davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION which took effect XX/XX/2021, You ( Aargon Agency ) You ( Aargon Agency ) have violated the FDCPA 1006.30 ( a ) and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681 ( b ) ( 2 ). 
You ( Aargon Agency ) have no permissible purpose by law to contact third parties with any private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028 ( A ). You ( Aargon Agency ) have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST ( AARGON AGENCY ) 15 USC 1692 ( c ) Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

2 individual claims with Wells Fargo have been filed : # XXXX for XXXX and the other is # XXXX for XXXX. 

We filed these claims in XXXX and have gotten the runaround from Wells Fargo ever since. 

These two checks ( # XXXX and # XXXX respectively ) were stolen from our mailbox and fraudulently deposited into the perpetrators bank account via an ATM deposit. The bank that cashed the check caught the error and reached out to Wells for resolution. Wells will not give us any information as to what bank this is as we have requested that info so that we can follow up ourselves. 

I have not been able to speak to a live person with any kind of authority to resolve the issue. All calls are routed through a call center and they are basically powerless. The just keep repeating " we have 90 to 120 days to resolve this ''. 

As the consumer and XXXX XXXX XXXX we are hard pressed to float a loan to Wells Fargo for 120 days while they figure out their mess. This should be resolved between the 2 banks while Wells Fargo reimburses us for their error. Instead they are making us - the " little guy '' experience financial hardship. We just want our money back so that we can keep our small business afloat
Consumer complaint received 2024-05-29
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. (SD)

Please review why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (WI)

I am reaching out to you as a borrower who has encountered issues related to the Public Student Loan Forgiveness ( PSLF ) program. My primary concern revolves around Mohela 's interpretation of a requirement that does not align with the legislative guidelines set forth for PSLF. 

According to my understanding of the legislation and the information available on the Department of Education website ( www.studentaid.gov ), borrowers are required to be employed at a qualifying employer when they make their 120th payment and when they apply for forgiveness. Nowhere in the legislative text or on the official Department of Education website does it stipulate that one must remain employed at that qualifying employer until the student loans are discharged. 

However, Mohela has conveyed a different interpretation, suggesting that continuous employment at the qualifying employer is a prerequisite for loan discharge. This contradicts the information available on the Department of Education 's website, leading to confusion and concern on my part. By all accounts, I have completed the requirements outlined by this program when I made my 120th payment and submitted my application on XX/XX/2023. 

Additionally, Mohela has asserted that their guidance on this matter comes from the Department of Education. This raises questions about the consistency and accuracy of information provided by Mohela, as it appears to conflict with the official guidelines from the Department of Education. In talking with various Mohela representatives over the past several months, I have also received inconsistent answers. Some representatives say I can leave my qualifying employment and some ( most ) say I can not. 

The miscommunication, inconsistency, and apparent misunderstanding of the legislative requirements have caused significant stress and uncertainty for me as a borrower seeking PSLF. I believe it is crucial for the Consumer Financial Protection Bureau to be aware of these issues and to intervene to ensure that borrowers are treated fairly and transparently. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating a resolution.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$1800.00} is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 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. XXXX XXXX XXXX XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX DATE OPENED XX/XX/year> BALANCE $ XXXX not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-05-29
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. (TN)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating this reporting account as unconfirmed information without producing proof within the legal time range is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-05-29
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

DEAR EQUIFAX I GOT UP ON TUESDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF FRAUD IDENTITY THEFT/A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS LISTED ON MY XXXX CREDIT REPORT.XXXX  XXXX XXXX XXXX IS A FRAUD CREDIT CARD OPENED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, A COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX HELP ME TO REMOVE THESE FRAUDULENT ACCOUNTS
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, 2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-05-29
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-19
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: AMERICAN EXPRESS COMPANY (MS)

In accordance with the fair credit reporting act, American Express has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (MD)

Several attempts has been made to contact XXXX XXXX financial aid office in regards to my current student loans. I attempted to return to school in XXXX XXXX DC at XXXX XXXX XXXX months before COVID ; because of the sudden series of event I was forced to withdraw from attendance while taking care of an elderly loved one.
Consumer complaint received 2024-08-06
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. (AZ)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Please act in good faith and remove any information regarding account ACCOUNT # XXXX from all credit reporting agencies immediately.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
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. (GA)

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 XXXX : XXXX Account XXXX and list of Inquiries.

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 2024-07-30
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. (SC)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-05-29
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. (GA)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-29
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-29
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. (PA)

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 2023-06-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already