davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax, XXXX and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these XXXX credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.

Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report.

IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT.

DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS?

WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS ANS RECORDS WERE REPORTED WITHOUT CONSENT.

WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY.

YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
Consumer complaint received 2016-10-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IL)

I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.
Consumer complaint received 2024-02-22
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. (FL)

Dear CFPB, XXXX XXXX XXXX XXXX  It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( EQUIFAX ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. The report presented by EQUIFAX presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 LAST PAYMENT : Is incorrect I 4 DATE OF LAST ACTIVITY : Is incorrect 5 THIS ACCOUNT IS VERY OLD AND HAS ALREADY BEEN DELETED BY THE OTHER BUREAUS, include credit report from XXXX XXXX  and EQUIFAX where the different can be seen.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

XXXX had put me on collection for the amount of {$480.00}, in which I called to canceled the services prior moving back in 2011. Paying last month of service and was told that I do not owe anything. Now the account is in collection for quite sometime now.
Consumer complaint received 2023-03-16
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. (PA)

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 : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2020-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

On XX/XX/2020 I tried to login into my online banking account with BMO Harris. During this process I noticed that the HTTP request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called BMO Harris and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.
Consumer complaint received 2015-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AZ)

This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX, I was showing a '30 day late payment ' on my credit report for the month of XXXX for my auto loan. On XX/XX/XXXX at XXXX, I called into Regional Acceptance and spoke with a representative. I stated payment had been made and wanted to clarify the late status would be removed from my credit report. She assured my my account was current and the remark would be removed. 
Fast forward to XX/XX/XXXX, the late payment status had not been updated. I called in to Regional Acceptance again on XX/XX/XXXX at XXXX. The representative I spoke with that day, said I was misinformed on the prior call and that my account was not current. I went over the prior conversation with the representative and explained to her that I wanted to do an extension or whatever needed to be done to bring my account current and have the late status taken off of my credit report. She processed a payment of {$25.00} to cycle through and assured me many times that my account was not only now current, but my credit would be updated to show that, as well. I asked over and over for her to clarify my credit would no longer show '30 days late ' for XXXX, which she did. 
Now here it is XX/XX/XXXX, and my credit is still not updated. On XX/XX/XXXX at XXXX, I called once again. I spent 33 minutes on the phone. The first representative said the information I received previously was incorrect and they were unable to remove the late status from my credit report. She confirmed my account is current, but was unable to remove it. I asked her to pull the call from XXXX so she could hear the conversation from that day. She said she could not, and would transfer me to a branch. I spoke with a man there, who had to put me on hold twice, for minutes each time. I repeated the situation to him and he also said I had been misinformed and they could not remove the late status. I asked him if we could do an extension or whatever needs to be done for XXXX to be current. He said we can't do an extension because my account is current, which is what I had been explaining all along. He, as well as the lady before him, seemed very confused on my account. He supposedly is unable to pull the call from XXXX and said he would message the manager of the lady who " gave me the wrong information, '' and have her contact me. He said there was no way my credit would be updated. I asked him how I could receive copies of the recorded calls and he said he's unable to provide them and can't locate them himself. 
I received different information from three different people over the last two months. If the first representative had been correct, there's no way my account could have been 30 days late. I have tried for two months to fix this issue, while being given the run around by Regional Acceptance. I want the calls from XX/XX/XXXX and XX/XX/XXXX reviewed by someone higher up in the company and I was the '30 day late ' status from XXXX removed from my credit report.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX we checked out of XXXX XXXX resort in XXXX, XXXX. We had a bill totaling XXXX. We paid a deposit prior to arrive of XXXX bringing out total owed to XXXX. Upon arrive we sat and spoke with a concierge and gave her a card to hold for incidentals ( Capitol One master card ) with the understanding our outstanding balance would be XXXX, and any additional rentals or food charges should they incur. At the end of our stay we checked out and paid and authorized {$700.00} on the master card and an additional {$1300.00} on a via card. Lastly we had rentals for snorkling gear we added in for payment ( total {$29.00} ) on the same master card. Upon departing around XXXX we were unable to receive a receipt from the hotel to sign and confirm all purchases because they could not complete the charges as explained without a manager to explain them. We asked for a receipt to be sent to us electronically and we would be on the XXXX of XXXX for an additional 5 hours should there be any further questions with charges. Upon departure the XXXX XXXX resort charged the master card an additional {$700.00}. There was no authorization for this charge to be run on the master card - as the limit for the card is {$750.00}. If there was a remaining {$700.00} balance, which we were not informed of in writing upon arrival with all other noted charges, the charge would have been paid with a debit or credit card having sufficient funds. The charge was disputer with Capitol One immediately and followup from XXXX XXXX stated they did charge the master card for {$700.00} - twice. This was unauthorized by the sole card holder. I would not and did not authorize a charge that is double my credit card maximum allowance. I have great concerns over the fraudulence on charges for {$700.00} on XXXX XXXX with NO AUTHORIZATION. Should the XXXX XXXX resort have any additional charges totally {$700.00} they feel are outstanding we would be happy to pay them on a card with sufficient funds. In the mean time our Capitol One master card has been charged 2 times for an unauthorized amount of {$700.00}. I have contacted the resort and Capitol One regarding this matter- both have been unable to explain who authorized the second charge of {$700.00}. I do not understand why Capitol One would allow for a charge to be run for {$700.00} ( or double ) my max credit limit.
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the fair credit reporting act XXXX  Accounts # XXXX -XXXX  XXXX, XXXX C 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.
Consumer complaint received 2023-03-16
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. (OH)

Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on credit report. 
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 2020-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX i noticed a XXXX ACH charge on my checking account I disputed the charge on line and called the Sun Trust customer service line. I inquired regarding the charge and was told it was a over annual over draft charge for a line of credit acct i had with Sun Trust. I have never paid a XXXX fee before and the account had a XXXX balance. I was told by the CSR that the charge would be credited to my account and at that time i told the CSR i dont use the account  to close it. I thought the issue was resolved. On XX/XX/XXXX i was notified by XXXX XXXX that a change was being reported on my credit file. I called Suntrust and disputed the charge and reporting and i contacted all ( 3 ) credit reporting agencies. I called Suntrust  XX/XX/XXXX and got no results and was told sorry for your luck. I visited the local branch and spoke to XXXX XXXX and she called several divisions trying to resolve the issue. I was contacted by Sun Trust today XX/XX/XXXX and was told that they will not make any changes because i disputed the charges that due to fair credit reporting guidelines that the account is being reported correctly. This has impacted my credit rating by 100 points and dropped my score  from XXXX to XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. Equifax was the only one that didn't charge. XXXX and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
XXXX XXXX XXXX
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX
Consumer complaint received 2015-11-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (TX)

M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.
Consumer complaint received 2024-02-22
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. (PA)

XXXX, XXXX, & EQUIFAX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the identity theft.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

Ally banks is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the ally gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Consumer complaint received 2024-02-22
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. (FL)

I notice an error on my credit report from a company called XXXX. I reached out to the company because they had reported that my account was over 60 days late which was not accurate. I immediately filed a dispute with the credit bureaus explaining that the information of my report was inaccurate. I wrote a letter asking for the information be correct and provide proof about the inaccuracies. At first XXXX fixed the error but last week put the inaccurate information back on my report. Equifax as never fixed the error and stated that the information was accurate. I asked for copies of the investigation to see why they said the information was accurate. I have yet to receive anything. It has been two months.