davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

When XXXX forebearance ended and repayment began in XX/XX/XXXX, I enrolled in the SAVE program which allowed me to pay income driven payment per month with the contingency that the government would pay accrued interest if the monthly payments were not large enough to cover the interest ( effectively meaning that interest would not be accrued on a month to month basis ). I have been in contact multiple times with my loan servicer ED financial regarding this. Despite being enrolled in the SAVE program and paying my monthly payments from XX/XX/XXXX XXXX XXXX ( prior to the new federal forbearance ), my total balance of my loan continued to accrue interest. I have been told by numerous representative at edfinancial different answers. Some examples of answers I have received were that the site was not updating or that they would remove accrued interest at the end of every month. This has never been the case. Most recently, I am being told that since my loan repayment began in XX/XX/XXXX, I was placed on admin forbearance which entails that my loans would accrue interest. This is not accurate as I have documentation that I was enrolled on the SAVE program and have been making monthly payments through that plan. When I told them this, they argued with me that I was enrolled on admin forbearance and not on the SAVE program. I was able to provide proof that I was on the SAVE program. When explaining the SAVE to them, they then shifted gears and told me that the reason why my account accrued interest was because I never recertified to continue the SAVE program. To my knowledge, there was no reason to recertify because it hasn't even been a year since I initially enrolled on the SAVE program. Furthermore, I have correspondence from ED financial in XXXX of XXXX that states that they proactively extended my IDR plan and that at this time no further action is required. So basically from XXXX XXXX XXXX of XXXX despite making my monthly payments, my account has accrued XXXX dollars in interest despite being on the SAVE plan during that period in time. I tried to rectify with the loan servicer but they keep giving me the run around.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc. (AZ)

I was a few days late on my car payment the car loan company took the car without notifying me on their end it said that I was 2 months late but I was only 12 days late and I paid the repossession fee to get the car back and now it show as of yesterday that there is a repossession on my record which I want that removed ASAP!! I have my car back
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

on XX/XX/year> Transworld systems called me from XXXX. A woman at the other end of the phone asked for a person. I asked what is Transworld systems? She then said in a attitude " don't you have internet access? " Sadly enough I do not and due to my financial situation felt belittled and felt less than only because I don't have internet. I ask if she can not tell me what Transworld systems is to please put on with a supervisor, she said " one second and placed me on hold, then came back and said is this XXXX? I said ma'am this is my 3rd time asking for your supervisor, please put me on the phone with them since you are refusing to identify your company. then she kept talking over me and that agent hung up on me, I am so stressed because of this.
Consumer complaint received 2024-10-04
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC (KS)

On XXXX. XXXX XXXX XXXX XXXX XXXX XXXX sent a garnishment from Speedy Cash employment to my employer XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. For a loan/returned check from XXXX. The statue 0f limitation has passed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported.

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.
Consumer complaint received 2024-08-28
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. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-03
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)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which is fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, this inquiry remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-10-03
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)

This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information.

Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ).

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe.

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit.

Relevant proof of my identity drivers license, ssn.

This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file.

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.
Consumer complaint received 2024-09-23
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. (CA)

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name : XXXX XXXX Amount Reported : {$21000.00} Creditor/Lender Name : XXXX XXXX Amount Reported : {$7100.00} Creditor/Lender Name : XXXX Amount Reported : {$10000.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within 30 days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports.

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account.

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law.

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (LA)

I've been trying to get MoneyLion to remove a closed account from my credit report. They incorrectly reported that I had a late payment, but when I showed them that not only did I not have a late payment, I was also refunded when I closed my account. Now, they are refusing to remove the closed account from my credit report. I'm requesting that this issue is resolved asap.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America machine and deposited XXXX dollars and the machine only registered XXXX dollars instead and I went inside the bank and made a teller deposit with should of been a total of XXXX dollars the bank not being up front about when the money would be replaced in my account and money is disappearing out my account
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (NC)

I contacted KLS Financial on XX/XX/XXXX at XXXX EST, left contact information for XXXX XXXX and never received a return call. I called again on XX/XX/XXXX at XXXX EST and spoke with both XXXX and XXXX . 

Upon requesting to dispute the request for charges that didn't make sense, XXXX derailed the conversation after latching on to a piece of a statement I made during the call and repeatedly questioned me about this piece of information in a manner that seemed as if she were trying to get me to confirm information that would favor their company. I asked multiple times to move forward with a dispute and was continually told that even if I submitted a dispute it would still appear on my report. Even after confirming numerous times that I still wanted to move forward with the dispute, she kept pushing that it would still appear on my report. After finally getting confirmation that it would be disputed, I asked for her name for my records where she seemed to try to avoid the question so I would give up without getting that information. 

I was then transferred to XXXX who repeated the same information, and repeatedly questioning me about the same details that XXXX latched on to. She informed me that XXXX passed along the single piece of information that she had latched onto earlier in the call. During the round of questioning with XXXX, in an attempt at intimidation, she did make sure to go out of her way to inform me that what I had said previously was made on a recorded line. 

Though I requested a dispute, XXXX continued to push the notion that this would still be reported and that they would be reaching out to my medical provider for confirmation of the charges. This statement was made after informing me earlier in the conversation that KLS had no information about the details of the charges other than the amount and original creditor name, a third party. 

To provide additional context, the debt being collected is for supposed charges of well under {$500.00}. As a debt collection agency, KLS is well aware that as of XX/XX/year> XXXX, XXXX, and XXXX stopped adding medical debts of less than {$500.00} to consumer credit reports. 

KLS knowingly tried to use false information to try to get me to pay a debt that ( 1 ) is incorrect and unconfirmed, and ( 2 ) is not even eligible to be added to a credit report.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you