davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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'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 2024-09-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Discrepancies on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies and discrepancies on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of information reported, and I am requesting an immediate correction of the errors detailed below. 
Discrepancies Noted : 1. U.S. Department of EducationXXXX XXXX Original Creditor : Direct Loans ) * Account Number : XXXX * Discrepancy : Variations in balance and payment status across reports. 
* Details : * XXXX : Balance {$4400.00} ; Payment Status Current * XXXX : Balance {$8800.00} ; Payment Status Paid as agreed * XXXX : Balance {$4100.00} ; Payment Status Current XXXX. DEPTEDXXXX * Account Number : XXXX * Discrepancy : Inconsistent account status and reporting. 
* Details : * XXXX : Balance {$2200.00} ; Status 120 days past due * XXXX : Balance {$2200.00} ; Status Paid as agreed * XXXX : Balance {$2100.00} ; Status 120 days past due Requested Action : 1. Please investigate these discrepancies and provide a detailed explanation for the inconsistencies.

2. Correct the inaccuracies and update my credit reports to reflect the accurate information.

3. Send me written confirmation once these corrections have been made.

I have attached copies of my credit reports from each bureau highlighting the discrepancies for your reference. Please address this matter promptly and in compliance with the FCRA. If further documentation or information is required, please contact me at the above address.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately 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 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 XXXXXXXX EQUIFAX : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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: Cascade CISS Holdings, LLC (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct.

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>, I received a text message asking me if I authorized a ATM withdrawl in the amount of {$1500.00}. I stated no. I then received a call which stated it was from Wells Fargo and their phone number. I have since learned it was a spoofed number and not actually Wells Fargo. The gentlemen stated his name was XXXX and rattled off an employee number. He then proceeded to state that they were investigating my particular branch manager for selling customer information. He then asked me to verify my email address which I did. He asked me if I knew 4 diffferent individuals which I stated I did not. He also wanted me to go up to the bank, not telling them what I was there for, but to draw out my savings account in full. I then hung up the phone and went up to the bank with him calling back repeatedly. I spoke to the branch manager and she stated this was a scam and to ignore it. When I went home, I tried to log into my banking app and the password had been changed. Once I finally got into the app, I saw that {$500.00} has been XXXX XXXX out of my account, along with {$3000.00} out of my savings account. I called the Fraud dept, gave them all of the info, and received a letter stating that I authorized this transaction which I DID NOT and I basically am out the {$3500.00}. Please help as they do not care about a 30 plus year customer. I have also filed a police report in regards to this matter.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

per the credit report they made {$84.00} is the balance they are seeking to collect. I requested debt validation repeatedly they did not provide me as of now. They reject certified mail. I doubt the legality of this collection company.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the FCRA account # XXXX XXXX  CAPITAL ONE Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> I initiated XXXX transactions with my Sofi debit card at an XXXX ATM  XXXX ID XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The first transactions failed to dispense the {$XXXX} I requested. The second transaction dispensed the {$XXXX} I requested. My Sofi bank account was debited for both transactions. I called the number listed on the ATM ( XXXX  ) and was given case number XXXX to give to my bank ( SOFI ) for the failed ATM transaction. The agent stated that funds of {$XXXX} had been credited back to Sofi Bank and that Sofi Bank would need to credit my account. The same day, I made a transfer of {$XXXX} from my XXXX account to my XXXX account to cover the {$XXXX} ATM failed transaction. XXXX XXXX completed at XXXX XXXX  on XX/XX/year>. ID XXXX. On XX/XX/year> XXXX returned a {$XXXX} payment to XXXX that I had initiated on XX/XX/year> on XXXX 's payment website. XXXX charged me a {$XXXX} insufficient funds fee and a {$XXXX} late payment fee. On XX/XX/year> XXXX processed the XXXX transfer I made on XX/XX/year> and I filed claim dispute # XXXX with Sofi Bank for the failed ATM transaction of {$XXXX}. On XX/XX/year> I Initiated a new payment of {$XXXX} to XXXX XXXX and XXXX processed the payment on XX/XX/year>. On XX/XX/year> at XXXX XXXX  I Chat with XXXX agent online and request {$XXXX} fees be reimbursement to me for XXXX fees charged. XXXX declines my request and ends chat. On XX/XX/year> I received a provisional credit of {$XXXX} from Sofi Bank. On XX/XX/year> I receive an email from Sofi Bank with a denial letter of claim and notice of funds being debited for {$XXXX} on XX/XX/year> for the provisional credit issued on XX/XX/year>. I filed a XXXX on XX/XX/year> with XXXX for the {$XXXX} failed ATM transaction. On XX/XX/year> I received an email from XXXX with a denial letter of claim. On XX/XX/year> at XXXX am, I started a chat online with Sofi bank to request claim denial supporting documents for the claim filed XX/XX/year> and to find out the dates the XXXX claims would be closed out on the network. They confirmed that claim XXXX closed on XX/XX/year> and claim XXXX closed on XX/XX/year>. Supporting documents are emailed to me and they reference an account that is not mine with an ATM transaction of {$XXXX} in addition to the XXXX transactions of {$XXXX} each that I initiated on XX/XX/year>. I've gone through XXXX escalated case process to try to recover the {$XXXX} failed atm transaction, but they denied the claim because XXXX still has open chargebacks on the network.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VI)

I am submitting this complaint regarding a fraudulent debt reported by Transworld Systems under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Violation : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the FDCPA, I am entitled to receive written notification of any alleged debt, including information about my right to dispute the debt within 30 days. I did not receive any such notice from Transworld Systems. As a result, I was unable to exercise my right to dispute the debt, which is a violation of my rights under the FDCPA.

2. Fraudulent Debt Reporting ( FCRA Violation ) : This debt is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no information related to identity theft or fraudulent activity may be reported on my credit report without my consent. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my consumer rights under the FCRA. 
3. Failure to Cease Communication ( FDCPA Violation ) : Upon discovering this fraudulent debt, I formally requested that Transworld Systems cease all communication with me regarding this debt, as allowed under 15 U.S.C. 1692c ( c ) of the FDCPA. Despite my request, I continued to receive communication from them, which constitutes harassment and a further violation of the FDCPA.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately 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
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

EQUIFAX is reporting the wrong information regarding my Va Loan with XXXX. I sold my house XX/XX/2022 and they ( equifax ) has me 90 day delinquent XXXX, XXXX and XX/XX/2022. I did not own the house during that time, XXXX and XXXX has the correct information. I contacted Equifax and they still haven't removed the incorrect information and this is critical for me because I am trying to purchase a home and I'm getting the run around. Please help
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.