davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

In XX/XX/year>, I enrolled in XXXX with XXXX XXXX. This was advertised as providing a .25 % interest reduction if enrolled, and still says as much on their website. 

In XXXX and XX/XX/year>, I received a past due notice on my loans and discovered that XXXX had not worked. I emailed XXXX in XXXX, and they said that I had to call to receive specific help. 

I re-enrolled in XXXX on XX/XX/XXXX, and received an email confirmation that I was enrolled. 

I kept receiving past due notices and had to pay manually. I emailed XXXX again. This time, XXXX responded saying that I had not actually enrolled in XXXX ( I had, and again, had received a confirmation email saying as much ). 

She also said that it might take XXXX billing cycles to go through. 

Even if this is true, it has been many more than XXXX billing cycles since I received my email confirmation in XXXX. 

I haven't received any interest deduction since. In my opinion, this is fraud.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX 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/2023
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 2024-04-24
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
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. (TX)

The reporting of the account from XXXX XXXX XXXX # XXXX AT {$1800.00} FOR XXXX XXXX AND {$1800.00} FOR XXXX AND EQUIFAX, LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-05-17
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. (IN)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2024-05-17
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Dear XXXX, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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 XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : 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 2023-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (FL)

This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT. 

Case Name ( s ) & No. : Ally Financial XXXX XXXX XXXX ; Case No : XXXX Jurisdiction : 23rd Judicial Circuit Court for XXXX XXXX XXXX Missouri Products/Services Involved : Collateral Repossession Laws
Consumer complaint received 2024-05-17
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)

I want to emphasize that I am fully aware of the legal implications of threatening legal action without intent, and I want to make it clear that I am entirely serious about pursuing a lawsuit against your company. Despite multiple requests from me to investigate and rectify all inaccuracies on my personal credit profile, you have consistently failed to take action. It is my understanding that under the law, you are obligated to honor each and every request to investigate incorrect information, yet you have disregarded all of my previous appeals. 

As I've previously stated, this is my final plea for you to fulfill your obligations under the FCRA. If this final request fails to prompt a proper investigation into the accounts in question, I will have no choice but to file a lawsuit against your company in the county where I reside. This will necessitate your presence here to defend yourselves. 
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 2024-08-13
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. XXXXXXXX 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 2018-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I would like to file a complaint. I have received several letters via Certified Mail from NationStar Mortgage stating that I could opt to have a face to face meeting with a representative to discuss options concerning my loan. I have made more than several attempts to set up this face to face meeting for the last month and a half at least. I have received nothing but the run around from each person that I talk to. Someone was supposed to email me, and then someone was going to call me, but I have yet to hear back from anyone regarding my calls to set up the meeting. 

I get different responses from your Representatives from, " We do n't do that '', to " I have never heard of it. '' I read them the letter that I received and had to sign from coming out of the Texas office. The representatives all need to be on the same page. Does n't look good for the business when the information being given does not match going from person to person in the office. 

If no one is going to actually set up the face to face meeting and it is not an option, STOP SENDING ME CERTIFIED MAIL TELLING ME TO CALL TO SET ONE UP!
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

On or about XX/XX/year>, Sofi bank froze my joint savings account containing a balance of over {$10000.00}. Despite repeated inquiries, the bank has failed to provide any justification for this action. 

Steps taken to resolve the issue : On XX/XX/year> my wife contacted SoFis customer support. She was informed that the issue would be fast-tracked to the complaints department. However, no action was taken on SoFi 's part. On XX/XX/year> I called SoFis customer service department. Despite my efforts, nothing was resolved. On XX/XX/year> ( approximately ) I called SoFi once more, but the issue remained unresolved. It is not XX/XX/year> and SoFi has not provided any resolution or explanation.
Consumer complaint received 2024-05-17
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. (CA)

This serves as my final communication to your non-compliant company before taking legal action against all involved parties. It's important to note that making threats of legal action without actual intent to follow through is unlawful. Rest assured, I fully intend to pursue legal recourse to safeguard my consumer rights. 

I have previously sent numerous letters to your company requesting an investigation into several inquiries that I believe are inaccurately reported. Ignoring my requests constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which I will not tolerate. Should you prefer to resolve this matter directly rather than facing litigation, I will reiterate the inquiries in question for your review, as mandated by the FCRA. 
Despite my efforts to contact these companies independently, I have encountered significant obstacles. Many of the phone numbers provided on my credit report are incorrect, hindering my attempts to reach out. Furthermore, the companies I managed to contact have no record of me whatsoever. How, then, can they justify a permissible business purpose for pulling my credit if they have no record of my existence? Please investigate the following : XXXX XX/XX/year> and XXXX XX/XX/year>.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX I do not have any other names or aliases, and I do not wish to disclose ANY other names or aliases. Unless you can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. 
My current unique address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Unless you can produce or present to me your legitimate AUTHORITY to retain these on my credit report. Otherwise, you are infringing my consumer rights. 
I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these Employers I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. Otherwise you are infringing myconsumer rights. 
I DO NOT give you Authorization to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Recording my social security number in my credit report could potentially cause security issues and may lead to IDENTITY THEFT. 
Please DELETE ANY social security numbers from my consumer credit report. 
My date of birth is XX/XX/1988. I do NOT have any OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported on my credit report. Therefore, if ANY Dates of Birth exist DELETE IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain this on my credit report otherwise you are infringing my consumer rights. 

Thank you in advance for complying with my wishes. I would like an updated version of my corrected profile as soon as I you resolved the inaccuracies listed above.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHECKredi of Kentucky, LLC (GA)

On XX/XX/2024 I filled the gas tank with XXXX. I had previously enrolled my debit card/checking account ending in XXXX with the XXXX XXXX . I had enough money to pay the XXXX but they are charging me XXXX dollars as a penalty because they did not withadrw the money not even during the day when I went to the gas station. This is in order to set up people. Their intentions are not well intended. My question is : XXXX. If I had filled up the tank with XXXX or something and they charged me and got my money Why didn't they charge me for the second time I went there around XXXX the very same day.