davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

5. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete this account.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

I paid off a loan in XX/XX/2023 and it still remains as unpaid on my credit report. I called Edfinancial in XXXX and was told that the report monthly and maybe I just missed the cut off. It's XX/XX/2023 and I still see the full amount outstanding on my credit report. 

I am also having issues with their autopay system. It is not being processed dispute setting it up according to their guidelines. When I called they said it was my banks fault, the back did not approve the request to pull funds. I called my bank and they said that there was no attempt to pull funds. I am being denied the opportunity to get a reduced interest rate because of this. There are several people dealing with this same issue according to several different posts I have read.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

On Friday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was able to place a hard inquiry on my Equifax account. My Equifax account was set as frozen at the time and I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX in the past. The inquiry was placed by someone who stole my personal information and was not authorized by me. When I contacted Equifax they point blank told me it was not their problem although they admitted that there was a " technical glitch '' with my account and the inquiry should have never gone through. All they said is that they filed a technical fix ticket. They have declined now twice to remove the unauthorized hard inquiry and instead told me to contact the lender directly and file a report with FTC. This is absolutely unacceptible as they compromised my personal information and actually admitted to it but chose to take no action to ratify it
Consumer complaint received 2024-07-27
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: Kikoff Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-27
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)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$14000.00}
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX  XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 2024-07-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Equifax Fraud Division On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX : XX/XX/year> - XXXX XXXX : XX/XX/year> - XXXX XXXX ( Request Originator : XXXX XXXX  ) : XX/XX/year> My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Disputed Inquiries ID : # XXXX On XX/XX/year>, I spoke with a representative at Equifax who stated there are no negative items on my report ; however, the My.equifax.com site shows one. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
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. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-22
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. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-19
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)

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 : XXXX # XXXX name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX  XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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.
Consumer complaint received 2024-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (PA)

Since taking out this HELOC every payment that I have sent to Loandepot takes anywhere between 13-18 days to receive and applied to my account. All of my other creditors are receiving payments mailed on the same day in 3-7 days. I can provide copies of checks and when they were posted. However, the payment that I just made on XXXX XXXX XXXX was not received until XXXX XXXX XXXX. I called Loandepot on XX/XX/XXXX to find out where my check was because it was not cashed. I spoke to two people and no one could find the check. After the call ended the check was applied. Each person I have spoken to tells me that I should make my payments via online or by telephone because the mail service is not reliable. However, as I stated above all my other creditors are receiving payments in a timely manner by the same postal service. It is my belief that loandepot is holding payments to increase interest and or charge late fees to its customers -- on my current month they charged me a late fee of {$20.00}.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

XX/XX/year> XXXX XXXX {$350.00} Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ;
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc. (OH)

Subject : Request for Assistance in Resolving XXXX XXXX XXXX Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX XXXX XXXX ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a victim of a severe form of XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or sex trafficking, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX  including debt bondage. Our mission involves supporting and advocating for XXXX XXXX XXXX XXXX, a severe violation of human rights and a modern-day form of slavery. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. 

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

On XX/XX/year>, a payment of {$120000.00} was submitted to Edfinancial Services to pay off my federal student loans. The company, Edfinancial Services sent me a payment confirmation email for the amount mentioned above. 

After processing, the {$120000.00} was successfully processed from the bank and removed from the bank account ; verified on XX/XX/year>. However, Edfinancial Services only applied XXXX of the full payment and did not apply the payment to XXXX of my accounts which I had specifically selected to be paid off. 

On XX/XX/year>, I called Edfinancial Services at their customer service line ( XXXX ) XXXX, to ask about the missing {$23000.00} that I paid towards my federal student loan accounts. I was informed that they do in fact see that XXXX of my loans for a total of {$23000.00} had not yet been paid off despite the fact that I paid the full quantity of this specific account on XX/XX/year>. I was not given a clear explanation of why payment was not applied to this account. I attempted to get clarification on why this account had not been paid off. They said they would send my issue to their " audit team '' who would takeover my case. 

I then asked about how long I should expect until my issue is resolved since there is {$23000.00} no longer in the bank account and the interest rate of 6.540 % is significant on the loan account which already had a submitted payment on XX/XX/year>. I was informed by Edfinancial Services ' representative that I am still liable for the interests that accrues and he could not provide any timeline for how long the issue would take to resolve. He told me the audit team would take care of it. He said that he could not tell me that the issue would come sooner than later and that this is a busy season. 

Lastly, I asked for any kind of confirmation such as email regarding his proposed solution to my issue. However, no confirmation was provided since he explained that anyone I talked to in the future at Edfinancial Services would know about my case. 

I should not be liable for interest on an account that was paid for already with email payment confirmation, successful bank processing of the payement, and the fact that this issue originates from their end, not mine. It is also unreasonable that they can not provide a turnaround time for my case. Over {$23000.00} is a significant amount for my family and more needed to be done to address that as of this writing it is seemingly unaccounted for. 

I requested to make a complaint and the representative verbally agreed that he would submit one on my behalf.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

On XX/XX/XXXX, I sent a transfer with the wise enterprise account, the amount is XXXX USD, and the transfer number is # XXXX. After they deducted the money from my amex checking account, they delayed the transfer. On XX/XX/XXXX, they blocked my account, and did not tell me when they would return the money to me
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have two accounts that are not mine on my credit report. I've reached out to all three credit bureaus trying to get this fixed and I've talked to multiple representatives from all three credit bureaus to resolve this issue and they keep saying it's been verified. So i reached out to the original creditor and they sent me a letter saying they no account with my name or SSN on it. I have sent these to the credit bureaus and they still haven't deleted these accounts can you please help me