davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (OR)

On XX/XX/22 I obtained my credit reports from XXXX, XXXX, and Equifax and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX XXXX ( ACCT # XXXX ) and a XXXXXXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$8200.00}, XXXX XXXX Balance : {$5600.00} "
Consumer complaint received 2022-07-12
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: Rent Recovery Solutions (CO)

Had my identity stolen in XXXX of XXXX. Made an ftc report etc, I didnt know of the debt until it reported on my credit along with other companies with accounts I didnt open. 

I tried to reach out to the company in XX/XX/XXXX, including sending a letter letting them know it was fraud and to take it off my credit. However I got no response and today is XX/XX/XXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$4000.00} XXXX {$2000.00}
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX 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 2022-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CO)

XXXX XXXX was supposed to assist us with closing a HELOC but then created a word document about us working XXXX XXXX. Which one party on the loan also works for a XXXX  and for requests like that YOU the loan processor are supposed to request that. XXXX literally said she didn't know how to do it and that we had 3 days to get it figured out or she'd close it. This process was less than 3 weeks open. And that harassment was the first time she contacted us. All over a work XXXX XXXX letter? All these requests were given, even the job letter that states its work XXXX XXXX was deniedit seems she trying to not allow our loan to process. And when another loan processor was requested, XXXX XXXX XXXX XXXX we had to deal with it and that we had to harrass our HR for more documents to get a loan. Any institute that I've proceeded with aloan through even Navy Fed has actually done their job but not these 2 ppl. They've went out of their way to lie and herras us to kill the loan. 
They literally were trying to make sure our jobs knew we were taking out loans and trying to sabotage us from getting them.
Consumer complaint received 2022-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XX/XX/2022, and XX/XX/XXXX XXXX XXXX I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested, they do not call me and to correspond by written correspondents through the mail.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-11
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: Nelnet, Inc. (VA)

I had one account with great lakes loan which was in great stands by the way since XXXX. I received and alert XXXX, XXXX XXXX and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education Nelnet who is a debt collector. They told me greatlakes gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. Great lakes said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. Nelnet report 9 account of student loans account to my credit report that all have the same account number. Nelnet reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC USDOE/XXXX- XXXX {$0.00} paid % in full DEPTEDNELNET XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

I bought a new heating, and air conditioning system ( XXXX ) from a local vendor. They told me that Wells Fargo ( WF ) provided 0 % financing, and inspite of a poor prior relationship with that financial institution, I begrudgely accepted their offer. WF gave me a high line of credit to cover the purchase, and if I wanted some sdd ons. The problem is that it is a credit card, and is reported as a revolving account through the credit bureaus. Like I am going to buy another {$20000.00} dollar XXXX system with my WF credit card. It should be annotated as an " installment loan '' on my credit reports. I contacted WF and they updated the credit reports with the same data. The monthly WF billing statement reflects the name of the manufacturer of the XXXX, XXXX. The account is also labeled XXXX. Wells Fargo is not alone in this practice, I've seen this done with other lenders, for mostly household goods such as appliances and furniture, one off purchases.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

My authorized user lost her credit card and three unauthorized charges were made in XX/XX/2022. I disputed the charges and then Barclays re-added them to my balance claiming they were authorized. In XXXX, my authorized user sent a letter with documents to Barclays, re-disputing the charges. Barclays has not finished investigating but has left the charges on my account and they are accruing interest because I refuse to pay for unauthorized charges. The total amount of the charges is {$77.00} and the accrued interest so far is {$3.00}, not including interest accrued since my last statement.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX accounts -XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 2022-07-11
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: EQUIFAX, INC. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXXpened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}
Consumer complaint received 2022-08-23
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

This involves an amount owed to my sons former apartment complex while he was in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. My son received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. My son is not familiar with the debt and taken off guard and he asked ProCollect Inc to call me as I was the guarantor for my sons lease. I spoke with a representative about the debt. He also demanded payment from me. I asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my son nor I have ever received any correspondence from ProCollect Inc. I told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. I then asked the representative again to mail me one letter to verify the debt and I would pay it off. The representative refused and stated he could not help it if the USPS did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my sons credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing XXXX disputes.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

XX/XX/XXXX. XXXX. Got a phone call of someone pretending to be our utility company about to shut off power due to non-payment of last XXXX bills. They knew our address and amount of the XXXX bills. Long story short, talked us into paying the XXXX bills ( XXXX combined ) and an additional payment of XXXX. We paid this via the XXXX button in our online banking app, to a person named " XXXX XXXX ''. Shame on us. We called the bank while the transactions were still in " pending '' but they wouldn't do anything. 

Subsequently, we made a dispute claim XXXX XXXX, made a police report, and are trying to talk to XXXX fraud department that handles our bank, but so far are on hold, 1+ hours as I write this. We didn't know XXXX is like cash and offers no consumer protection. We thought since we were using it THROUGH our bank website that there was some protection and/or ability to reverse while still in pending. 

Then I learned that a consortium of banks invented XXXX! Now I'm not trusting my bank so much... 

The bank won't help because because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions, and we authorized these transactions. 

But, I learned that in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

I always loved my bank- now, not so much...
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Ive applied and got the American Express Delta Airline Gold card with the 70,000 miles sign on bonus included. After I pass the spending requirement, Amex didnt give me the bonus. I called customer support many times and they were extremely not helpful and said things that are unrelated to me such as ( you had this card beforewhich is not true since its my first Amex Delta card! ) Im XXXX off!!
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (PA)

To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX CC : Attorney General XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Equifax, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Equifax, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
directly affecting my creditworthiness and reputation. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. 

Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, US DEPT ED account XXXX, XXXX account number XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions