davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (MA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$450.00}
Consumer complaint received 2024-08-02
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. (NV)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Subject : Dispute of Inaccurate Information on XXXX, ChexSystems, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, ChexSystems, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigatio
n of the disputed information in my XXXX, ChexSystems, and XXXX report. Specifically, I ask that : XXXX. XXXX, ChexSystems, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, ChexSystems, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, ChexSystems, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-05-24
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant XXXX, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-05-24
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)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-24
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-24
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. (IL)

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 2024-05-24
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)

I am a victim of identity theft. The informationS which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft and yet you claim it was verified and its mine I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information.
Consumer complaint received 2024-05-24
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: TD BANK US HOLDING COMPANY (MA)

I got an email on XX/XX/year> from XXXX with whom I have a credit card, stating that there was a new credit inquiry on my credit report. I know I haven't applied for anything so I called XXXX and they are helping me through the fraud process. I looked up my credit report and it says there were two inquiries today XX/XX/year> from XXXXXXXX XXXX XXXXXXXX and TD Bank N.A. I've never even heard of them. Someone else is using my SSN.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

I submitted a forbearance request through XXXX on XX/XX/2023. 
I did not hear back about this request. 
I called EdFinancial XX/XX/2023 and XX/XX/2023 and did not receive an answer. I called again XX/XX/2023 on seven times and had them hang up on me every time. I am very stressed about this situation as repayments begin on XX/XX/2023.
Consumer complaint received 2024-06-11
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. (MO)

XX/XX/year> I called equifax and XXXX they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. XXXX nor equifax deleted the inquiries
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MT)

On XX/XX/XXXX I initiated the process of a {$500.00} payment and was given confirmation # XXXX. That amount was debited from my XXXX XXXX account ending in XXXX for {$500.00} on XX/XX/XXXX. I have uploaded both a screen shot and a bank statement showing this. I called XXXX XXXX  and was given the tracing number # XXXX. Please fix this as soon as possible. My Ed Financial Account is showing that it only posted for {$13.00}, yet my bank account is down an additional {$500.00}! 
I submitted proof of payment on XX/XX/XXXX through their portal including screenshots and bank statements. Later in the month I found the original payment confirmation email and uploaded that. 

Today I checked my account again and no changes have been made. I also noticed that the payment I made on XX/XX/XXXX for the amount of $ XXXX.Payment Confirmation # : XXXX, also only posted for the incorrect amount of {$13.00}. I today uploaded that confirmation as well. I did email them today on top of that. I don't hold a lot of hope as I have heard nothing in the last month. Also, given the fact that my second payment was posted incorrectly, I am hesistant to make additional payments that will be lost. This is quite troublesome. I want to be able to apply money to the account to pay down my loans, but my money is getting lost. This needs to be remedied for the payments already made as well as any future payments.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (GA)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and XXXX are third party companies.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

On XX/XX/2024 I made a payment to EdFinancial Services of {$7400.00} towards my student loans. That payment has not appeared on my account in over 30 days. I have contacted them twice and they have Said that they received the money and that it was applied to my account. However this is not the case.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I tried to call and speak to someone at the company. They wanted me to provide personal information and i refused. I told them I never approved a credit pull and hung up. XX/XX/year> a hard credit pull was done on my credit and was NOT approved!
Consumer complaint received 2024-08-09
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)

I'm filing this CFPB complaint after i recently reviewed my Equifax consumer report and noticed a fraudulent XXXX XXXX  account that was opened on XX/XX/XXXX under the account number XXXX still remaining in my credit file even after the United States Department of Justice investigation found XXXX XXXX XXXX XXXX and its subsidiary, XXXX XXXXXXXX XXXX XXXX  guilty of fraud. XXXX XXXX admitted that it collected millions of dollars in fees and interest between XXXX and XXXX to which the Company was not entitled, harmed the credit ratings of certain customers, and unlawfully misused customers sensitive personal information, including customers means of identification, their potential criminal and civil liability stemming from a practice between XXXX and XXXX of pressuring employees to meet unrealistic sales goals that led thousands of employees to provide millions of accounts or products to customers under false pretenses or without consent, often by creating false records or misusing customers identities, the Department of Justice announced. This settlement holds XXXX XXXX accountable for tolerating fraudulent conduct that is remarkable both for its duration and scope, and for its blatant disregard of customers private information. I demand that aforementioned account be immediately remove because it is fact apart of fraud and is hurting my ability to obtain credit. I have attached court records, exhibits and documents. Refer to see link XXXX XXXX XXXX XXXX ) I demand this account be remove immediately
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (GA)

Ive recently lost my job and my account was bad for not even a month and they didnt even try to contact me and I paid my balance it full then use it normally then randomly WITHOUT ANY CONTACT TO ME AT ALL ..closes my account and is so out of the blue I just get a notification on my phone and I go and it says its in collections LIKE SLOW DOWN is this even legal I want my account back I didnt do anything wrong how yall gon na wait for me to pay my balance of to close it like so scammy I legit have an XXXX XXXX XXXX and everything ..Im so switching to XXXX if yall dont resolve my account asap my account was an ( ( ( APPLE XXXX CARD BUT ITS BY YALL ) ) ssn ending in XXXX names XXXX XXXX
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Re : Dispute of Account Information XXXXXXXX XXXX  - Account Number XXXX Dear Sir/Madam, I am writing to follow up on a dispute I submitted regarding XXXX XXXX - Account XXXX XXXXI got results today XX/XX/year>, for my inquiry of XX/XX/year>. While you indicated that the account was updated, I have reviewed the updated report and found that it still reflects the same inaccuracies as before, similar to the report dated XX/XX/year>. 
The account continues to show major inaccuracies, including the incorrect reporting of income information and the continuous posting of charges every month. This inaccurate information falsely manipulates the statute of limitations, also the account shows a balance after the account has been charged off/ written off. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law.

Please remove this account due to the two major three ( 3 ) inaccuracies mentioned above. Additionally, please remove the incorrect income information and any other inaccuracies from my credit report to comply with the FCRA.

Enclosed, you will find copies of my previous correspondence and supporting documents for your reference. I trust that you will address this matter promptly and ensure that my credit report reflects accurate and fair information. 

Thank you for your immediate attention to this important matter. Please confirm receipt of this letter and notify me of the outcome of your investigation as soon as possible.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OR)

Hi there, My name is XXXX XXXX and I have been a Citibank customer for over 2 years. I reside in XXXX XXXX, XXXX  where there are no nearby Citibank branches, so all my banking activities are done online or through ATM withdrawals. Recently, I have been experiencing unexpected difficulties with Citibank, requiring me to call them frequently to resolve issues. I am writing with distress as a few days ago, I received a transfer from another business bank account and proceeded to initiate a wire transfer. Despite confirming the activities with Citibank representative on phone, the rep said they would go ahead with the wire transfer and a few minutes later I received a confirmation email that the wire transfer would be sent the next business day, but the next day I woke up to find out that the wire transfer had been cancelled and it said it was at my request, which I never requested. I logged into my bank account and found that my XXXX checking account and my XXXX Account were blocked and only my accelerated savings account was unblocked. When I contacted Citibank, they informed me that my accounts would be closed without providing any explanation. This situation has left me feeling frustrated and I am unable to access my funds to pay bills or carry out other necessary transactions. This situation has left me feeling that my banking rights are being violated. I was not informed about when I will be receiving a check in the mail. With all my funds tied up, I am unable to pay bills or conduct other necessary transactions. I am requesting immediate intervention to address these issues as I am currently feeling frustrated and overwhelmed. I am requesting for my account to be unblocked or for a swift resolution of the situation as I have outstanding bills incurring interest when not paid. I contacted the XXXX few days ago and I was assigned a case number XXXX. My account details are below. 

Account Name : XXXX XXXX XXXX Checking : XXXX Access Account : XXXX I hope that something will be done about this issue soon. Thank you for your time and assistance. 

XXXX