davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (AR)

I am writing to express my deep XXXX  and XXXX  with the multiple unsuccessful attempts to address and remove fraudulent items from my account with Credit Bureaus. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NJ)

At sometime in early XXXX, I received a call from a group called Wakefield and Associates claiming that I owed them money. Confused, I requested a letter be sent to me validating the debts. On XX/XX/XXXX I received XXXX documents from Wakefield and Associates claiming I owed money for XXXX procedures I don't remember receiving on XX/XX/XXXX for XXXX XXXX 

The procedures are a XXXX Exam ( {$990.00} ), a XXXX XXXX XXXX XXXX ( {$180.00} ) and an XXXX XXXX ( {$240.00} ). The letters were dated XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the XXXX documents below along with the letter that accompanied them. 

I immediately called XXXX, and despite providing all the information presented in these documents, they could not find any outstanding bill for me. I also have no record of these bills ever being sent to me originally, either physically or electronically. Fearing that this debt may be fraudulent or a mistake, I sent a letter to Wakefield, in which I asked for XXXX pieces of information I believe I am owed under the Fair Debt Collection Practices Act. I have enclosed a copy of that letter below, but the relevant information I have asked for was : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; including documentation that verifies that I owe the debt, such as a copy of the original contract. 
4. proof that you are licensed to collect debts in New Jersey ; including the date of the license, license number, and the state agency that issued the license as well. ( The original letter did not contain New Jersey information ) 5. proof of the last payment made on the account in the form of a copy of the last billing statement sent by the original creditor. 

Several days ago, on XX/XX/XXXX, I opened a letter from Wakefield " responding '' to my request for information. The only information they provided was the original creditor. They gave no proof of items XXXX, XXXX or XXXX. This letter also references a letter sent to me on XX/XX/XXXX, but I have not received any other communication from Wakefield. 

Furthermore, in this time I have once again followed up with the billing departments for XXXX XXXX. They have confirmed on several occasions that they have no record of any outstanding payment that has been sent to collections that correlates with my name, the date, the provider, or the account numbers Wakefield provides. I have thus been completely unable to find even a single scrap of evidence confirming that I owe what Wakefield says I owe, and their refusal to provide me with any additional evidence has me feeling uneasy about the legitimacy of this debt. As such I formally request the CFPB get involved as I feel like I have taken all the steps I am capable of at this time. I also feel the need to mention that I still have a mark against my credit for this debt, despite the ( in my opinion ) complete lack of evidence of its legitimacy.
Consumer complaint received 2024-07-10
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. (MD)

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries have no connection to me, and I am not accountable for them. Their presence has resulted in severe emotional and financial strain. As an identity theft victim, I may be compelled to pursue legal recourse if this issue isn't resolved appropriately. These false and fraudulent entries have obstructed my plans to purchase a home and meet my family 's financial obligations, significantly impacting my economic stability. I've included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this matter for your reference.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my persistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I identified unauthorized transactions on my account, indicative of fraudulent activity. Since then, I have diligently contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these concerted efforts, the unauthorized transactions persist, significantly impacting my account. 

Enclosed, please find a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (HI)

I was looking at my report and noticed some somethings weren't correct. I sent a letter to Experian on XX/XX/2023. Tracking number XXXX. But is has been more than 35 days since the credit bureaus haven't responded. That is a violation to 15 USC 1681I ( A ) ( 1 ) ( A ) Under 15 USC 1681I ( A ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-12
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Consumer complaint received 2024-05-15
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)

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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Experian violates of - 15 U.S. Code 1681b " Experian would need my written consent to add anything to my consumer report which I did not give. 
- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Experian has been put on notice of the inaccurate information and must immediately stop reporting that information. 

Under 15 U.S. Code 1681n Experian is liable for {$1000.00} per violation for noncompliance. ( There have been 204 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2024-01-06
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. (GA)

In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on XXXX. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

I am filing this complaint against my former student loan servicer, FedLoan Servicing/PHHEA . According to studentaid.gov, the application I submitted recertifying my income for the PAYE repayment plan on XX/XX/XXXX XXXX is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, FedLoan Servicing/PHEAA, according to studentaid.gov. I frankly do not see how this can be. FedLoan processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. FedLoan ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to XXXX at that time. I called Federal Student Aid to inquire why my request from XXXX is supposedly in review. A representative informed me that only XXXX can close the case. Yet, XXXX told me that it can not access the request. I have since switched from the PAYE repayment plan to the SAVE repayment plan. Documentation is attached. My XX/XX/XXXXXXXX XXXX XXXX recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved. Please do not tell me to contact XXXX various representatives have informed me that they can not access this XX/XX/XXXXXXXX XXXX request. Also, please do not tell me that my loans are no longer in your system, and that you can not help me. I am frankly tired of the runaround. Someone needs to contact studentaid.gov or XXXX and tell them to close my XX/XX/XXXX, request. I have filed various complaints on studentaid.gov regarding this issue to no avail. This issue needs to be fixed forthwith. Please carefully review the attached documents.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX i was trying to sell my XXXX for XXXX $ to a friend, and the checks come back returned for NSF but my friend give me 3 more checks and i deposit it again on my regions bank account ending on XXXX for the amounts of XXXX $ ; XXXX $ and XXXX $ the XXXX and the XXXX clears on my account available but the last one of XXXX returned with NSF notice, then regions block my account on XX/XX/XXXX and they dont want to give my clear money back ( XXXX $ ) and they are charging to me monthly fee for have the account and i was going to some branches to ask for a solution and they dont help me.
Consumer complaint received 2024-01-27
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. (TN)

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 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Purpose of my complaint to CFPB is two-fold 1 ) I've been unable to receive my refund check for a student loan payment for close to 5 months now, with no satisfactory answers provided about when I will receive the check. 
XXXX ) I would like an accounting of where my student loan payments are going. As of XX/XX/XXXX, I've put {$750.00} towards my {$20000.00} balance. However, my remaining balance still remains {$19000.00}, with only {$400.00} going towards reducing my principal. I do not believe this to be an accurate accounting, and it should be recalculated. 

Timeline of events : Paid off account in full in two payments XX/XX/XXXX : {$17000.00} XX/XX/XXXX : {$20000.00} XX/XX/XXXX : I spoke with an EdFinancial ( EF ) customer service representative, XXXX, who put in request for the {$20000.00} refund. She did not know when I would get the refund check. 

XX/XX/XXXX : Student loan balance of {$20000.00} restored to EF account. 

Additional calls made to EF re : refund status and being put on new IDR plan : XX/XX/XXXX, XXXX, XXXX ; XXXX Additional calls made to Dept of Education ( at EdFinancial 's insistence that they are the ones handling refund checks ) : XX/XX/XXXX, XXXX ; XXXX. Either did not receive a definitive answer, had to wait too long, or was unable to reach anybody due to call being dropped. 

XX/XX/XXXX : Reply from EF customer service rep, XXXX, stating again there is no estimated date when I'll receive my {$20000.00} refund check.