davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (CA)

In XX/XX/2023 my identity was stolen by a check that was mailed to a friend for a birthday present. They took the check which had my name and personal home address on it and attempted to withdraw money from my account. A few months later I was made aware by receiving a letter in the mail from DIGNIFI BANK that a loan was taken out in my name for {$5000.00} and that payments were not being made. I called numerous times to be juggled between people that seemed unaware on how to solve this problem. Already a victim this level of incompetence left me even more frustrated. They sent me paperwork to complete, which I returned immediately and more than 3 months later, I still haven't heard anything in resolution. I disputed with all XXXX credit bureaus and all them responded to my dispute saying that the loan was validated to me. How can that be since it wasn't me who did it. I have re-disputed again with all of the same information including the police report and the XXXX  report. 

I also received a letter from a company called XXXX stating there was a balance owed of {$480.00} for some window tinting the was done. This is also tied to this issue. I have been working with XXXX to remove this balance owed but no resolution to date.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Sigue Corp. (TN)

I had a refund ( {$340.00} ) pending with them. They said they were going to send me a check and they never sent it to me until today, I'm still waiting, I have called them, they don't answer, I have written to them and I don't have a response.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Consumer complaint received 2023-11-17
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'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 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 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (NJ)

Rubin & Rothman. LLC Attorneys at Law sent a debt collection letter on XX/XX/ falsely representing that attorney 's were involved in this attempt to collect this alleged debt. Rubin & Rothman. LLC sent letters with the phrase " Attorney at Law '' at the top of the letter. The letter also included a payment coupon indicating that payment should be sent to the firm. Attempting to influence me to pay an alleged debt that i wouldnt otherwise do. Violations of 15 USC 1692e ( 3 ), ( 10 ). I have not given any authorization for them to communicate me and I have never had business or contractual relationship with them am unaware of any legitimate obligation owed to them. There '' s multiple companies attempting to collect on the same alleged debt which will ALL BE NAMED IN RACKETEERING and extortion compliant being filled with XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Consumer complaint received 2024-08-15
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. (MS)

Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

Hello, I suspect that my student loan servicer, Edfinancial, is deliberately committing financial fraud and I believe I have enough evidence to prove a probable cause for investigation. I hope that, upon reviewing my evidence below, you are willing to work with both the Department of Education and the Department of Justice to remedy this issue.

A policy of Federal student loans is that if a borrower signs up for auto-pay, there is a .25 % deduction in their interest rate. This may not sound like much, but adds up over a large loan and a long enough time. To take advantage of this incentive, I signed up for auto-pay with Edfinancial and received a confirmation email for it. I regularly auto-pay out of this bank account and was not informed of any failures by Edfinancial. When the payments were due, however, the auto-pay did not happen. This went on for a while without my notice. I eventually noticed the failure and had to pay manually. My .25 % deduction did not apply as autopay was not actually set up despite their confirmation email. Additionally, my otherwise solid credit score has been negatively impacted by this failure and potentially cascading consequences for my financial situation in the future. 

Believing this to be an error, I looked online for further examples and found examples going back many months. Here are some examples of others online who had the same struggle as I did : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just the examples from the front page of XXXX found within my first minute of research. I am certain that there will be many more if, for example, a federal government department that was paid to investigate fraud were to look into it. As reported by users here, this is a problem repeatedly reported by many users across many months. As someone who works in an IT company that often pushes out fixes in a couple of weeks, I hope you can trust me when I say that this is well enough time for a company to program a fix. The fact that this is an ongoing issue makes me believe that this is deliberate and that Edfinancial has a monetary incentive to not give us the .25 % interest deduction.

If you agree with me that this evidence is at minimum suspect, I hope you work with the appropriate authorities to stop Edfinancial from unjustly enriching themselves at the expense of studentsandgraduates.
Consumer complaint received 2024-08-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis credit management tries collect wrong amount on contract it clearly says early termination results XXXX move out.They kicked me out the apartments for criminal.mischief..I don't owe anything because it was proven that I wasn't the one who did anything..They sent a letter apartments Said you have 3 days to leave..So I don't owe anything says I owe XXXX I was only there 28 days so they owe me money
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Bank Of Amedrica is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.

Wrong Balance, two different reporting dates, Two different last date active. Balance paid off.
Consumer complaint received 2024-08-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (IL)

My identity was stolen while I was XXXXXXXX  and unauthorized charges was made on my account and I provided the company with police reports filled out all of there documentation they need and they have XXXX business days by law to provide me with a provisional credit and have not done so at all
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I Recently disputed an account on my credit report, because it was reporting inaccurate information. The information was updated on the account and verified by the credit bureaus. I still believe that this account is reporting inaccurate information, and this is actively affecting my life and creditworthiness. The account listed below is reporting late payments on this account and I never been late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting of this account. Also, I was granted forgiveness of this student loans and all of the payments thru the XXXX XXXX administration program which the disbursement of the payments shows I was never late. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax decided to close the 2. account listed which originality contained this late payment information which is incorrect and then place it on the first account and change the status to closed. I don't believe that I received an actual investigation rather than just take whatever information the data furnisher provided, which is a violation against my civil rights. I will provide proof of my claims in the documentation 's sections
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (VA)

I opened a checking account with TD Bank and obtained a HELOC. To pay for the HELOC faster, I decided to move all my banking needs to my TD account including receiving rent payments. On XX/XX/XXXX, I began transferring my XXXX email and phone numbers to TD. That day, they locked all my emails and phone # s in with XXXX. I contacted XXXX and they said they don't control it, TD was the one who locked my profile. I contacted support who told me to show proof I am not a scammer by going to a branch. I did and the assistant Store manager assured me it was just a mistake. On XX/XX/XXXX, I received a message stating they will not release my emails and phone numbers and that I should seek alternative payment methods. 
I contacted them over the phone once again and all they can say is the department that locked my account don't take calls and even if you speak to a supervisor you'll get the same answer that they locked my account and will not tell me the reason.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has frozen all my accounts from a debt collector who has used very abusive tactics into scaring me about paying the old debt. They are now sending me e mails threatening to close my accounts? And still allowing fees to be tacked on to my checking account. Not allowing me access to my XXXX XXXX XXXXXXXX money that they know I am XXXX and exempt from this. My accounts are frozen and any money that has been deposited is taken from me and frozen. They are still charging fees, and now threatening to close my accounts. Also- they have removed all of my bill pays from my portal. Making it difficult for me to find account numbers etc. please help me this company is malicious and this is abuse!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PR)

Discover Bank is reporting me a balance of {$2000.00} and has lowered my XXXX score XXXX, leaving me with XXXX score. I have called the bank and they said they are not reporting that. The thing is my card currently on a balance of {$200.00}.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (CO)

I received notice by mail for 3 cc bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with XXXX XXXX XXXX XXXX years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CO)

I received notice by mail for XXXX cc bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with CCC XXXX or XXXX years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (CO)

I received notice by mail for XXXX XXXX bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with XXXX  XXXX or XXXX  years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B