davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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. (TX)

XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX
Consumer complaint received 2024-09-09
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)

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # # # # # # # # # # # # # # # # XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-25
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)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXXXXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  [ Enter Complaint XXXX  from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (VT)

I am a XXXXXXXX XXXX male. I fell victim to an internet-based wire fraud scam on XX/XX/XXXX, and wired away nearly all my money in M & T Bank - {$75000.00}. I thought I was being helped by a M & T Bank fraud investigator, who set up an " alias '' account for the wire at XXXX in XXXX VA. Attempts to get information from XXXX on what happened with the wire went unanswered weeks thus insuring I would never be able to recover the theft. The fraud began on XX/XX/XXXX when I mistakenly hand entered XXXX as XXXX. I crazy popup window appeared saying my machine was compromised by hackers, being used to send things out, and to call XXXX at a phone number. There was no way to close the popup. After a while I called the number... Please see attached pdf for the full story and details. I filed a crime report with the Vermont State Police on XX/XX/XXXX, Case # XXXX. I have requested ( FOIA ) a copy of the report. On XX/XX/XXXX I filed an FBI Internet Fraud Crime report for XXXX XXXX using a form at XXXX : XXXX. But there has been no followup. The US Secret Service received a copy to my State Police Report. I talked with an agent, but not enough money was stolen for them to act.
Consumer complaint received 2024-09-11
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

I have taken out {$26000.00} worth of student loans ( subsidized and unsubsidized ) from EdFinancial ( loan provider ) as evidenced by my college website, spread throughout XXXX semesters for my XXXX XXXX XXXX. According to the receipt and my bank records, on XX/XX/XXXX, I paid off {$27000.00}, which covers all the necessary loans. The difference in amount is due to interest that I already paid. 

As of XX/XX/XXXX, I received an email from studentaid.gov saying that I missed a payment. I log in and check For some reason, Studentaid.gov says that I still owe {$20000.00}. I contacted Edfinancial on XX/XX/XXXX, over the phone to say why I still owe {$20000.00} when I paid off all my loans and interest back on XX/XX/XXXX, and the customer service representative said Edfinancial updated their system to a new one recently and dont have access to any receipts saying that I have paid them the {$27000.00}. To solve this issue, Edfinancial requests that I submit proof of the receipt and upload it to their portal : I did exactly that on XX/XX/XXXX and attached the receipt of my payment to their portal. 

As of today, XX/XX/XXXX, I received an email from Edfinancial saying I owe {$990.00}, I have no idea where this number is coming from, Then I login to their website, Edfinancial showed that I owed them {$20000.00}, Summary : I paid off all my loans already, and I have proof of that from my bank statements that I can pull up, as well as the email confirmation receipt from Edfinancial. However, as of XX/XX/XXXX edfinancial seems to still want {$20000.00} from me. 

According to the above screenshots, I ONLY took out {$26000.00} loans, all together, to fund my XXXX XXXX XXXX from Edfinancial, I paid the website {$27000.00} on XX/XX/XXXX. As of now, out of the blue 2 years later on XX/XX/XXXX ( today ), Edfinancial wants me to pay {$20000.00} in additional.
Consumer complaint received 2024-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I recently submitted a letter to AES requesting a path to discharge my private loan based on school misconduct and fraud. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My school lost accreditation and closed. My federal loans were discharged and XXXX has offered a discharge form for private loans, but AES has not. They responded XX/XX/year> saying that my loan does not qualify for the discharge that is offered for federal loans. I owe $ XXXX for this private student loan that was obtained under fraudulent promises from my school.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (DC)

-On XX/XX/2024, I received an email from PayPal XXXX according to which a client sent me {$370.00} for a consultation fee, to my business general email and notifying me that in order to receive the funds, I had to open an account with Paypal XXXX 

-On XX/XX/2024, following the Paypal request, I opened a new Paypal account to receive those funds.

-When opening the account, I initially listed my name ( as owner of the business, which is a single-member LLC ), and then I was offered to upgrade to a business account, which I tried.

-I then received an email from PayPal saying that I apparently did something contrary to the user agreement and that the funds were frozen for up to 120 days, -I contacted Paypal via phone and email, requesting a reconsideration of the matter. and the reinstatement of the account. I attached to my email a copy of my driver 's license and of the following documents related to the business : corporate documents, EIN number, and last XXXX bank statement.
Consumer complaint received 2024-09-09
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. (KY)

I have other documentation from other companies related to my Equifax Credit Report based off of my Equifax Credit Report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00} I want arbitration started I have other documentation from other companies related to my Equifax credit report based off of my Equifax credit report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00}. I want arbitration started Equifax do not have my permission to further any investigation related to my account. 

I want Equifax to lock and block my account. Equifax do not have my permission to continue working on my credit report. Im done. Im seeking legal action of you and I will be contacting my lawyer. Im gon na sue you. I got evidence from a company that shows you breach the fair Credit act allow Im seeking legal damages, punitive damages, emotional distress, damages, pain, and suffering damages Stop working on my account. I want it blocked today. Equifax dont have my permission to contact none of my lienholders. Equifax. Dont have my permission to make contact with none of my credit card company. I wont this matter before an arbitration ASAP. This week Im gon na sue you and I got evidence.

And Im also going to get my lawyer to file complaint on you for denying me my legal rights for arbitration I want the arbitration information and I want it today and I hope somebody get fired Im gon na sue you
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-06-13
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. (VA)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (NC)

Subject : Cease and Desist Harassment Regarding False Brinks Debt Collection To Whom It May Concern, I am writing to address a fabricated debt collection from Zion Debt Holdings regarding a purported non-payment related to a BRINKS account. This baseless claim has now escalated to the level of harassment. 

I canceled my XXXX service years ago due to a breach of contract on their part. XXXX failed to meet their contractual obligations by not contacting my home during multiple alarm triggers. As a result, I terminated the contract, as evidenced by the attached confirmation email documenting BRINKS ' receipt of my cancellation. 

I have already communicated with a XXXX representative concerning this matter. The documents confirming my cancellation, which I signed and returned via email, were provided by them. I adhered strictly to XXXX ' protocol for canceling the service. Furthermore, I have attached documentation of a dispute I filed with my credit card company after XXXX continued to charge me post-cancellation, which occurred in May. It took XXXX nearly a month to provide these documents, further demonstrating their incompetence. 

To officially cancel and close an account with Brinks, their protocol requires sending a digital document through XXXX for me to sign. Which of course I did. As you are likely aware, with XXXX, only the sender of the document has access to view or resend the original document. While I do not have access to the original document, I do have a confirmation email on my end verifying that the account was indeed canceled and closed. This confirmation is attached for your reference. 

XXXX was allotted 90 days to respond to my credit card company regarding the dispute, and as evidenced by the attached documentation, they failed to do so. Additionally, you will find a document dated XX/XX/2022, where XXXX attempted to regain my business by offering discounts. This clearly contradicts the assertion that I was a non-paying customer. It is unreasonable to suggest that a company would actively seek to retain a customer who allegedly had outstanding debts. 

I followed all necessary protocols to terminate my service with XXXX, and their continued incompetence in handling this matter is unacceptable. I have notified XXXX, XXXX, XXXX, and our family attorney regarding this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (LA)

The following info is the result of past and ongoing ID THEFT issues. 
Please remove and or block Immediately upon receipt of this letter. 
Per the FCRA if the disputed info can not be confirmed or proof provided to me that I supposedly opened these accounts and made these inquires then they have to be removed! The info is FRAUD and I demand that the following be removed! EQUIFAX ACTS AS IF IM LIEING ABOUT THIS FRAUD AND WILL NOT PROVIDE ANY PROOF OF ANYTHING. EVERYTIME I REACH OUT TO THEM VIA PHONE I GET SOMEONE IN A CALL CENTER OVERSEAS WHO SPEAKS BROKEN ENGLISH AND REFUSES TO HELP ME AND BASICLY ACCUSES ME OF LIEING! WHY CANT EQUIFAX TAKE FRAUD SERIOUSLY? 
XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX