please be advised this is my second written request. '' " You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my name on it ) and unter Secion 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all information which can not be verified, '' " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. '' ( SEE ATTACHED DOCUMENT ) Their response is they will not reinvestigate pursuant to Section 611 ( a ) ( 3 ) ( A ) ( SEE ATTACHED DOCUMENT )
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This account has been paid in full {$21000.00} and no late payments were had. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy. ( 15 USC 1681 ( section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-03
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: CITIZENS FINANCIAL GROUP, INC. (FL)

A door to door salesperson came to my house trying to sell me a home alarm system. HE asked me to fill out an application and I repeatedly told him I did not want to if it would result in a credit check. He reassured me multiple times that it would not result in a credit check. After enough of his statements to me did not make sense, I ended the sales pitch and did not sign up for anything. A day later, I got a credit alert saying my credit was run and now it is impacting a home loan. I called the company the day after the credit alert as well as their lender who checked my credit, Citizens Bank, and they all agreed to remove the inquiry. Turns out, they didnt. I never consented to a credit check and they specifically told me there would not be a credit check.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXXwas reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I am XXXX and I didnt have a negative on my account yesterday? I deposited my sons social security check last night and wake up today to 2 over draft fees? I called the bank and they said they couldnt reverse them and once my check cleared it would bring it to a positive, so basically theyre taking the check and I stay broke?! Its not like this happens on a weekly basis and the online app reflects otherwise, my account was ok yesterday and today is not?
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (UT)

I recently went into my XXXX XXXX and noticed a ton of inquires that I did not authorize. A lot of them are from dealerships who advised credit would not be pulled and now there's a ton of inquiries that I never authorized nor did I ever purchase a vehicle or finance through them. I disputed the inquiries with the bureaus but no change was made
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Merchants Adjustment Service, Inc. (FL)

An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

In early XXXX, due to the insufficient payment had been made to this credit card account. The company closed my credit card account, but I continue to make a payment every month. 

The interest of this credit card was getting higher and now is 26.99 %. I still own {$4300.00} on this card and I make a minimum payment of about {$140.00} per month which also included about {$100.00} of the interest. In XXXX, I have made {$1000.00} of interest to this card and It is 1/4 of the amount which I own on this card. 

I want to pay off this card ASAP, but the high interest makes it become forever. I don't wont to run into the debt collection program because it will also hurt my credit score. 

I was wondering if there is someone can deal with the bank and try to low my interest as the normal rate. Then it will extremely save my time to pay off this card. 

Thank you very much for your consideration, XXXX XXXX
Consumer complaint received 2021-03-31
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: DISCOVER BANK (CA)

I am extremely disappointed in the service Discover fraud services has provided me. I became a victim of card fraud and reported the fraud as soon as I became aware of it. After being told they would file an investigation and being reassured I would not be held liable, I started to receive calls weeks later questioning my actions in reporting the fraudulent transactions. After several calls with their fraud department and answering the same questions they had asked several times, I was told I was being held liable for the charges as they find no fraud occurred. After requesting to speak with a manager, a fraud analyst advised no investigation was conducted. I was also advised the decision was made based on fraud patterns. I was advised because notifications were sent to me advising of the charges, notifications I didn't receive, and my reporting of the charges 5 days after the fact these charges would not be considered fraudulent. I was also told since the charges were done in stores near my area and at some businesses i have visited in the past, these finds were sufficient to make their decision. I found the circumstantial evidence aspect of the investigation to be very upsetting. No one wanted to hear my side of the story. No one wanted to take the time and actually investigate the charges. Discover simply submit an inquiry to the merchants and the merchants did not respond so they turned to a probability chart and added the charges to my account. I find it upsetting that they would use my area as a probability factor of the charges being authorized. We are in a pandemic, I don't travel and I use my card often. If I lose my card, it is a high probability it will be in my area. Since there were no additional charges on the card, they found it to be strange rather than a blessing no more fraudulent charges were added. Without even hearing my side of things, past the basic questions they kept asking me, or at least advising me of how they came to their conclusion, I received a letter advising me the charges were added to my account and I need to pay for them. I don't know how Regulations work or how credit cards can get away with the advertisement of " Zero Liability '' for fraudulent charges but still charge you, but if that is not a true statement, why advertise it. Especially if the company is not going to do their due diligence in truly investigating the charges. I feel wronged and mad at the fact someone has benefited at my expense. The charges took place XX/XX/2020 {$840.00} at XXXX of XXXX XXXX, CA and XXXX XXXX # XXXX XXXX, Ca. {$110.00}.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (FL)

Ive sent a letter to your company last month on the XXXX ofXX/XX/XXXX and i havent recieved any response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for a mortgage in XX/XX/XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX   balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.