davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Winklevoss Exchange LLC (SC)

I have been in XXXX different data leaks. Not XXXX company made an effort to inform me of any of this. My personally identifying information was found on the dark web  and sold. I will attach a complete list of companies, if you will give me a chance to compile. Some of these companies had already been taken in front of the FTC. I have never received any notice or information. I am only now learning of all of the damage that has been done to me. My be informations that were taken has been : Name, Birthdate, place of birth, maiden name, married names Social Security Number, Adresses, telephone numbers, work, bank accounts, every piece of information except for the fact that I am a convicted felon. Through a little research, I have found that I have someone passing themselves as me in XXXX. This person even uses my address in XXXX, XXXX. Unbeknownst to them, that is the address of a state approved halfway house for prisoners being released from state prison that has no actual home plan. I will gladly gather all of the evidence and send it in as well. Off hand, I have been in XXXX data leak. XXXX. And quite a few more, like I said, XXXX different data leaks. This has diminished my credit. My information is still being used in all different ways. All obtaining bank accounts, credit, and even with private businesses. I can not get a home loan, any type credit product, or financing for nothing. Not even the legitimate business I am trying so very hard to start. This has lead to a complete financial hardship on me.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IN)

I have contacted Aidvantage several times in regards to my discharge that has been completed by The Department of Education since XX/XX/year>. Aidvantage has given me the run around about why they havent discharged them although I am apart of the borrowers defense discharge. My loans have been completely zeroed out per the FSA website and my credit report. I have reached out to The DOE and made sure my discharge has been processed and they told me they were 100 % discharged. I only owed {$1900.00} of a remaining balance for those student loans and the only reason thats owed is because they returned the money back during covid. Now Aidvantage is stalling for time on zeroing out those loans and issuing my refund that I paid into those loans. I have submitted several complaints with them and XXXX which have gotten me nowhere. I did speak to an advocate from XXXX but haven't heard anything back. That was earlier in the month. Aidvantage told me to reach out to XXXX XXXX XXXX XXXX about them sending approval then they directed me back to my servicer. I was specifically told to submit a complaint with an ombudsman because they are giving me the run around and not going to resolve the issue. I feel as if they are trying to hold my refund owed from XXXX XXXX because XXXX XXXX XXXX XXXX and XXXX XXXX XXXX but they aren't outstanding as I am XXXX XXXX XXXX XXXX. Everyone is having a hard time and this is suppose to bring relief to borrowers but its actually very stressful especially when you know you are owed money but cant get to it. I deserve my refund as everyone else who attended XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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: Resurgent Capital Services L.P. (SC)

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against LVNV Funding LLC regarding their handling of my account with account number XXXX, originally from XXXXXXXX XXXX XXXX  XXXX. The following violations of the Fair Credit Reporting Act ( FCRA ) have occurred, and I am seeking your immediate assistance in resolving this matter. 

Despite showing the account as " Paid off, '' LVNV Funding LLC has reported a balance of {$650.00} and states that this amount is past due as of XX/XX/XXXX. This is a direct contradiction and violates FCRA 611, which mandates that information furnished to consumer reporting agencies must be complete and accurate. This conflicting status is misleading and damaging to my credit profile. 


The payment history shows several months with missing or incomplete data, specifically XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In some months, the status is reported as " C '' ( Collection ), while other months show " ND '' ( No Data ), making it impossible to assess a clear and consistent payment pattern. This violates FCRA 623, which requires furnishers to report accurate and complete information. The failure to provide a full and consistent payment history creates a misleading credit report, harming my creditworthiness. 


The last update to this account is listed as XX/XX/XXXX, while the balance was only updated in XX/XX/XXXX. FCRA 623 requires that furnishers of credit information update accounts in a timely and accurate manner. The lack of proper and timely updates further misrepresents my account status and negatively impacts my credit score.

Although the account states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), '' no meaningful investigation or resolution has been provided. The ongoing inaccuracies, such as the conflicting balance status and the incomplete payment history, clearly show a failure to investigate or correct these issues under FCRA 611. This also implies non-compliance with the obligation to thoroughly investigate disputes.
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BROKER SOLUTIONS, INC. (AZ)

I was closing on a condo- it was set to close on Friday, XX/XX/year>. On XX/XX/year>, my lender, XXXX XXXX from XXXX XXXX called me and said that I couldn't get the condo because it did not pass the condo questionnaire. The lender never told me about the condo questionnaire and implied that everything was set to go before this phone call. I have lost a significant amount of money because of this lack of disclosure and would not have paid for lease breaking, appraisal, or inspection if I had known that the condo was possibly not even eligible for a loan. He did not inform me of this until a week before closing and the only compensation that I was offered was a credit for my past appraisal amount and a free future appraisal for my next deal if I continue to use the lender. Because of his lack of disclosure, I am out thousands of dollars, lost a deal, and currently do not have a home. 

The contact information for the person I was working with is : XXXX XXXX Loan Originator NMLS # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-24
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. (AZ)

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. 
Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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. Someone used my social security number to open these accounts.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. Balance {$2600.00}. XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$1500.00}. XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$0.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$400.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately.
Consumer complaint received 2024-09-25
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)

XXXX XXXX XXXX 120 days late. 
{$2700.00} past due XX/XX/XXXX. 
The past due payments, and amount reporting as late are both incorrect. 


2. Department of EducationXXXX is listed on my credit report four times with the same account number and different information that don't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Erroneous Late Payment Information XXXX XXXX XXXXXX/XX/XXXX ( 60 days late ) Charge off amount XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-24
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. (MA)

I have filed multiple disputes and mailed them to Equifax, XXXX, and XXXX. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX  XXXX. 
XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  has violated my rights. 

I looked at my exquifax credit report on XX/XX/2024 and noticed some things are 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
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. (TN)

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received.

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report.

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

I had a auto loan with XXXX XXXX. I did not make the XXXX payment because I traded the vehicle in at XXXX XXXX in XXXX XXXX. I traded the vehicle over XXXX XXXX weekend on XX/XX/year>. I have documentation showing that I gave XXXX XXXX authorization to assume responsibility of the payoff at the time of purchase for my new vehicle. On XX/XX/year> XXXX XXXX reported my payment 30 days late. I tried to call and explain the situation and they requested I send them paperwork showing I traded it in. I contacted XXXX XXXX and have the documents. I tried calling XXXX XXXX, but after hours on the phone try to speak to a representative, I have not been able to do so. I then tried to handle the issue via chat on while in my account page of XXXX XXXX XXXX. I was told they can not help in the chat feature after speaking with XXXX. I explained my issue of not getting through to someone and asked if she could please have someone contact me. After asking, I was told " she can not do that '' and she closed the chat. This is an issue that has impacted me significantly. I am in the middle of opening a business and this incorrect late payment being reported to the credit bureaus has dropped my score over XXXX points.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.