davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (NJ)

On XX/XX/year> someone fraudulently emptied my saving and checking account. I just happened to open my account and catch these unauthorized transactions from someone that was draining my savings account and putting the money in my checking account, then taking all the money. I was UNABLE to access anyone at SOFI for XXXX min- just the robo stuff. When I finally did, the XXXX XXXX instructed me to a page where i WAS ABLE TO STOP XXXX TRANSACTION, but unable to stop the one that was already in pending status. 
I am furiously asking the CS rep what to do next, how is this possible, who can i call... etc. The answer was Someone from SOFI will be back to you in XXXX hours. No one right now. I assumed because of the time zone difference. 
Exactly XXXX week later, on a Monday, at approx the same time, as I was checking my account ( Still no one from Sofi contacted me ) because I had a large loan payment coming out, the Identical thing happened!. The money was drained from the XXXX account to the Checking account. And this time, the transactions could not be stopped! I NEVER heard ANYTHING from SOFI re : these occurrences until the 'past due loan dept '' called me and I yelled at them and said that you aren't able to help me retrieve my money but you want your money. That representative made out the XXXX report. I am XXXX XXXX XXXX. I told them that I have NO understanding how this occurred. But if you check all of my transactions for my entire life 's history, I have never had anything like this occur. I didn't know the perpetrators. I hadn't been late in a payment in 20 years. And why would would I drain my own account in the face of a {$1900.00} loan. 
I want my funds returned. I want the perpetrators caught and punished. I want a better streamlined SOFI system to handle these issues, not just pleasant, calm Customer service reps who are super friendly but totally useless- like people living in a silo 's unable to render real assistance. And when the Customer is told that someone will return your call, its not in XXXX hours, or XXXX business days-and they never do!. UNACCEPTABLE! 
The company has already responded to California BBB that I made the transactions and that this is not fraud and I will NOT retrieve my {$7000.00}
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union charged my account {$29.00} for a returned check fee that I did not do. I also have no way of writing checks or authorized any e-checks. Navy Federal Credit Union also has not turned over complete banking records to prove the money they took from my tax refund was appropriate. They are not providing the charges but summary of banking credit and debits. If Navy Federal Credit Union can not prove the claims I owed this money it should be returned immediately.
Consumer complaint received 2024-10-22
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. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The information listed below, which appears on my credit report, is the result of XXXX XXXX. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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)

This letter is a formal dispute of the debts associated with the above-referenced accounts, which are listed on my credit report. I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ).

1. Cease All Communications : Pursuant to 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding these accounts. You are only permitted to communicate with me to ( a ) confirm that collection efforts have stopped or ( b ) notify me of any specific legal action you are taking.

2. Dispute of Debt Validity and Request for Verification : Under the FCRA ( 15 U.S.C. 1681i ), I am disputing the accuracy and validity of these debts. If these accounts have been reported to any credit reporting agencies, I request that the accounts be marked as " disputed '' while you investigate my dispute.

Furthermore, under 15 U.S.C. 1692g of the FDCPA, I am requesting written validation of the alleged debts, including : The original creditors name and address A detailed breakdown of the debt, including interest, fees, and principal amounts Proof that you have the legal right to collect these debts Any contracts, agreements, or statements that demonstrate I owe the amounts claimed 3. FCRA Requirements for Reporting : While the debt is in dispute, you are legally required to inform all credit reporting agencies that the debts are disputed, in accordance with the FCRA. Failure to accurately reflect the dispute status on my credit report or any further reporting of inaccurate information could result in legal action for violation of my rights under the FCRA.

4. Legal Consequences for Non-Compliance : If you fail to comply with these requests, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. Under these laws, I am entitled to statutory damages, as well as any damages resulting from continued reporting of inaccurate or unverified information.

Please provide me with the requested validation and any supporting documentation within 30 days of receiving this letter. Until these matters are fully resolved, I expect all collection efforts, including phone calls, letters, and other forms of communication, to cease.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. Below are the following collection accounts that I would like to have permanently deleted from my Equifax Credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
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. (WI)

XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$2200.00} XXXX XXXX, {$500.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( Inquiry ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX WI, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX ( Inquiry ) These inquires and collections do not belong to me!
Consumer complaint received 2024-10-22
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-22
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)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Experian and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-08
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: NEW YORK COMMUNITY BANCORP INC (TX)

Flagstar Bank violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on paymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Coronavirus Delete lates payment from credit reported Within 30 days of this notice.
Consumer complaint received 2023-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.
Consumer complaint received 2024-07-22
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: CITIBANK, N.A. (MO)

Our primary dentist referred us to a XXXX  XXXX who claimed to be a XXXX XXXX XXXX XXXX. However, we later discovered that the XXXX had been dropped as a preferred provider, resulting in XXXX XXXX charging us out-of-network rates. Furthermore, the specialist failed to complete the dental work, leaving the XXXX XXXX Additionally, at the end of the incomplete procedure, while my wife was still XXXX  XXXX, the specialist raised the initially quoted price from under {$500.00} to the out-of-network price of {$1600.00}, and then proceeded to charge the credit card for the higher amount without prior consent. 

We initiated a dispute with Citi Bank 's credit card ( XXXX ) over the unauthorized charge by the XXXX  XXXX. Despite providing comprehensive evidence, Citi Bank repeatedly asked for the same documentation that had already been submitted. Every time we called the dispute customer support, the agents reviewed the submissions and expressed confusion as to why the dispute was closed and the information re-requested, affirming that the provided documentation was more than clear. Citi Bank could not specify what additional evidence they needed that we had not already provided. Nonetheless, Citi Bank continuously closed the dispute without proper review. Eventually, they refused to reopen the dispute, claiming the time for disputing the charge had expired.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

This account was included in my XXXX XXXX XXXX XXXX but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.
Consumer complaint received 2024-07-29
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: Paypal Holdings, Inc (NY)

I was charged XXXX by PayPal and left a. Negative balance When I ask what its for I dont get an answer The money that went from my bank account to PayPal XXXX not go towards any balance owed Also XXXX charges for XXXX are not legitimate charges I have called with no help at all XX/XX/year>XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

I received a letter date XXXX XXXX XXXX, from debt collector Rushmore Servicing. I do not and have not had any business relationship with Rushmore Servicing. I am demanding Rushmore to cease and desist and validate the purported debt they are purporting to collect.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I requested that XXXX close my credit card account shortly after I moved away from XXXX XXXX in XXXX. The representative refused my request and stated that I would have to come in person to close the account. I paid all balances, cancelled the card, and thought all was well. In early XXXX I decided to move from XXXX XXXX XXXX and, again, requested that XXXX close this account. I worked with them for over a week via phone, secure chat, and email to finally get them to allow me to digitally sign the form to close my account. To my surprise they stated that I had a past due balance and XXXX notifications from XXXX in any way. I was surprised, but paid the ~ {$300.00} to check the box and continue with my move preparations. Now I am noticing that XXXX reported 6 late payments, which is destroying my credit. I reached out to XXXX to resolve the issue. They stated that since my account was already closed they would not be able to look into or dispute charges. I believe this is a malicious action taken by XXXX that should not reflect poorly on my credit.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX