davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-03-13
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: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-03-13
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/2015 and Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Collectors International, Inc. (CA)

I received a call from this debt collection agency XX/XX/23 claiming XXXX  XXXX XXXX XXXX XXXX is attempting to pursue litigation, I advised the rep this was an error and Id call the pet hospital. After speaking with the hospital they indeed confirmed the file was sent over in error. 

I called the agency back to obtain an ID # and or complete name of the women that made the call as she failed to state the XXXX XXXX. I was transferred over to XXXX, he refused to provide me with any details and stated I used a XXXX slur and that I needed to call back in a calm manner. He claims he is not required to provide me with any information and terminated the call. All calls are supposed to be monitored and recorded, I like a XXXX to call me back so we can discuss how they are in violation of the FDCPA and additionally, how he wrongfully accused me of of making XXXX slurs.
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

Someone used my information to get credit from a bank and supposedly made few payments and stop making payments and now is on a debt collection company. The account was open XX/XX/2020 with SYNCHRONY BANK and then sold it to XXXX XXXX XXXX, XXXX. On XX/XX/2020. I called this company to disputed. I dont know whats next, I received an envelope with a form to fill and send back.
Consumer complaint received 2023-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the Experian 's part to investigate.
Consumer complaint received 2024-04-23
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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against XXXX on behalf of XXXX XXXX, regarding an account that was improperly placed in collections and is now threatening liens on my personal property. 

I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. 

I request that XXXX and XXXX and its agents immediately cease and desist all collection activities related to this account, including any actions that threaten liens on my personal property. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Hello, I have many old charge offs from private student loans. The worst of them is XXXX. They have incorrectly reported my first date of delinquency. 
And payments are being shown as made, account current, or just plain no data showing at all. All these charge offs are XXXX XXXX XXXX and I have the payment history proof from my navient account to prove it. Most have a first date of delinquency as XX/XX/XXXX. A couple have XX/XX/XXXX. Both of which are old and should have fallen off. Experian and XXXX are showing a XX/XX/XXXX drop off date, which is incorrect. Please help me. 
This has ruined my life for so long. I have current disputes out through a credit repair company since XXXX with no luck, so I have recently disputed myself online. I have submitted my last payment made navient documentation so it should be a no brainer I dont understand. 
There are other private student loan issues. 
One account is very old with a first date of delinquency as XX/XX/XXXX but they keep reporting missed payments as newly missed reaging the debt. Account is XXXX. Another is XXXX and XXXX, also with original dates of delinquency in XXXX but they are showing XXXX, and I have no access to my account anymore to prove it. 
Please help me. These charge offs are so old and need to be removed. These loans were taken out as a student as early as XXXX. And the rest of my credit has been responsible after I got a good job and paid off what I could. Thank you. so much for helping me.
Consumer complaint received 2016-11-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd. (WI)

Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-23
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Inquires : XXXXXXXX XXXX XXXXXXXX - XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - XX/XX/2023 : XXXX XXXX XX/XX/2023 :
Consumer complaint received 2023-04-28
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XXXX, 2019 Wells Fargo closed my account for no reason after banking with them for 2 years. This greatly inconvenienced me as I had to find a new bank, open a new account and update my direct deposits and payment methods. When asked about why my account was closed, they had no reasonable explanation. Due to this, I would like to take part in the class lawsuit currently against them in order to be compensated for my time and money.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$430.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-01
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. (PA)

please delete all the fradualent accounts and unathorized inquiries listed below this is incorrect and wrong reporting Name of accounts : XXXX XXXX XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Number : XXXX Name of accounts : XXXX, XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$450.00} Account Number : XXXX  Name of accounts : XXXX XXXX When was the accounts open : XXXX XXXX, XXXX Account Balance : {$200.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX  When was the accounts open : XXXX XXXX, XXXX Account Balance : {$1100.00} Account Number : XXXX Name of accounts : XXXX, XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$450.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX When was the accounts open : XX/XX/XXXX Account Balance : {$0.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX When was the accounts open : XXXX XXXX, XXXX Account Balance : {$0.00} Account Number : XXXX Inquiry Name : XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 2024-06-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SOFI TECHNOLOGIES, INC. (IL)

Early in XXXX  I went to the XXXX website to see what their rates were to refinance my student loans. Beginning in XXXX I received emails inviting me to refinance and receive a {$XXXX} bonus. The requirements for this was to complete the refinance through the designated link by XX/XX/year>. I was also required to have a XXXX  bank or savings account which I already had. 

I completed my application and the loan was funded by XX/XX/year>. 

On XX/XX/year> I called XXXX to speak to a customer service representative to ensure I had completed everything needed to receive this bonus. They indicated that yes I had and the loan was successfully funded. It would just take up to 30 days to receive the bonus. 

I hadnt heard anything so I called back XX/XX/year>. I spoke to another customer service representative and explained that I hadnt seen the bonus yet. He told me that he checked my account and could see that there was a bonus when I applied but he wasnt sure what had happened to it. So he was going to open a ticket and it was ticket # XXXX. He told me I should hear back in about a week and if I hadnt then I could call back. 

On XX/XX/year> I received an email that they needed a few more days and the investigation could take up to 30 days. 

Then, on XX/XX/year> I received an email that stated that I did not actually qualify for the bonus because I didnt use a correct link. I know I used the exact link in the website and had confirmation from XXXX customer service representatives that I had completed everything appropriately. 

After further discussions with XXXX on XX/XX/year> they continue to state that they will not be giving me the {$XXXX} bonus from my XXXX XXXX XXXX that I completed correctly. I have requested that they work with me several times and they have indicated they will not be.