davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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)

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 Account Number : XXXX and 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 2024-02-16
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. (GA)

I have would like to bring to your attention A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2020-07-01
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. (NV)

The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

Good morning, This complaint is regarding a store credit card supplied by Comenity Bank. I made a payment on XX/XX/2019 to pay my balance in full. Apparently, I had {$10.00} in interest charges that I was unaware of. I never received a phone call, a letter, an email, or anything notifying me that I had a payment past due of {$10.00}. I only found out when my credit report monitoring service alerted me that there were negative marks on my report. They didn't even report the balance past due at 30 days, they waited until past 60 days to report it, so now there are multiple negative marks. My credit score has gone down over XXXX points for 1 missed payment of {$10.00}. I contacted Comenity immediately and paid the balance and all late fees. I wrote them a letter asking for a goodwill adjustment to my report and they refused. 

If I had received any notice that I had a past due balance, I would've paid it. My credit score was almost XXXX before this. This is unfair.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

My dispute is against the chime Bank I have a credit account and a debit account I had a party at my house Somebody went upstairs and went into my bedroom and stole my wallet and they also stole a small briefcase which had a tablet in it and a laptop in that briefcase had my PIN numbers and my banking information and credit card information from every company that I deal with the PIN numbers was not stored in my wallet if they only took my wallet they wouldn't have this information I filed a police report because on XXXX the XXXX at XXXXXXXX XXXX. {$500.00} was deducted from my debit card and from my credit account at a XXXX XXXX  I did not authorize anyone my wallet and briefcase was stolen I filed several disputes with chime Bank they returned the money from my credit card and said that the transaction was illegal however they refused to return the money from my debit card how can you say that one transaction is the illegal other one isn't when they were done at the exact same location at the same time by the same person who stole my wallet and briefcase I am a XXXX veteran I live on XXXX I have no other income I have bills that I can not pay because this money was stolen and my money is not being returned I asked for what information they use to deny my dispute and the only thing they have is the police report that I filed there's no documentation from the bank where this money was taken from at their ATM how come there's no photo of whoever did this I need my money returned they are refusing to return the money from the debit card but yet they return the money from the credit card
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: P&B Capital Group, LLC (GA)

P & B CAPITAL GROUP LLC has been requested to provide proof of debt and fails to provide debt validation. 

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

so I disputed a bankruptcy after allot of back and forth XXXX XXXX agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other XXXX XXXX is saying call the bureaus they will update and the bureaus are saying call XXXX XXXX. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Consumer complaint received 2017-02-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Google Compare Credit Cards Inc. (OH)

I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent entries are inaccurately reflecting my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent items, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc.. I want to emphasize that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I understand the importance of accurate credit reporting and the impact it has on my ability to access credit and financial services. Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
I am enclosing supporting documentation, including any supporting documents provided, to assist in your investigation and expedite the removal process. 

I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file 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 2024-02-19
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have loans on my credit bureau files and its show that XXXX XXXX accounts are not in good standing. Per the government repayment program due to my income I am in repayment status so my payments monthly funtil next year are XXXX
Consumer complaint received 2024-02-19
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)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a mortgage with Bank of America who cancelled my auto pay provision without any notice to me. This resulted in my being 60 days late without my knowledge. Once I was informed I immediately made payment to bring my account current. The following month in XXXX it was my understanding that my automatic payment process would be resumed, something I confirmed with the B of A representative over the phone as I was making arrangements to correct the balance on my account. I made my payment in XXXX to bring my account current as I negotiated with the representative over the phone and assumed that this mishap had been resolved. In XXXX I had pressing issues and I did not follow my balance with my account from which the payment should have been withdrawn. In XXXX I discovered that the payment had not been withdrawn and I immediately went to the bank and made a payment on XXXX XXXX that included late fee 's. The check cleared my bank XXXX XXXX, 2016. At that time, I was receiving calls from Bank of America demanding payment and reciprocating in the mail their pre-foreclosure packets. I called the B of A and was first informed that they had no record of my payment and that I had to make a payment with certified funds that day. I contacted a friend who is a Mortgage broker and we call Bank of America together. After several questions from my friend, Bank of America admitted that they had received my funds but returned them and that I had to make another payment with certified funds. This was XXXX/XXXX/2016. The spokesman told us that funds had been returned. On XXXX/XXXX/2016 I received the check with a letter from BofA that my funds were being returned. The check was dated XXXX/XXXX/2016, the envelope that the check was mailed in, however was dated XXXX/XXXX/2016. Bank of America waited another seven days to mail the check. Bank of America had accepted my funds, cashed the check, verified that they had indeed received the funds, then returned the funds and reported me late on my credit report and accelerated my loan into pre-foreclosure status. I am planning on taking B of A 's check to the bank and substituting it for a B of A certified check, and redepositing the funds back to ensure my loan does not go into foreclosure however I believe that Bank of America, by accepting my check, cashing my check, verifying that they had received the cash, and then returning the funds in favor of certified funds after receiving payment should be illegal. I further believe that while holding my funds, accelerating my account into their pre-foreclosure process is unconscionable. They held my funds and then charged me a penalty for being late, and accelerated my loan to pre-foreclosure status, even though they had verified that my funds had cleared and were in deed deposited into their account. Then took an additional week and a half to return the funds and only did so when I presented them with proof that they indeed were holding my funds.
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I refinanced my federal student loan of {$30000.00} with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX, after XXXX 's announcement of student debt relief, I called Great Lakes regarding getting my federal loan reinstated via a refund to XXXX under the CARES Act since the payment/refinance was made in XX/XX/XXXX. I was advised that they would happily do so and would be sending a refund check to XXXX and the balance would be reflected on my Great Lakes account within 30-45 days. 

On XX/XX/XXXX, I called Great Lakes to check in on the status of my refund, as it was still not reflected on my Great Lakes account. I was told that my refund request was rejected because they " received new direction that they are unable to refund third parties. '' According to the Student Borrower Protection Center 's press release on XX/XX/XXXX, " refunds are available to borrowers who refinanced their student loans during the payment pause into private loans, such as those offered by XXXX or XXXX. '' I would like Great Lakes to reinstate my federal loan since it was paid during the payment pause, so I can be eligible for and receive the {$20000.00} forgiveness I am due.
Consumer complaint received 2024-02-19
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
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)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX  XXXX  - Account Number:XXXX XXXX - Account Number:XXXXXXXX XXXX - Account Number:XXXX XXXX XXXX  - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX DEPT OF EDUCATION/XXXX - Account Number:XXXX DEPT OF ED/XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA (CA)

I received an email from this company because I had applied for a loan on another website. I became suspicious when they said that my loan for {$5000.00} but in order to obtain this loan, I would have to download a statement saying that I agreed to an insurance policy which had to be agreed to before the proceeds of the loan would be issued. The procedure for me was to agree ta the insurance even though I would not have to pay anything for this socalled insura ; XXXX policy ( which was poorly written and showed evidence that it was not legitimate ). The confriiming evidence that it was a fraud was that I was told that this firm would send a deposit to my banking account ranging between {$200.00} to {$1000.00} ; but that deposit would have to be returned to this firm by going to a specific ATM to send the money back to this company. I didn't fall for this fraud but some other person may agree to it because of the need for a loan. These people need to be stopped.