davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Discharged XXXX : Bankruptcy Reference number : XXXX
Consumer complaint received 2020-07-28
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

LexisNexis and XXXX continues to report inaccurate information. My only name is XXXX XXXX. There should be no other names listed. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address is incorrect and you do NOT have my consent to report. This is my character that you are damaging and you are subject to federal penalties for further inaccuracy. Take note of this notice XX/XX/!
Consumer complaint received 2024-04-20
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. (DE)

I am writing to formally request the removal of [ specific student loans ] U.S Department of EdXXXX from my account with U.S Department of Education , citing the provisions of the Family Educational Rights and Privacy Act ( FERPA ).

As outlined in FERPA regulations, educational records, including student loan information, are protected and can not be disclosed without explicit authorization from student or their legal guardian. As the borrower. I assert my rights under FERPA to have these loans removed from my account.

Please find enclosed any supporting documentation, such as proof of enrollment or relevant records to support my request. 
I kindly request that you process this request promptly and provide written confirmation of the removal of the specified loans from my account. 
Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PLS GROUP, INC (TX)

I was at work and started getting notifications so I look at my phone and XXXX dollars was withdrawn from my account so I called immediately and reported it, I was told this happened in XXXX and I'm at work in XXXX and I only have 1 card and it was with me, they denied my claim said they couldn't find any errors, I asked for the copy their findings on their investigation because there was an error and I still haven't received anything about the investigation and if they really did investigate they could have seen who was at the ATM withdraw money and I could have pressed charges I don't think they did investigation there's no way that they couldn't find the error
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I submitted a complaint already XXXX. I have been trying to get my cosignor released. First they told me I didn't make 36 consecutive payments and sent me a denial. Then after I contacted them they realized they were wrong and had to resubmit the form again stating that us citizenship was not checked off. I then was told they could take it verbally and the a letter stating it had to be resubmitted again. 
I then receive a letter dated XXXX stating I meet the eligibility of cosignor release. Then on XX/XX/12 I receive another denial letter. This has been going back and forth with stating it will be then it won't be. I hope the cfpb will look at this and agree that citizens stated the cosignor should be released and process this with out any more issues.
Consumer complaint received 2018-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IN)

I was told that I would have to pay a specific amount bi weekly, the amount was {$100.00}, but on my paydays almost {$300.00} was taken out of my account. XXXX XXXX XXXX keeps calling my job and I am not allowed to take personal calls. This could easily result in me getting fired. I have explained to them on severeal occasions that they can not continue to call my place of employment but my request have been ignored. This is illegal and has to stop immediately.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

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 2024-04-13
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I received a letter from Transworld Systems , Inc dated XX/XX/XXXX in regards to a utility bill in the amount of {$430.00}. Back in XXXX of XXXX another Collection Agency company contacted me in regards to this same debt. At the time it was only on my XXXX  report. This debt is not mine, so I disputed it and it was deleted off of my XXXX  credit report and I have all of the proof. Transworld Systems , Inc. just put this on my credit report ( XXXX & XXXX ) without sending me any type of notice in the mail stating that I have 30 days to dispute the validity of the debt. I did start the dispute process and the letter I received from Transworld Systems , Inc. stated they received the dispute and how they have a relationship with the Credit Bureaus. That is violation number one, how can they just put something on my credit report without giving me a chance to respond because they didn't send me a notice. According to the Fair Credit Reporting Act the Credit Bureaus must verify all information that they get from banks, credit card companies, debt collection agencies, etc. The Credit Bureaus must have the, " ORIGINAL SIGNED CONTRACT. '' Under section 609 of the Fair Credit Reporting Act, the Credit Bureaus are suppose to have this contract to make sure it is valid/correct. Under federal Law, an UNVERIFIED account must be deleted. This is not my account, this company is not the original creditor. All these companies buy paper/screenshot. This is considered a charge off. these companies file a 1099 to the XXXX and this debt becomes taxed to me. You can not collect debt on taxed income. Again, this is not my account, this has been deleted from my XXXX  Credit Report and still is on my XXXX and XXXX Credit Report. I have started the dispute process with XXXX  and XXXX and mailed it out on XX/XX/XXXX certified mail with return receipt for both accounts. The estimated delivery date was XX/XX/XXXX. I mailed into the Credit Bureaus XXXX and XXXX my dispute letter, both of the letters from the last collection agency who had this account, the deletion letter from XXXX, the 1st and only letter mailed to me from Transworld Systems , Inc. a copy of my Driver 's License and Social Security card so that they know it is me. This company has already put something on my credit report without giving me 30 days to dispute the validity of the debt. I do not feel comfortable sending this company any of my personal information, because look how they already do business! I have sent everything to the two Credit Bureaus and that is why I have not loaded any documents to go to this unaccredited debt collection agency because I sent everything to XXXX and XXXX.
Consumer complaint received 2018-08-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Today XX/XX/2018 Equifax added a personal statement to my consumer credit file without my consent. The statement they added was for as an explanation on a account I was disputing. This was not to be meant to be used as a personal statement on my credit report. Not only that but Equifax added my ex wifes name to the consumer statement. I want them to remove the consumer statement. I never gave them consent to use my dispute explanation as a consumer statement. I have included a screen shot of the consumer statement Equifax added to my credit report without my consent that violates my rights and privacy.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance $ 427 Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-08
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. (NY)

XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX ontact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My report claims I lived at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX I have never in my life lived in or been associated with any individual from XXXX, XXXX. This date has never before appeared on any of my credit reports and looking at each individual it is still not showing on them. It needs to be removed. It says I resided here from in XX/XX/XXXX, I wasn't even born until XX/XX/XXXX and my SSN is valid and was issued when I was born in XXXX XXXX, XXXX in XX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Source Receivables Management LLC (NV)

Please be advised I sent a letter over 45 days ago without a response as per the FRCA. I know the credit bureaus are required to report in a timely manner or they must delete the erroneous items by law.
Consumer complaint received 2023-09-29
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 (AZ)

On XXXX, I received two credits back to my account each for {$110.00}. This was completed in error and the company who refunded me admitted this was incorrect. I called Capital One to reverse the credits and they refused to cooperate. They insisted they can't reverse the transaction and this is a violation.
Consumer complaint received 2024-04-13
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. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout, I've guaranteed punctual payments for this account, ensuring they never lapse into arrears. However, I'm uncertain about the rationale behind notices of tardy payment annotations on my records. As per the regulation outlined in 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-13
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. (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.

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 2020-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I received approval for a {$5000.00} line of credit through XXXX XXXX. There was a promotion going for the space of year as far as repayment and finance charges. Less than 30 days after the end of the Promo term I called and attempted to pay the debt in full but the finance charge had almost doubled my total. I explained That I was late by less than the 30 days Due to COVID related disruption to my income and requested to have the finance charge removed. I spoke to representative and sent several messages. My payments have been consistent and yet the lender is refusing to acknowledge my dispute. I am still attempting to pay but the monthly payment requirements have also doubled. I am unsure how to proceed and feel that their practices are extremely unethical especially given the current crisis.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, my then fiance and I got a home loan from Countrywide. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. Bank of America took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of Bank of America. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with XXXX  XXXX was part of escrow. Each year, from XX/XX/XXXX to XX/XX/XXXX, the annual homeowners premium increased and Bank of America never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, Bank of America began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XXXX of XXXX, when the home was sold by his family one year after his death. Oh yes, and 1. They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By Bank of America. I am trying to fix this misjustice. My credit is under 500. 3 years of late payments on a  mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. Bank of America should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2023 Ace cash express printed a check, put my name on it but incorrectly and cashed it at my bank for {$77.00} Ace did not have permission to do so. In fact a revocation letter had already been sent and email was received stating they received and ACH payments discontinued.