davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/year>, I attempted to withdraw cash from my SoFi checking account, using my ATM card, at three separate ATMs in XXXX. The transaction was declined at all 3 ATMs, even though I had more than sufficient funds in my checking account. 

I contacted SoFi 's customer service via the " chat '' function on their website and asked the agent why my card had been declined at the ATM. The agent informed me : " it appears here that the transactions are being blocked by SoFi. Unfortunately, there is nothing else I can do in that regard. I do apologize for the inconvenience. '' I asked to speak with someone who could assist, and then agent told me " there is nobody that can assist with this matter. '' I informed the agent that SoFi 's website states : " You can use your SoFi Money Debit Card in over XXXX countries around the world including, XXXX, XXXX, XXXX, XXXX, and the XXXX XXXX, for purchases and ATM withdrawals wherever XXXX is accepted. The funds will be withdrawn in the currency of the country where you made the purchase or ATM withdrawal. You no longer need to notify us when traveling internationally. We made changes to ensure your purchases will not be interrupted. '' The agent responded : " I do apologize for the misinformation, but there are certain countries that are not allowed. '' When I followed up to ask if I could use the card in XXXX, I was told, " the transactions in that country will be blocked as well. '' I asked the agent to please inform me how to access my cash, and he said, " You can access it in a country that is not blocked. '' As a result, I am traveling in XXXX and XXXX with no way to withdraw any cash, and with no warning from SoFi, as their website failed to advise that ATM withdrawals are not " blocked '' in those countries, and in fact specifically stated that there is no need to notify SoFi when traveling internationally and that purchases would not be interrupted.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

Department of treasury placed a public record onto my XXXX credit report due to a collection of {$300.00}. As of 2018, public records are no longer included into your Credit report. Please remove this public record from my XXXX credit report.
Consumer complaint received 2024-01-02
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)

To Whom It May Concern, I am a consumer-defined under 15 USC 1681a ( c ). I noticed a charge off XXXX XXXX XXXX XXXX on my consumer credit report. According to the XXXX, a charge-off is defined as a certificate of indebtedness, meaning it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it's illegal to report transaction history. If not removed, I will file legal action. In Good Faith With Prejudice XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX XXXX  Date Opened : XX/XX/XXXX  Balance : {$0.00}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I request all three consumer companies XXXX, Transunion and XXXX to update my credit report reflected that my student loan was forgiven. I sent them written correspondence from the original lender to make the correction so far no response.
Consumer complaint received 2023-04-25
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. (DC)

I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a legal right to dispute anything on my credit report that was not authorized by me. there area accounts on my credit report that does not belong to me and that is in violation of FCRA. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-02
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. 

XXXX XXXX XXXX XXXX, FAIR COLLECTIONS & OUT XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been disputing accounts opened under my name that were not opened by me. My personal information was exposed in an Equifax data breach. I have not received requested documentation supporting the claim that bureaus are reporting back the the account " does belong to me. '' I am under the impression that this company is not even investigating any of these disputes. Instead I have been hit with stall tactics with responses asking for me to prove my identity by getting my disputes notarized which I have complied.
Consumer complaint received 2024-05-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc. (MN)

XXXX or XX/XX/XXXX I canceled prepaid internet service with XXXX XXXX 
I left the country for a year. 
XX/XX/XXXX, I am opening my mail, I find a prepaid card from XXXX provided by North Lane Technologies , Inc. in XXXX, PA. 

The card I received was for the amount {$43.00}. The card expired in XX/XX/XXXX. The mailing envelope the card came in was postmarked XX/XX/XXXX ( see attachment ). There was a 6 month window in which to use the funds. 

I was gone, there was no opportunity to use the card, and the company charged an inactivity fee of {$3.00} per month. I'm sure this is often done to wind down inactive accounts, and I understand they have operating costs, but I NEVER AGREED TO THE TERMS OF THE CARD or the account, they were forced on me. It's {$9.00}, but this is a predatory business practice and should be stopped. 

When I called today, XX/XX/XXXX, I spoke to a customer service representative, and they offered to cut me a check for {$34.00} and mail it to my current address. This was the original amount minus 3 months of {$3.00} inactivity fees. They said they could not reverse those charges and offered to let me speak to a supervisor. He listened to me, but couldn't do anything. He offered to report it to his supervisors, but he had no names, just a vague description of a team.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I called and spoke with XXXX today then another agent checking on the status of my claim- - I received this code after filling out this form online on XX/XX/23 - # XXXX which they could not find in the system? I was told the Head of the Mailroom received the letter I sent in the mail on XX/XX/23 but he did nothing with my question or letter WHY? You could find my name but no complaint??? 

I was in my Experian file and inserted my NEW INCOME at my job of {$95000.00} and my social security of {$1500.00} a month an additional {$18000.00}.. My debt to income ratio went from 34 % to 19 %!! THIS IS A HUGE DIFFERENCE when it comes to qualifying for credit or rates offered. In buying a home it could be thousands of dollars!! In the past I have been denied credit because of my CREDIT SCORE or I GET OFFERS FOR CREDIT CARDS AT 29 % +... 

I sent an online email to Experian and was told that they DO NOT UPDATE income and they us a national base of $ XXXX NOT MY ACTUAL INCOME... THIS IS SO WRONG ..I AM BEING MANIUPALATED BY THIS CREDIT REPORTING AGENCY!! 

MY QUESTIONS.. Is this A STANDARD PROTOCOL FOR all credit agencies- XXXX XXXX XXXX as well. ..What can you do as a Consumer Credit agency to help me get resolve in this issue? 

TO BE CLEAR.. I want to file a COMPLAINT ON ALL THREE CREDIT AGENCIES- EXPERIAN, XXXX AND XXXX.. 

I want to receive in writing what their policy is on reporting REAL INCOME ( verifiable ) vs. the model or $ $ they use when doing credit ratings.. .ANY OTHER INFORMATION YOU CAN FIND WOULD BE APPRECIATED AS WELL....
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

On XXXX, XXXX | sent out proof of verification letters to Equifax, XXXX, and XXXX, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXXXXXX XXXX XXXX XXXX  XXXX ( Equifax ) XXXX ( XXXX )
Consumer complaint received 2023-08-27
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)

See the attached documents.I 'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! REMOVE THESE ACCOUNTS AS SOON AS POSSIBLE!!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NY)

Subject : Formal Complaint Regarding Severe Negative Impact on Credit Score due to Federal Student Loans I am writing to file a formal complaint regarding a significant issue that has severely impacted my credit score due to federal student loans. I believe that this situation is unjust and requires immediate attention to rectify the damage caused to my credit profile. 
Federal student loans, managed by authorized student loan service providers selected by the federal government, should not negatively affect credit scores. However, since the disbursement of my first federal student loans by the Department of Education-selected student loan service provider XXXX XXXX XXXX XXXX XXXX " XXXX '' ), followed by Department of Education-selected student loan service provider Aidvantage, my credit score has plummeted by over XXXX points. This decline in my credit score not only undermines my financial stability and ability to navigate in this country but also hampers my prospects for obtaining non-governmental federal loans at low interest rates which represent my previously long held excellent credit score critical to my financial well-being, security and furthering my education. 
The service loan providers involved in this matter are as follows : Service Loan Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Service Loan Provider : DEPT OF ED/AIDVANTAGE Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX I understand that federal student loans are meant to support students ' education and financial well-being. However, the unintended consequence of negatively impacting my credit score severely undermines the purpose of these loans and puts undue financial stress on individuals like me. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action to rectify the damage done to my credit score due to federal student loans. It is essential that corrective measures are taken to prevent this issue from affecting other individuals who rely on federal student loans to pursue higher education. 

I appreciate your attention to this matter and your dedication to consumer protection. Please keep me informed about the progress of this complaint and any actions taken to address the issue. 

Thank you for your time and assistance.
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I recently submitted a dispute letter via certified mail to Experian. Experian 's responded as quoted : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. ''
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC (MO)

I been sending in my XXXX XXXX XXXX XXXX XXXX  and they keep saying the don't accept the form of payment legal tender only but according to ucc conversion of a negotiable instrument is legal tender. Because we don't use gold or silver .ucc 3-104-negotiable instrumen ucc 3-603-tender of payment ucc 3-419 conversion of instrument they never returned my originals so i take that as being paid on a forged endorsement. And i sent this to them every month so I'm not in default or behind on my payments.

HJR-192 this is also a 1099-c on they file i also sent in a RESPA REQUEST, DEBT VALIDATION and they refuse to honor my request
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXX XXXX XXXX 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 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (SC)

Using SoFi I ACH transferred {$10000.00} to XXXX to invest in crypto after which I had a 54 day hold on my investment, my banking info was then removed from XXXX and unable to add it back, after this point XXXX asked me to upload my ID and after I did they placed me in an indefinite length restriction with no updates where I cant even close my account and get my money back. I reported this to SoFi as fraud and refundable under the XXXX 60 day rule. SoFi made a low effort attempt to contact XXXX and did not get me my money back. Additionally they have no customer service competent or willing to work on my behalf during this blatant fraud.
Consumer complaint received 2023-10-30
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)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

XXXX set collection company keeps calling and sending me letters. The Old Navy debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least XXXX calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.
Consumer complaint received 2018-12-26
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: Ability Recovery Services, LLC (GA)

The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX. 
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.