davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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: ALLY FINANCIAL INC. (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing this to file a formal complaint against XXXX XXXX Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2024-02-15
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. (NY)

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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I have made several attempts to have the remark/comment removed from my credit report disputing the account. The account was first disputed through XXXX for the balance and they did send me supporting documentation proving that I owed the debt. XXXX XXXX XXXX has been receiving payments made through XXXX until I recently started making payments to their website. However, I have made several calls to them in regards and provided letters that I am no longer disputing this account and to removed the remark from all three credit reporting companies as they are currently being paid. This is the response back from Experian " XPN We are unable to remove the dispute comment as requested for XXXX XXXX as the creditor has verified that it should remain on file XXXX/XXXX/15. Phone verification attempted but per XXXX at XXXX no information was given without consumer authorization. We have initiated a dispute to verify information with the creditor once more. The consumer will receive the results within XXXX days. A letter from the creditor authorizing removal of the comment would also be acceptable. " XXXX XXXX XXXX keeps stating it is not them but Experian and I do n't know what else to do at this point.
Consumer complaint received 2024-02-15
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. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

I am a XXXX just getting established. I set up a business PayPal account to conduct my business. I was asked to verify my account through PayPal, which I did. They asked for specific documents required and I gave all of them, as requested. This morning they suspended my account indefinitely, holding on to almost {$400.00} of my clients hard-earned dollars. This looks incredibly bad on me and my new business. No one could give me an answer as to why this happened and I was basically hung up on by a supervisor. Please help me spread awareness about the fraudulent activity from PayPal.
Consumer complaint received 2020-07-07
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. (FL)

I submitted two written request for incorrect reported items on my credit report with XXXX   and Experian. I take my credit very seriously and I submitted a second written request to XXXX  XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX  in the amount of {$2100.00}. I also submitted a written request to Experian requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both Experian and XXXX.
Consumer complaint received 2024-02-14
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 am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed including a public record which they have XXXX written authorization from me to be reporting to my credit report. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 2021-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is for the transactions of {$550.00} labelled as " Debit Card Purchase - XXXX XXXX XXXX XXXXXXXX XXXX '' and {$500.00} labelled ad " Debit Card Purchase - XXXX XXXX XXXX XXXX XXXX XXXX ''. There are some discrepencies that Capital One ignores when they reviewed my case. These purchases were not done by me. These were forced by a third party screen sharing app that hacked my phone. Both transactions were made within minutes of each other. Capital One said it was by the same person. The transactions were made in separate IP addresses. I brought this up and I was ignored.

Please check the IP addresses in the PDFs I attached on page 4. This is a clear case of hacking and theft. Capital One refuses to take responsibility for this. 

Also please note this is separate from my previous complaint. Thank you.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (CA)

Description : I opened an account online with Crypto.com a few months ago. Its under XXXX. Made electronic. ACH deposits from my XXXX XXXX to crypto.com. Purchased BTC and etherium. I have sold positions into their XXXX XXXX. I was shocked when I could only Transfer out back to my XXXX XXXX just {$5000.00} daily limit. I still have roughly {$12000.00} still and received an email from crypto stating I violated their rules and locked me out of my account. Ive sent over 20 emails, chatting on their computer help chat line. No access at all as of Wednesday XX/XX/21. Ive emailed them as I said over and over. Many times. No help. They do not have a phone # to call. Please help me get the {$12000.00} returned to my checking account ASAP Thank you. XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. 
1. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX 2. XXXX ACCOUNT NUMBER XXXX 3. XXXX ACCOUNT NUMBER XXXX 4. XXXX ACCOUNT NUMBER XXXX According to fedral law your in violation, did not apply for these cards and do not wish to have theses accounts furnished on my consumer report. By law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife and I share a checking account. We both requested new debit cards in XX/XX/2022, as the previous ones had expired. Upon receiving them, we never used them. On XX/XX/2022, we were charged by : Merchant name : XXXX Merchant information : XXXX XXXX Amount : - {$19.00} Type : Debit Card We immediately locked both debit cards and contacted Bank of America letting them know this was a fraudulent transaction. They credited us back the amount charged and said they would investigate. Another fradulent transaction was attempted against the other debit card, but was blocked due to it being locked. We requested that they block all transactions from this merchant. They cancelled our debit cards, we destroyed them, and they sent us new debit cards, which we never used. 

On XX/XX/2022, we were charged by the same merchant : Merchant name : XXXX  Merchant information : XXXX XXXX Amount : - {$25.00} Type : Debit Card We again locked both debit cards and contacted Bank of America to let them know it was another fradulent charge. They said they will credit our account, block the merchant, and send us new debit cards. We asked to speak with the Bank of America security department, as it doesn't make sense how our cards, which were never used and are carried separately, were each fraudulently used on XXXX different days. We were told Bank of America does not have a security department. We're concerned that Bank of America, or whoever they use to supply their debit cards, has been hacked, as there is no other explanation how these transactions could have gone through, as no one should know our debit card numbers.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

i sent a dispute letter to south ms collection on XX/XX/2020 for an alleged debt of XXXX that i don't owe to Ms. XXXX XXXX .I have attached the letter to the complaint of the information that I am asking to resolve this problem.
Consumer complaint received 2020-05-16
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for  your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX