davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Hello, I would like to file a report on the XXXX XXXX XXXX XXXX XXXX. I believe that they are trying to withhold funds from me. There was money paid to XXXX XXXX  and I never received my refund check. I should have got {$1000.00}. XXXX XXXX told me that he didnt receive the money and also told me that people from financial aid wouldnt talk to me about it which was a lie. They have a history of stealing money signing for people 's loans and getting loans in students ' names without permission. I also believe that they are comingling funds. Students who have received money said that they got a check from XXXX XXXX 's personal XXXX bank account and not a fountain of youth check. There are student that have never received there kits and theyre almost done with school as well. This has been going on for years according to my research. Im not the only student going through this its a nice amount of students. I hope you can investigate and help us. Here are the links that I found thanks in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (ID)

I paid off my Milestone credit card in XX/XX/year>. They waited until XX/XX/year> to charge me a monthly fee- which they have never done before and I just realized today that somewhere along the line they signed me up for protection on my account without my approval and have charged me over the months without my knowledge different amounts. 
They never told me about a monthly fee or changes to my account. To my knowledge they have never charged me a monthly fee before. Nor have they told me about signing me up for protection. I want all money that I have paid for protection and or monthly fees back because they have never informed me of these charges and I never approved of these charges.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024 I applied for a credit card with Bank of America. They pulled my XXXX credit file the same day ( XX/XX/2024 ). 

The Bank of America application number is # XXXX Bank of America mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to BOA immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/2024 XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that Bank of America processed a SECOND Hard Inquiry on my XXXX credit file without my authorization on XX/XX/2024. I only applied for the XXXX credit card XXXX time on XX/XX/2024. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from BOA. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank of America XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (IL)

Delete account number XXXX and account number XXXX. I am writing to dispute an unauthorized accounts with Aldous and Associates. I have no contract with them and believe this account is a result of identity theft, possibly stemming from a recent data breach. I have registered with IdentityTheft.gov and request that Aldous and Associates provide proof of contractual debt and how they acquired my identity. Since they have not verified this information, I demand that this account be removed from my credit report immediately. They are in violation of 18 USC 1028 and UCC 3-401 and 15 USC 1601-1667 by not giving me full disclosure.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (OH)

Our company had a blanket loan on XXXX properties. We arranged for the sale and partial release of XXXX of these properties XXXX XXXX XXXX XXXX WV. In preparation for the sale we requested a partial release from our lender Selene Finance. The partial release was given and payoff information was sent over XXXX XX/XX/2024 by XXXX reps from Selene Finance, XXXX email was generated from what seemed to be an automatic customer service email : XXXX and another from. XXXX. XXXX  Law located in XXXX WV provided the title work and had requested this payoff information and was the entity which directly received this information. Closing then followed on XX/XX/XXXX and the wire was sent by XXXX  Law on the XXXX to deliver the payoff of the loan in the amount of {$460000.00}. XXXX elapsed and there was no decrease on the principle of our loan with Selene Finance to reflect the payoff. This spurred us to reach out to Selene Finance on XX/XX/2024 to verify the reason for not having the payoff reflected. Selene Finance rep XXXX XXXX began to look further into the situation and said that he was seeing no payment to Selene Finance. This was obviously extremely concerning because the property had already been transferred into the ownership of the buyer and {$460000.00} had gone apparently missing. 

Our next step was to contact XXXX  Law the title company to verify who and where the wiring information had come from. XXXX  Law provided the email chains showing payoff info from XXXX and XXXX. The payoff information was on Selene Finance letterhead and had all of the appearances of having been generated by Selene internally. The wiring instructions directed the payoff to be sent to a bank account named Selene Finance LP Payment Clearing and the bank account is at XXXX XXXX XXXX XXXXXXXX XXXX with Selene Finance notified us via email on XX/XX/2024 that this XXXX XXXX XXXX account is not linked to Selene Finance. At this time this has all of the appearances of fraud and we are extremely concerned. We want to know who this account belongs to, if this money is still in the account with XXXX XXXXXXXX XXXX and if it is retrievable to be sent to Selene Finance to ensure proper payoff.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

iam a victim of identity theft i ve been serving my country and XXXX XXXX XXXX XXXX XXXX for XXXX years and come back home and find a bunch of accounts on my credit report that i have no idea what it is and this is illegal i was never contacted or notified and mailed or emailed and i contacted these banks and asked for contracts and signatures to know who did this to press charges on somebody and no one responded or cared and this is illegal and as of 15 U.S CODE 1692g Validation of debts they should've notified me or mailed me called me but nothing like my life is nothing i have kids in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (IA)

RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear Citibank Best Buy Credit Card Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, Citibank has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/year>, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and Citibank has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, Citibank has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that Citibank alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, Citibank continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with Citibank representatives since XX/XX/year>, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, Citibank has refused to make the necessary changes. 

As a result of Citibanks refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit scorXXXX and reports, causing significant harm to my financial standing. 

I urge Citibank to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (CA)

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. 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 the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Navient Solutions, LLC. (MI)

Back after I left the XXXX XXXX XXXXXXXX gave false information when they worked with Navient. They charged much more than I owed because they took all the money that would have allowed me to clean out my funds then went to sell my account to Navient to try to scam more money and constant harassment to only sell my information and sell my account to far more because of their continuous charges so they can add to the debt for profit. We need to be protected from scammers like this
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

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 XXXX effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I REQUESTED BACK ON XXXX XXXX XXXX  THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). XXXX XXXX XXXX, NOR EQUIFAX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I received a XXXX XXXX that my credit had been run to open an account. I called the company right away telling them I had not applied to anything with them. The agent checked and told me not to worry about it and ignore it. I told him no because someone had my information. After the call was disconnected.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CO)

On XX/XX/XXXX my account was restricted. The company asked for information to unlock my account. I provided the information on XX/XX/scrub> 2024. However, in subsequent attempts to contact the company no one has responded. My account is still restricted, and I can not access my skrill debit card or funds.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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/year>
Consumer complaint received 2024-09-13
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: Possible Financial Inc (TX)

The negative rating on my account is a source of considerable XXXX for me. I'm gravely concerned about how it may affect my credit standing. This issue has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has inflicted upon me, which will persist until the matter is resolved.
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: AMERICAN EXPRESS COMPANY (MA)

I opened my credit report in XX/XX/year> and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX AMEX-XXXX AMEXXXXXXXXX also I filed a police report again this time in XXXX and I did send them the XXXX one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or around XX/XX/XXXX I recieved a letter from Kohls stating that Capital One would be taking over all Kohls credit accounts this year and they added a list of benefits along with all your typical credit card fine print. After reviewing I decided I did not agree to these new terms and so called the Kohls credit card company to close my account. It took a couple phone calls due to being hung up on, but i did manage to close the account and then later that month recieved the written confirmation of the Kohls card closing. Forward to today, XX/XX/XXXX, I recieved in the mail a new Kohls Capital One Visa credit card with a limit that matched my Kohls account. It states that this is " for my new account ending in XXXX XXXX XXXX XXXX XXXX. I had already spent well over an hour cancelling this account and am now having to spend even more time on a credit card that wants to charge me a crazy high interest rate if i do use the card. It's more than the discount one recieves for using the card. Not to mention all the other hidden fees and loop holes to charge you where and when they can. Capital One is not presenting themselves to be a benefit to my wallet nor anyone elses from what I've read!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

I have requested multiple times for removal. I have been fighting this issue for YEARS now. As a XXXX Veteran and someone who no longer has outstanding loans with Navient, the practices of this company are malicious and not valid.