davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers  and sue for full compensations and damages incurred.
Consumer complaint received 2024-06-18
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-18
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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-06-18
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 was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

On XX/XX/XXXX someone hacked my credit karma spend account and my credit karma save account. The person first deposited {$9.00} into my account and when they realized that the transaction went through they then withdrew XXXX out of my savings and over {XXXX} out of my spend account. On my bank statement it says a withdrawal and those amounts and sent to the account cash app XXXX XXXX. I filed a local police report with my local police station to get my money back. Credit karma told me they was going to deposit my money back into my linked bank account on XX/XX/XXXX on XX/XX/XXXX the only deposit I got to a link bank account was XXXXXXXX XXXX  from credit karma. When I called credit karma they told me that they didn't deposit any money into my account.but it shows that they did. Credit karma credit karma told me they going to mail me a check and wanted to verify my address when I gave them my address they wanted me to upload documents. Every time I upload documents credit karma tells me there's something wrong with them and they make me do it again. All they're doing is give me the runaround they do not want to refund my {XXXX}.
Consumer complaint received 2024-09-20
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)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I'm writing to you about a problem I'm having with my student loans. I was recently transferred to a new loan servicer, Ed Financial Services. Right after the transfer, they took a {$1000.00} payment from my account on XX/XX/XXXX. The problem is, neither my old nor my new loan servicer can figure out where that money went. 

I've been in contact with Ed Financial Services since the end of XXXX, and they just keep saying they're looking into it. At this point, I'm really concerned because the money is still missing from my account, and I haven't gotten any answers. 

I'm hoping the Consumer Financial Protection Bureau can help me get to the bottom of this. It would be great to get some answers and get this problem resolved. 

You can reach me at XXXX if you'd like to follow up with me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX
Consumer complaint received 2024-08-19
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: SOFI TECHNOLOGIES, INC. (WV)

according to Sofi they have information and proof that Ive indeed made those purchases and Im disputing them because I didnt receive them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total disputed amount : {$3900.00}
Consumer complaint received 2024-08-30
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. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: SYNCHRONY FINANCIAL (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (ID)

Someone has been hacking my Marcus by Goldman Sachs. 
XX/XX/year> some from antacortes Washington changed information on my acct XX/XX/year> XXXX charges were attempted {$100.00} and {$120.00} XX/XX/year> someone at XXXX called to increase credit limit XX/XX/year> called to update info and needed an email address. We gave them a not used much email address XX/XX/year> received email from unknown person to the email we gave to the credit card people Called credit card people alerted them to the email received today. Was told to file police report, done.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC (GA)

Received a letter from Lloyd & McDaniel , PLC on XX/XX/year> that states they have bought our debt from XXXX XXXX XXXX XXXX. They said in the letter that they would no longer accept debit card payments after XX/XX/year>. The letter states that we can pay by electronic payments from our checking account. However, when we tried to do that, there was no way to do it due to not knowing what our account number is. We sent them a check in XXXX. After numerous tries to get the account number from them and the payoff amount, they have refused to give it to us. We went through a move from our home and some illness so we just planned on paying it off after closing on our house in early XXXX. Now, after no cooperation from them, they have put a lien on the house without informing us.This does enable us to just pay it off when the house closes but the lack of cooperation and communication from them is maddening. Also, this debt has been sold 3 times and is from at least 20 years ago. We have been paying on it after going through a debt consolidation program from XXXX XXXX which is a bankruptcy law firm. All the other debt they helped us with was dismissed and/or paid off. This one keeps being sold. Also, this doesnt even show up on our credit reports.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (OH)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

Identity theft. 
Account info Account name AFNI , INC . 
Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-20
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. (PA)

ive sent multiple letters to Experian, XXXX, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life
Consumer complaint received 2024-08-26
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: Upgrade, Inc. (GA)

I sent this to XXXX concerning Upgrade XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, I recently sent you a letter last month because you are reporting some late payments that are NOT accurate and I would like you to update these late payments to being ON TIME PAID AS AGREED. I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. You seem to not understand how serious this is because you have not corrected this issue. As a reminder, a consumer can sue {$1000.00} per item that is not accurate on their report. 

Also, this letter is a formal complaint that you are reporting to my consumer report fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), it is a fact that I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1666 ( b ) ( 2 ).
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have been trying to login to the online account I have created for Equifax and have not been able to do so, despite trying at least once per day over the last week. I have tried both changing my password and contacting Customer Service but still receive this message when trying to login : We are temporarily unable to complete this request. Please try again later. I spoke with a Customer Service agent about XXXX days ago, and after waiting on hold for approximately XXXX hour, the agent was unable to give me an approximate window of time in which I could access my account again. She said there was no login freeze on my account but that they were upgrading systems, which I do not believe to be true, as the website is fully functional and I can complete all steps to login.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

To : CFPB and Equifax Disputes Subject : Unauthorized Hard Inquiry by XXXX XXXX XXXX of XXXX I am hereby submitting an official complaint to the Consumer Financial Protection Bureau ( CFPB ), which oversees credit and banking-related products and business practices. 

On XX/XX/2024, my credit account was subjected to a hard inquiry by a local dealership registered as XXXX XXXX XXXX of XXXX. During my visit to this dealership, I was asked to provide personal details, including my Social Security number. Unlike other dealerships Ive visited, where explicit consent is always obtained before a credit pull, I was not asked to sign any form authorizing this inquiry. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b ( b ) ( 2 ) ( A ), it is required that the requesting party obtain explicit consent from the individual providing their Social Security number before accessing their credit report. The dealership failed to comply with this requirement. Therefore, in accordance with 15 U.S.C. 1681i, I have requested Equifax to review this matter and remove the unauthorized inquiry from my credit report. 

However, despite my recent disputes ( case numbers XXXX, XXXX, and XXXX ), Equifax has sided with the dealership, stating that the information is accurate. This decision was made without providing any explanation or supporting documentation. 

I am requesting a thorough investigation into the dealerships violations of the FCRA. I also request all relevant documents that explain why Equifax has sided with the dealership and what evidence Equifax relies on to support its position that the dealership obtained my full authorization to access my credit file. Furthermore, I seek clarification on why Equifax has refused to remove the inquiry from my record, despite my assertion that I did not authorize the dealership to access my credit information. 

I urge the CFPB to investigate Equifaxs handling of my disputes and to ensure that my rights under the FCRA are fully protected. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IL)

XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX  report a collection on someone's credit when this is not a financed account?