davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-19
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. (GA)

XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX  : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : authorize inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

Commenity Bank Called my parents and informed them that they were looking for me for a debt for a vicotria secret credit card. I had already contacted them and they were telling this information to a relative.
Consumer complaint received 2024-02-19
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX Last 4 of SSN XXXX XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. Sincerely, XXXX XXXX
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. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-05-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (FL)

On XX/XX/2020 I sent this company a cease and desist letter which they did reply on XX/XX/XXXX that they received it and will honor my request. This company has called me 29 times since then also leaving multiple voicemails on the same day. On XX/XX/XXXX XXXX and XXXX left two voicemails, on XX/XX/XXXX XXXX and XXXX left two voicemails, and on XX/XX/XXXX XXXX and XXXX both left messages as well. This is considered harassment especially after I sent them the seas and desist letter. His company is in violation of that and Ill like To make a formal complaint
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

My loans were placed into deferment without my approval or knowledge. I logged into my loan servicing site, Navient, to make my normal payments for the month of XXXX and discovered that all of my loans both private and federal had been placed into deferment. I never received any communication or request for approval for this to happen. I called Navient to try and resolve the issue, requesting that all of my loans be taken out of deferment and returned to the normal payment schedule I was previously on. My concern was, since the loans were placed into deferment, interest would begin to accrue and further more be capitalized into my principal. I made it clear in my initial call that I wanted the loans out of deferment, and to return to my normal payment schedule specifically to avoid any interest being capitalized. I was informed that my loans were removed from deferment and that I would be able to make my normal monthly payment for XXXX. I then proceeded to make my normal payments as I had done previously. 

Then in XXXX, when I logged back into my account to make my payment for that month, not only did I notice that I had not been returned to my normal payment schedule, Navient had also capitalized approximately {$100.00} worth of interest, despite me having made my normal payment for XXXX. I called again to have this straightened out explaining that I was to be returned to my normal pay schedule for XXXX and that the payment I made should be applied normally to avoid any interest capitalizing. I was told that nothing could be changed because the payment cycle had ended. When I inquired as to why my loans had been placed into deferment in the first place without my knowledge I was told that this was a federal requirement. This seemed suspect to me, especially since neither myself nor my cosigner received any notification. I again requested Navient return me back to my normal pay schedule for the month of XXXX. After speaking with both a representative and a manager, I was assured that I had been returned to my normal schedule. To date, my payment is due on XXXX XXXX and my account still does not reflect my normal payment schedule as requested. Additionally, none of the capitalized interest has been removed despite having continued to make my normal monthly payments. As a result, my monthly payments due has now increased because of the capitalized interest.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is XXXX
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC (TN)

I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.
Consumer complaint received 2015-10-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that I paid them directly and they closed this account. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I have never paid, nor been in contact with or have any contracts with this company at all!
Consumer complaint received 2024-02-19
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. (PA)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies XXXX, XXXX, and Equifax are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2024-02-28
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: National Credit Systems,Inc. (TX)

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Consumer complaint received 2024-02-19
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. (CA)

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis 260 F. Supp 2d711 ( SD Ind.2003 ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing in the beginning of XXXX, XXXX, I fell victim to a multilayered scam orchestrated by fake CoinW, operating under the domain www.coinwget.com. I was approached by XXXX promising grand returns on my investments. They had me download telegram and placed me in a trading group where I have met more victims such as myself. I have lost XXXX USD of my hard earned money using your services. The Page - 2 - of 23 COMPLAINT FOR DAMAGES AND OTHER RELIEF DEMAND FOR RESOLUTION OF FINANCIAL DISPUTE Fraudsters requested I pay numerous amounts of tax and release fees in order to withdraw my investments, which I now know to be fake, profits. It was too late when I figured out I was being scammed.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I disputed and requested a validation of the debt Rash Curtis and Associates claimed I owed. Consumers have the right to request a validation of debt to ensure that the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that their company seeks to collect the specified amount. In response to my request, I received a letter from Rash Curtis noting the amount I allegedly owe which was incorrect ( such as the location I received treatment ) and a copy of an outdated patient ledger/statement. In addition, the statement copy sent merely illustrates that I was properly insured at the time services were incurred and their client, XXXX XXXX, was negligent in billing my insurance provider within the required time limit. Therefore, neither Rash Curtis nor their client have properly substantiated their claims that I owe this debt and as such, it has nothing to do with me. 

In addition, I have provided significant evidence disproving Rash Curtis 's claim that I owe this debt and I have made several attempts to resolve this issue with both parties ( see attached ). My insurance provider at the time ( XXXX ) also attempted to contact both companies to resolve the issue and provided documentation showing I am not responsible for this debt as XXXX XXXX was contracted with them at the time of my services. Yet, Rash Curtis still reported inaccurate and invalidated information to my credit report over 5 months ago and despite receiving information from me disproving their claims shortly thereafter, Rash Curtis has not removed the debt from credit report. This action constitutes fraud under both Federal and State Laws and the negative marks found on my credit report are in violation of the Fair Debt Collection Practices Act and is Defamation of Character.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I received an alert yesterday on XX/XX/21 fron Experian that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.