davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I have a static monthly payment with EdFinancial of {$300.00} where they're due on the XXXX of each month. Each payment cycle, I split the {$300.00} between two separate payments aligned with when I get paid from my employer. I made a payment on XXXX XXXX XXXX towards my XXXX  statement amount due and it was not applied properly.

On XXXX XXXX XXXX, I made a THIRD payment, as a 'future payment ', to deduct from the amount due in XXXX in the amount of {$150.00}. When the statement for XXXX was released, it said I was required to pay the full normal amount {$300.00}. Therefore, my payment wasn't applied to XXXX 's amount due. In early XXXX, I used the Chat feature for EdFinancial and requested them to fix. They put in a ticket on their end and said it could take a few weeks. I made only one other payment for XXXX in the amount of {$150.00}, totaling the {$300.00} for the month. XXXX came around and I received a statement with an amount due of {$300.00}, however, my online account showed I was {$150.00} overdue. I made payments of {$150.00} on both XX/XX/XXXX and XXXX. These payments totaled {$300.00} instead of {$300.00} because the amount due was somehow off and paying {$300.00} left a remainder of {$150.00}, which equated to the {$150.00} payment I made on XX/XX/XXXX that didn't get applied to my account 's current amount due. I called their customer service on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update on the ticket to correct the issue and they said it was still in progress. 
I've now received my XXXX statement and it says I owe {$460.00}. I called XX/XX/XXXX XXXX XXXXXXXX XXXX and they stated my previous ticket was submitted incorrectly and they had to create a new one, but would completed within 5 business days. That same day, I went ahead and made a payment of {$150.00}. I checked and my account now shows I have a remaining balance of {$300.00}, therefore, my balance was never corrected. I should have a remaining balance due of {$150.00}. The difference is {$150.00}, which is the third payment on XX/XX/XXXX that never got applied to the amount due. 
I called EdFinancial today at XXXXXXXX XXXX and the first person I spoke with hung up on me after pretending they couldn't hear me some time into the call because it became heated. I called back at XXXXXXXX XXXX and was told my account has been corrected, yet it evidently has not. She then said there was nothing more they can do to help me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Mailed off a report on XX/XX/2024 Stating inquiries did not belong on my report. 
Included fraud report and all. 

XX/XX/XXXX I received a stall letter saying that they needed to confirm my identity when my drivers license and bill were sent in confirming the same. 

They want until XX/XX/ to investigate. They legally have until XX/XX/- they are stalling and they have everything they need. They are not investigating and notorious for doing so!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 account listed without my expressed written consent.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX. 
I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (IN)

Wakefield Associates has sent multiple letters saying we owe a debt to XXXX XXXX. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.
Consumer complaint received 2024-03-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

I am trying to remove my authorization from JPMorgan credit card. I called JPMorgan Chase credit card member services to ask for the removal of my information and authorization from this account but the said to me, I couldn't remove myself from the account. The member services representative said I had to get the card holder to call or get on the app to release my information.
Consumer complaint received 2023-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (UT)

I have tried almost a dozen times to get a hold of someone with my mortgage company. I press 4 for information on taxes and have waited over 4 hours on hold to speak to someone each time, and even 6 hours once before giving up. There is no way to leave a message and tbe automated voice says you can press 1 to hold your spot in line and they will call you back, but they never do. I've sent various emails asking to be contacted to ensure escrow pays for the property taxes and they have made no attempt to contact me in any way or even email me back. 
This is an ongoing issue and once interest rates drop again, I will be finding a new mortgage company asap. Village Capital is horrible
Consumer complaint received 2023-11-07
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'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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Subject : Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear Sir/Madam , I am writing to request the removal of a hard inquiry that was placed on my credit report on XX/XX/year>, by XXXXXXXX XXXX  . This inquiry has negatively impacted my credit score, and I am concerned about its presence on my report.

To the best of my knowledge, I did not authorize or consent to this hard inquiry, and I believe it may have been added in error. As a diligent consumer who regularly monitors their credit, I was alarmed to see this inquiry and am requesting its immediate removal from my credit report. 

I would appreciate your prompt attention to this matter and request that you investigate and remove this hard inquiry as soon as possible. Your assistance in resolving this issue is greatly appreciated.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: VW Credit, Inc (PA)

Struggling to pay the monthly payment as well as reposition. VW credit company. 
XXXX XXXX XX/XX/2023 Payment was {$790.00}. I shouldve never taken the vehicle or the loan, but I was in a XXXX XXXX and thought I needed it. Struggled to pay the monthly payment until XXXX. XXXX - i returned the car to the dealership, but its still a reposition on paperwork. Theyre saying I owe XXXX when really I should only owe the remaining balance of my loan while I had the car.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-03-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you in the strongest terms possible regarding the presence of a fraudulent account on my credit report. It has come to my attention that there is an account listed under my name that I have neither authorized nor had any association with. This is an egregious error on your part, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (PA)

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (VA)

On XXXX XX/XX/XXXX  I received a denial letter from Discover stating that an application for a Discover it chrome Student Card was denied because status of existing/prior Discover account ( what that refers to is a bankruptcy filed that a previous account with Discover was included ). 

So I submitted a dispute with Discover and on XXXX XX/XX/, I received a letter from Discover stating a fraudulent application was submitted using my name and SSN # and Discover would not open an account or continue to process the application and that the inquiry would be moved from a hard inquiry to a soft inquiry. 

Discover said it takes 90 days for XXXX to update my report with the correction and yet it has been six months XXXX XX/XX/XXXX  and the issue has still not been corrected. 

I am requesting that it be removed from my credit report completely.
Consumer complaint received 2024-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX  account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the 3 Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

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
Consumer complaint received 2023-10-26
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX