davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
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. (CA)

recently reviewed consumer report, there are several unauthorized accounts, inquiries, and late payments listed. As a reference, please see the below accounts, inquiries and late payments : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charged-off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX Inquiry XXXX XXXX InquiryXXXX XXXX  XX/XX/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
Consumer complaint received 2024-05-23
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)

there are a series of unauthorized Inquiries on all XXXX of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.
Consumer complaint received 2024-05-22
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-21
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Complaint Summary : I am submitting a complaint regarding being locked out of my SoFi account, which resulted in significant inconvenience and financial risk while I was traveling. Additionally, SoFi 's response to my formal complaint about this issue was inadequate. 

Details of the Complaint : Issue : Locked Out of Account Incident Description : Date of Incident : XX/XX/year> Date Access Restored : XX/XX/year> Communication with SoFi : On XX/XX/XXXX, I was locked out of my SoFi account and immediately contacted SoFi customer service by phone. 
Despite explaining the urgency of my situation ( traveling and needing to access funds for essential expenses ), I was told to submit a request through the online form. 
The representative informed me that they might get back to me in 2-3 days. However, I did not receive any response until XX/XX/XXXX, which is one week later. 
During this period, I repeatedly called customer service, but each time I was told that nothing could be done over the phone and that I had to wait for a response to my online request. 
Impact : I needed funds urgently while traveling to cover important expenses. Fortunately, I had another debit card and access to other cash, which prevented a potentially disastrous situation. 
Being locked out of my account and the lack of timely assistance put me at significant financial risk and caused considerable stress. 
SoFis Inadequate Response : Upon returning from my travels, I submitted and escalated a formal complaint seeking compensation for my negative experience. 
SoFi simply denied my request with a generic response stating " apologies for any inconvenience, '' which is inadequate and does not address the severity of the issue. 
Requested Resolution : Monetary Compensation : {$300.00} for the significant inconvenience, financial risk, and inadequate assistance provided. 
Formal Apology : A formal apology from SoFi for the inconvenience and stress caused. 
Improvement in Customer Service : Assurance of improved customer service and better handling of such situations in the future to prevent recurrence. 

Contact Information : Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX XXXX
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX  XXXX number XXXX  XXXX payment late year XXXX.
Consumer complaint received 2024-05-23
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. (MD)

I am writing to address an ongoing issue with my credit report. Despite my repeated communications, I continue to receive emails from the bureaus alleging that I am assisting credit repair companies. This is absolutely incorrect. I am personally responsible for sending out all correspondence regarding my credit report. 

I request immediate action to rectify this situation. Attached is the list of HARD inquiries I want to be removed from my report. If this issue is not resolved promptly, I will have no choice but to consider legal action. 

Equifax : 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
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I started service with XXXX  XXXX in XXXX, XXXX  ( Cellular phone and Internet ). The payments were to be debited from my debit card. The Cellular phone service was around {$34.00} and Internet $ 50sh.I have records of monthly debits from my bank for {$83.00} from XXXX. A week ago, I received a notice of collection from a company from XXXX call CBE and they want me to pay {$690.00}, which was owed on my cellular account. I called them and explained that the debt was not valid. It is still on my Credit Report. I also asked XXXX to validate the Collections and they came back with VALID. 

I called XXXX and inquired about the Collection. They told me I AM NOT IN COLLECTION and I also agree to pay them whatever was owed to close the account using my XXXX XXXX and I have a receipt. CBE 's address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and phone number : ( XXXX ) XXXX. XXXX  contact : XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (NC)

I am writing to request that you adhere to federal and state reporting requirements in a factual and indisputable manner without delay. The XXXX has developed a manual, the XXXX, that outlines reporting standards and requirements for adequate, complete, and verifiable data submissions. Any deviations from these standards may compromise the integrity of the data. 

Your current reporting practices are questionable and do not meet even the minimum requirements for the privilege of reporting. As mandated by law, you could have opted to report in a compliant manner, ensuring that your claims were beyond doubt. 

However, your deviations suggest otherwise, and for that reason, among others, I contest your reporting privileges and challenge you to prove that each aspect of required reporting adheres to all necessary adequate practices within your compliant reporting. I respectfully demand that you remove the requested inaccuracies from reporting immediately and without delay. 

IQ DATA INTERNATIONAL - XXXX I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Personal statement I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX  XXXX account number XXXX was discharge in my XXXX bankruptcy filing this is the only other XXXX  XXXX card I have so the dates arealso incorrect XXXX no one would give credit I was still in my bankruptcy, alsoI see it has been reported XXXX they should not still be reporting to the credit bureau
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me XXXX  distress and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.
Consumer complaint received 2018-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION (SC)

I opened a joint account with my under age son around XX/XX/XXXX when he was about XXXX. The account stayed in both our names until a couple of months ago but once he was no longer under age the account was his. He had direct deposit and paid his bills from that account. He married and still kept the account and wouldn't go to the bank with me to close it. I was told at the time the two of us had to be present to close the account. 

In XX/XX/XXXX I entered the BB & T bank in XXXX XXXX Virginia for a financial transaction. During that transaction I was told my son was bouncing checks and he had to pay every time once bounced. I was told there was a check protection program. 

I was told that I could purchase a service were the bank would cover the amount of the bounced check and once my son deposited additional funds the amount of the bounced check would be deducted from those funds. I said I would like to purchase this service. 

Since he is now in is thirties and married I considered the account as his private account so I didn't open any mail from BB & T that had his name on it so I didn't see any information about the account. 

A couple of months ago I found out that since I was the primary account holder I alone could close the account so I did. Since then I've been getting pass due notices on a loan. 

I called the collection agency and the informed me that I did not purchase a check protection program. What I signed up for was an {$800.00} loan with an 18 % interest rate and a minimum payment of {$16.00}. Also they checked my credit rating to issue this loan. 

The words loan, credit rating check, {$800.00}, 18 % interest and {$16.00} never were said to me. I am in shock that the woman I spoke with would tell me one thing then without my knowledge opened a loan in my name. 

I was told the bounced checks would be covered by the loan they issues me and not temporarily covered by them until my son deposited more money. I never would have agreed to pay for his bounced checks at a rate of 18 %. 

I don't know if the woman didn't know what the program was really about or if this is a type of scam but there is no way I would agree to this. 

I called last week and was told someone would get in touch with me by today. No one did. I called again and was told someone would get in touch with me. I haven't heard from anyone. 

Please look into this for me. Thank-you
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I called the XXXX to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the inaccurate information.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (DC)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northland Group Inc (FL)

I am attaching proof that i filed a complaint with the florida office of financial regulation-division of consumer finance. The company XXXX XXXX, XXXX, is a company that isn't licensed to collect in the state of Florida, I verified the license thru the Florida website and this company name or any variation of the spelling is not listed at all. I even called that same office and asked them to verify that was search for that company license was correctly done. I was informed by the rep that my search was done correctly and they did not show that company not having a license. They also informed me that Northland group put in for a name change, to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Norhtland Group informing me that I owe a debt and need to work out a settllement. My complaint is 1 ) they are not licensed to collect in the state of Florida as XXXX XXXX, XXXX which is who contacted me in writing, and 2 ) they are issuing Fraudulent allegations, stating that I owe XXXX XXXX, XXXX, and they aren't even operating under their correct name. This is clearly a FCRA violation.