davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me 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 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (MI)

Hello, At the end of XX/XX/year>, I received notice that my student loan servicer would be switching from XXXX to EdFinancial. Even though I had enrolled in the SAVE program and set up autopayments, my account with XXXX was once again ( the fourth time ) put in administrative forbearance without much communication as to why and very little I could do with it. In XX/XX/year>, I attempted to log into the XXXX account but I could not get any information as to what was going on or when/if a payment was due. 

On XX/XX/XXXX I received notice that my loan was now officially with EdFinancial. Shortly thereafter I created my online account to review any information that was available. My autopay account information had transferred to Edfinanacial and was already active. The website stated that my payment would be processed on the XXXX of every month. 

Its now XX/XX/XXXX and it does not appear that payment has been processed. In fact now it says that there is {$710.00} past due. None of this really makes sense. 

Please reverse whatever fees and interest have accrued due to the transition from XXXX to EdFinancial. This was not something I asked for, had no way to pay anything and have extremely limited access to information on my own account. Its not really a way to treat people who are just trying to set up auto pay and pay back their loan on time. We are tired of being jerked around with transitions from servicer to servicer, random administrative forbearance and random past due fees with interest. Please reverse this and just let me pay my student loans with autopay in peace. I've got XXXX children under XXXX XXXX XXXX to look after and feed. 

And lastly - XXXX XXXX XXXX XXXX Get it all together and put it in a backpack ; XXXX XXXX XXXX so its together. If you got ta take it somewhere, take it somewhere, you know, take it to the XXXX store and sell it, or put it in the XXXX museum. I don't care what you do, you just got ta get it together. GXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (PA)

This complaint to NOWCOM/WESTLAKE FINANC for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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: LEXISNEXIS (LA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiries : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

I attempted to call Hyundai Finance regarding this issue but one of their reps hung up on me. I also sent a letter to XXXX XXXX Hyundai who called me and stated that it was Hyundai Finance who placed a late payment on my credit report for the XXXX XXXX AFTER I traded it in for a newer vehicle. This was either done by Hyundai as a blatant fraudulent rip off or some type of serious mistake since the dealer had the payoff quote directly from the Hyundai website and made the alleged payment! This fraudulent late entry onto my credit report was done without my knowledge. ( See Ex. 1 & Ex 2 ) I have never been late with my car payments to Hyundai Finance on my XXXX XXXX or any of the other two Hyundai vehicles that I owned. ( Ex 1 last page & Ex 3 ) I made my XX/XX/XXXX car payment on time. ( See Ex 4 ) Which means that I was NOT late with my car payment. 

On XX/XX/XXXX, I went to College Park Hyundai ( CPH ) to trade in my XXXX XXXX because it needed too much work and gave to the salesperson a {$3000.00} down payment. XXXX was supposed to pay off the XXXX XXXX at that point. ( XXXX XXXX XXXX ) On my new car, the monthly payment was due on XX/XX/XXXX. XXXX which I made. ( See XXXX ) On XX/XX/XXXX, Hyundai Finance placed a late payment on my account for the XXXX payment on the XXXX XXXX XXXX which should have been paid off by CPH! After speaking to the representative at CPH, I was told that they made the additional payment. Yet, even after that was done, a negative late payment was placed on my credit report! 

The XXXX. XXXX date refers to the XXXX XXXX. They even added the date closed on the account as XX/XX/XXXX and placed the late payment on report in XXXX, XXXX! 

Hyundai Finance has placed a fraudulent or mistaken late payment on my credit report and I expect it to be removed from my credit report within the next XXXX weeks or I will file a complaint with the court through my attorney for Defamation, Violation of Fair Credit Reporting Act and the Consumer Financial Protection Bureau. I HAVE HAD FOUR HYUNDAIS AND HAVE NEVER BEEN LATE WITH MY CAR PAYMENTS AND I WILL NOT SUFFER A CREDIT PROBLEM BECAUSE OF HYUNDAIS NEGLIGENCE!
Consumer complaint received 2024-09-01
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. (VA)

Equifax regarding your dispute and the potential for litigation : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute negative comment Information on my Credit Report Dear Equifax, I am writing to formally dispute the negative comments currently listed on my credit report Despite my previous efforts to have these inaccuracies corrected, I have yet to receive a satisfactory response or resolution. 

The negative information in question is not only misleading but also XXXX to my creditworthiness. I have provided all necessary documentation supporting my claim, and it is clear that these comments do not accurately reflect my credit behavior. 

Please be advised that if these negative comments are not removed within the next 2 days I will have no choice but to pursue legal action Litigation Lawsuit, to protect my rights and credit standing. 

I urge you to take this matter seriously and to conduct a thorough investigation into my dispute. I appreciate your prompt attention to this issue and look forward to a resolution. 

Sincerely, Also this is displayed on XXXX XXXX XXXX  platform
Consumer complaint received 2024-08-20
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. (FL)

I am a victim of XXXX  XXXX and have told this company and the XXXX credit bureaus as well as sent all my documentation and u am XXXX!! My XXXX  did this not me so take it off my credit report now! You are preventing my daughter and I getting to safety!!
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services ()

I requested enrollment in the XXXX XXXX program in XXXX. I was duly enrolled and received written confirmation from the Department of Education. I was told that my loans had been passed to EdFinancial and that they would be contacting me. I received no communication from Edfinancial. 

I tried to create an online account with them but the information they have on file is not correct and so does not match the identifying information I can provide. I therefore sent them a message asking what the status of the transfer was and how to create an account, given that their information is incorrect. 

They responded ( note that this is the very first communication I have received from them in any form ) by telling me that a ) they do not have an email address for me, b ) they had enrolled me in electronic communication anyway, c ) they had enrolled me in a standard repayment plan, d ) I needed to pay them half my annual income in the next three weeks, e ) I can create an account online but that my information must match what they have on file ( they do not have an email address on file, so there is no way to provide one that matches ), and f ) I can call a number that can not be reached from where I live in order to update my information. 

Their XXXX  decision to choose electronic communication without having an email address to send communications to and then to suggest solutions that they know are impossible is at best incompetent and at worst deliberately corrupt. I simply wanted to enroll in the SAVE program and bring my loans current. They knowingly deprived me of that opportunity.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

A week ago I received a notice and a new debit card from Cardholder Services for an USBANK XXXX. I never requested this card nor do I have an USBANK account. My understanding when researching online this would be triggered by someone filing for unemployment benefits and the government uses this card as a prepaid debit card. I have not applied for unemployment benefits. 
I did not activate the card. I did not contact USBANK because my research shows it could be a big waste of time. 
My concern is how did my name get used to apply for this card? I also want to get this account cancelled. thank you
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened a business credit spark credit card. I went through the fraud verification and the card was opened. Subsequently, I was contacted again, but missed the phone call. I called in to capital one, thinking it was regarding another credit I'd just made a purchase with. I was informed it was about my spark card, which I hadn't received neither did I have the last 4 digits of the card at the time. 

I spoke with representatives who couldn't communicate clearly about my account to the last representative who was extremely rude and did not work to resolve my issue. She said the the letter would explain everything she said. I received the letter today in the mail and it was vague and didn't request any of the information this department requested. I do not like the way this case is being handled. No one can account for the many times we've spoken and I was just given a secure link to upload the requested documents. I am a multiline customer with capital one and this experience has turned me off tremendously. 

My specific complaints are against : XXXX Agent I'd - XXXX EXT :. 
CASE WORKER : XXXX XXXX
Consumer complaint received 2024-07-05
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. (SC)

" 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. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Original creditor : XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00} 1. Charged {$480.00} more than the previous balance from original creditor. 

XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX XXXX had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX  XXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that XXXX  XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX  XXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, Filed bankruptcy, and liquidated all assets.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing to file a formal complaint against XXXX, Equifax and XXXX for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, XXXX, Equifax and XXXX has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( XXXX ) ( A ), XXXX, Equifax and XXXX is required to complete a reinvestigation within 30 days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past six months. 

I kindly request your intervention in this matter to ensure that XXXX, Equifax and XXXX fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against XXXX, Equifax and XXXX for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by XXXX, Equifax and XXXX 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Consumer complaint received 2024-06-18
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MD)

I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

Discover Finanacial Services - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX