davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AK)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (PA)

I called First Digital credit card company on XX/XX/XXXX, approximately XXXX XXXX and paid off my balance in the automated system. I called them back and spoke to a live agent and closed my account. They confirmed my account has a XXXX XXXX balance and sent me a letter to confirm I have a XXXX balance. 
On XX/XX/XXXX I received an alert about a past due balance. I noticed it was the account that I paid off in XXXX. I called them immediately and escalated to a supervisor who waived the charges. The name is XXXX, he promised a call back Monday to confirm. He never called me. 
I called back today, the first agent won't speak with me, after 20 minutes asking for a supervisor and being denied I hang up and call back. Next agent tells me I have a {$21.00} credit on the account and it's closed, I asked for a supervisor and I was connected to the same person, XXXX. He pretended that he did not know me, and pretended that I did not have an account and refused to speak with me because he could not verify my identity .These people have caused my credit score to drop 80+ points on obesity of my 3 reports and pretend that they do not know me, they are also denying me to speak with anyone at this company. It's time that a gift agency step in on my behalf Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These people need to close the account correctly, send me another letter stating such, and FIX my credit bureau reports. They are causing me undue stress, and causing harm by incorrectly impacting my credit scores on all 3 bureaus.
Consumer complaint received 2024-01-02
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. (NY)

I recently checked my credit report and I found out a billing error that violated the Law I attached the PDF file of my dispute letter that were sent to the involved Bureau My dispute letter was ignored and nothing happens so far.
Consumer complaint received 2023-12-12
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. (AZ)

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am giving XXXX, XXXX and experian on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service XXXX and XXXX and experian Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (GA)

Pursuant to the Equifax lawsuit with the FTC in 2019 there was a data breach effecting XXXX XXXX consumers including me. According to Equifax this data breach resulted in my personal information such as social number, date of birth, name, and address to be stolen. Equifax failed to create a system that detects and responds to high risk security vulnerabilities allowing hackers easy access to my personal information.Equifax also failed to implement protections against many known and foreseeable vulnerabilities. It is there duty to protect the consumers PII and they have failed that duty. In result of their failures to comply with their duties I was a victim of identity theft.Equifax has already agreed to fund {$100.00} XXXX to the cfpb for the consumers who were effected liked me. I never gave consent to Equifax to store my information and as a federally protected consumer I have the right to privacy. Congress has found that Equifax assumed this role pursuant to 15 USC 1681a ( 3 ). I did not give Equifax consent to publish my information. They were being unfair, impartial and disregard my right to privacy pursuant to 15 USC 1681a ( 4 ).

Being this role was ASSUMED, equifax has no permissible purpose pursuant to 15 USC 1681b. I as the consumer never instructed equifax to finish this report and I never consented to any information on these reports to be true, if so I would like to see proof of this consent to furnish this report and where I consent to the information in the report to be furnished.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I submitted this complaint to update this suspicious information. Credit Bureaus must REMOVE these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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: EdFinancial Services (NY)

I had student loans serviced by Edfinancial. I paid these off in full on or about XX/XX/year>. I waited 5 months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted Edfinancial, and after they didn't respond I contacted XXXX in order to have my credit report updated to reflect that this debt had been paid in full. After I submitted my dispute to XXXX my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and one account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it. I disputed this account twice, and called XXXX and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except XXXX, and the student loan servicer does not dispute that it was paid in full and was not settled. I need this remark removed from this account. I've never settled any account for less than the full amount I owed. 

I've submitted multiple disputes through XXXX, and via phone through EdFinancial, and this has not been resolved. THIS HAS BEEN A PROBLEM FOR MONTHS. I am very close to taking legal action against EdFinancial over this issue. This is my last attempt before proceeding with that legal action.
Consumer complaint received 2024-04-23
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Consumer complaint received 2024-04-22
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. (SC)

CEASE AND DESIST UNAUTHORIZED USE OF TRADEMARK XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Consumer complaint received 2023-10-09
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)

I AM VICITM OF AN IDENTITY THEFT, PLEASE ACCEPT MY TRUE STATEMENT. FOR YEARS NOW I HAVE TRIED NUMEROUS TIMES TO RESOLVE THIS ISSUE WITH THE CREDIT BUREAUS AND THE ACTUAL INDIVIDUAL CREDITS, BUT SEEMS LIKE THEY ARE NOT NOT HEARING MY COMPLAINT. WHEN A THIEF STEELS YOUR INFORMATION ITS ONLY OBVIOUS THAT THEY HAVE ALL CORRECT INFORMATION THEREFORE THEY ARE ABLE TO OPEN FRAUDULENT ACCOUNTS USING THE VICTIMS INFORMATION. PLEASE NOTE THAT I AM VICTIM OF AN IDENTITY THEFT, AND SOMEONE I DON'T KNOW WHO STOLE MY INFORMATION BUT THE FACT OF THE MATTER IS THAT MY INFORMATION WAS STOLEN AND THE ACCOUNTS WERE OPENED. I THINK AT THIS POINT THE CREDIT COMPANIES WERE NOT CAREFUL ENOUGH TO SEE WHO WAS REALLY APPLYING FOR THE CREDIT. HOW IS THIS MY FAULT.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

Back in XXXX I had called EdFinancial to inquire about an income driven repayment plan. On XX/XX/XXXX, I called and they told me my request was going to be processed within 26 days. I checked my account on XX/XX/23 and I saw that I was still in the standard repayment plan. My process was never processed. I submitted another request on XX/XX/23, and I am hoping to get this resolved before XX/XX/23 as that is when I have to start paying my loans back. I cant afford to pay $ XXXX for my loans. Additionally, approximately 2 weeks ago I called around XXXX and left my number so they can call me back. The wait time was 5 hours and I never got a call back!
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I have been trying to get Mohela to process the recertification form for my XXXX student loan forgiveness since XXXX. I have 113 qualifying payments and 120 are needed for public student loan forgiveness. I would reach the 120 payments if Mohela would process my employment recertification form for calendar year XXXX  that I mail in XXXX  of XXXX  and I also mailed a new form in XXXX  of XXXX  because my file was never updated. I have called and they tell me they will update my file with the form within 2 weeks and nothing is ever updated. Last time the representative XXXX XXXX is the only identification she would provide ) told me that they have missed processing the form because they are being marked as duplicated. I said why, they could not tell me why. When I have asked to speak to a supervisor they tell me it would be at least an hour. 

I think they are intentionally not processing my form to stop me from getting loan forgiveness. 

When I ask for a name of who is helping or a badge number for identification -- they will not give me any identifying information. This place is fraud. 

To be clear, I am not asking CFPB to weigh in on the legitimacy of my PSLF form ( I have worked at the same qualifying employer for over 17 years ) rather asking PSLF to make Mohela comply with the law and process client forms in a timely manner. Moreover, they should not be blocking legitimate PSLF applications from being processed for loan forgiveness. 

In the uploads I have attached a few things : XXXX. Webpage that shows I am 113 of 120 payments toward PSLF 2. Webpage showing uncertified payments in XXXX. 
3. Employment Info shows they have my employment at XXXX XXXX XXXX XXXX through XXXX. 
XXXX. Documents Received : this shows the forms I have sent in any both marked duplicate. I would have attached the PSLF form, but it does have my SS # and other personal info.
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (TX)

I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed. The creditor is violating FCRA Section 604 and 609. I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of XXXX, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report.
Consumer complaint received 2023-10-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC (TX)

Recieved a few emails claiming there is an unpaid loam I need to resolve with speedy cash. Account was paid off a few years ago after contacting the company. The person continues to send threatening emails of me having a lawsuit and need to pay XXXX today or social security number will be blocked, major credit bureaus. Emailed came from : XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am complaining because of XXXX  allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my profile.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
Consumer complaint received 2024-04-23
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 U.S.C 1681. 

1. XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C  1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing of the following items of information.Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.
Consumer complaint received 2024-01-02
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. (NY)

The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/2018, however, they sent me a bill as proof dated XX/XX/2018 with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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. Bankruptcy XXXX XXXX-discharged Reference number : XXXX