davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

In XX/XX/XXXX, I began repayments for my federal student loans by enrolling in auto-pay with EdFinancial. My initial payment was accepted, so I assumed my auto-enrollment was successful. However, in XX/XX/XXXX, I noticed a significant drop in my credit score. Upon investigating, I discovered that my student loan payments had not been processed.

I contacted EdFinancial immediately and was informed by a representative that their system was deleting the last digit of my bank account number, causing subsequent payments to fail. Despite the initial payment being processed through my bank account, this error was not communicated to me. I received no notifications via phone, email, or mail, which I found extremely unprofessional. 

The representative apologized and instructed me to re-enroll. I did so, and while my payment was initially accepted, it was later denied. I find it extremely bizarre that I have never changed the bank account number on this website, yet some payments are denied while others go through. Payments were reversed and returned without my knowledge. When I contacted customer service again, I was told that a higher-up would reach out to me, but I never received any follow-up communication.

Additionally, I attempted to file a complaint through EdFinancials website. Despite using only the allowed characters, my submission was repeatedly denied. It seems their system has another fault preventing the submission of my complaint. I have attached a copy of my complaint below.

Due to these issues, I have accrued significant interest, and my credit score has been negatively impacted. EdFinancials failure to notify me and resolve the issue promptly has been highly unprofessional and detrimental to my financial stability.
Consumer complaint received 2024-05-13
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. (TX)

FCRA Section 605B it's illegal to report information on my credit report without my permission please remove these hard inquires from my credit, now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
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. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (AL)

I applied for a mortgage on our rental home and have received roughly 100 mortgage solicitation calls in 2 days! I have to keep my phone on silent because it is constant. Ive also received numerous solicitation texts as well. It is my understanding that the 3 credit bureaus sell my information to solicitors. This is absolutely harassment. This must stop!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/2022 and XXXX XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-05-13
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)

Once again, I must assert that I have fallen victim to identity theft, prompting this subsequent plea for the removal of erroneous information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to expunge such items within four business days of receipt. Furthermore, certain details on these items remain unfamiliar to me, and while they have been removed by other bureaus, I remain skeptical about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;
Consumer complaint received 2023-12-28
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. (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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-12-29
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-28
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 ACCORDANCET WITH THE FAIR CREDITREPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.MYXXXX XXXX XXXX  XXXX ACCOUNT IS REPORTING MULTIPLETIMEPLEASE REMOVE
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX regarding this issue, but my information remains inaccurately recorded in my profile. I initiated communication in XXXX of this year, and unfortunately, there has been no resolution to date. 
XXXX is obligated by the FCRA to report accurate accounting consumer has advised All the inquires reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide the name of the person spoken to, signed application with consumer wet ink signature, consumer is not asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed as soon as possible. Said company is liable under the SEC to follow certain rules. XXXX XXXX file number.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I will be filing form 211 treasury omb forms to audit consumer account. XXXX is securitizing consumers data yet refuse to provide consumer a copy their.
Consumer complaint received 2024-05-13
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. (NY)

Upon reviewing my credit report, I noticed inaccuracies in certain pieces of information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are obligated to authenticate these accounts. They are not permitted to designate unverified information without furnishing evidence within the legally stipulated timeframe. The following accounts, which require investigation and rectification due to erroneous reporting in my file, are outlined in my credit report : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2024-05-03
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-28
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. (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, Account name : XXXXXXXX XXXX  ( Experian & XXXX ) XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXXXXXX ( Experian ) XXXX, Account name : XXXX XXXX  XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX ( Experian & XXXX ) XXXX ( XXXX ) XXXX, Account name : 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 an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reached out to Capital one to dispute a charge of {$220.00} due to missing my flight with XXXX XXXX, flight number XXXX on XX/XX/XXXX2024, originating from XXXX XXXX XXXX to XXXX Ohio. 
Unfortunately, I was unable to make my scheduled flight due to an unforeseen circumstance where I was pulled aside by TSA for additional screening, resulting in me missing the boarding time. This was beyond my control, and I made every effort to proceed through security as quickly as possible. 
Upon missing my flight, I contacted XXXX XXXX staff at the airport, who informed me that the next available flight would incur a charge of over XXXX XXXX dollars for rebooking. I declined! I also reached out to XXXX which I booked through and everything was credited to the credit card. Because I had to pay for seats separately XXXX refused to refund instead offering me {$220.00} that I asked to be reimbursed through my credit card because I will never book through them or fly with them. My experience was horrible and a lesson learned. After communication with Capital One on XX/XX/XXXX24 they wasted no time rebilling the charges. I then spoke with a representative that was rude and unprofessional. I closed my account and only want the {$220.00} removed.
Consumer complaint received 2024-08-05
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)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Protection Under Section 605C of the FCRA Dear Equifax, I am writing to inform you that I am a victim of XXXX XXXX and to request your assistance in protecting my credit information as per Section 605C of the Fair Credit Reporting Act ( FCRA ). Due to the nature of my situation, I am deeply concerned about my safety and privacy and am unable to approach law enforcement for help.

Section 605C of the FCRA provides for certain protections for victims of trafficking, and I am requesting that you take the necessary steps to shield my personal information from being disclosed. It is crucial for my safety and well-being that my identity and location remain confidential.

Please respect my wishes and ensure that my information is handled with the utmost care and discretion. I trust in your ability to protect my identity and prevent any further exposure that could compromise my safety. I have the right to keep my information confidential.

I HAVE ATTATCHED A LETTER WITH ACCOUNTS THAT NEED TO BE REMOVED. 
Thank you for your understanding and prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-12-28
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. (CT)

XXXX & other reporting Agencies report my name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX Also there should be no other address listed except XXXX XXXX XXXX XXXX, XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as well as an employment job referencing XXXXXXXX XXXX and has never been given authorization to use