davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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)

This is my 7th time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from your bureau. Ive also reached out to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX/XXXX  is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

EdFinancial has not applied two payments I made on XX/XX/2023 ( see other complaint about that ). They admit they got the money on XX/XX/XXXX, but can't seem to post my payments and can't tell me when they will post these payments.

Unfortunately they have now issued me an incorrect 1098T showing interest paid from only one payment not the three payments I've made in XXXX.

Called to request they correct but just this morning I got email saying they issued my 1098T. It's still wrong. 
How can I file my taxes This is completely messed up Please do something
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has recently been made known to me of the practices of Transunion, XXXX, and XXXX [ hereinafter the respondents ] have breached certain privacy laws. The unlawful actions of the respondents have adversely affected me. The information that the respondents have furnished to associations in regard to credit transactions is considered my private non-public consumer information. Due to the actions of the respondent, I have been adversely affected by lenders and denied credits for the respondent has failed to ensure the security and confidentiality of customer records and information. 15 USC 6801. Credit Inquiries - Any report containing information solely about transactions or experiences between the consumer and the institution making the report, is the consumers private information. The respondents have furnished my private information, being information solely about transactions and experiences between myself the consumer, and the institution that reported the information to the non- affiliated third-party respondents [ credit inquiries ]. If in any way the respondents were granted consent [ to furnish my private information/hard inquiries ], written or non-written, verbal or non-verbal, internet cookies, through any access device, with or without proper consideration ; it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority and I thereby opt-out. I the consumer can opt out at any time per 17 CFR 160.7 ( f ). I, the consumer, never received the required privacy notice from the involved agencies that could have very well prevented socioeconomic discrimination regarding credit transactions that I have experienced.
Consumer complaint received 2024-01-15
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with XXXX XXXX and Capitol One. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that XXXX XXXX and Capitol One operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or XXXX XXXX and Capitol One. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record permits neither XXXX XXXX or Capitol One have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.
Consumer complaint received 2024-05-18
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

{$650.00} was unauthorized and transferred to an account without my knowledge in the wee hours in the morning according to Money Network Bank. Since I had caught the transaction early ( hours after same day ) they had a chance to stop it before it successfully transferred ( it takes 3 days to transfer ) they still had to do their fraud investigation. I kept in contact with them of course the whole time from XX/XX/year> when it happened til I got the denial letter XX/XX/year> I kept getting the run around. Some employees said it would take 44 days, some said it takes 90, some said I should get a check in the mail and that it has been solved along with a letter. I was also mailed another card but couldn't activate it an was told that I shouldn't have never been mailed a new card. I got mailed papers to fill out so I can get temporary pay until the investigation was over. I emailed that in and I was told I should get a card or check within 3-5 business days and never recieved anything. I am not the only person this has happened too. I've XXXX  it and they're hundreds of people going through the same thing with this bank. I am not going to let them take my money. When they canceled the transaction before it got transferred to where ever so it should have automatically been given back to me. It doesn't make any sense to why I can't get my money back. I'm on maternity leave I have a XXXX an I'm behind on rent and bills and them taking my money an denying my claim when I didn't make that purchase, authorize a transfer or anything and it was canceled before it can even be transferred.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 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 2024-05-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a physical Amex eGift Card. I activated it and can see the full balance, that it is valid, and it should be working fine. 

I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction isdeclined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (OK)

I requested debt validation never received any information. 
The original debt was with Regional finance. Debt was sold to XXXX XXXX XXXX acct # XXXX I dispute this debt regional finance ok Wrote this debt off as a loss for tax purposes & reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611 which supports my dispute
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and request the correction of inaccurate information on my credit report. After careful review, I have identified discrepancies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX BALANCE : {$1100.00}, and XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$430.00}. The aforementioned accounts are currently reported with late payment dates and negative status, which is inaccurate. I have contacted the respective creditors, and they have acknowledged that the late payment dates and negative status were the result of an internal error on their part. Consequently, they have agreed to rectify these inaccuracies and remove the negative information associated with these accounts. 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 2024-01-15
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a Truist Bank account in XXXX and encountered issues accessing my account information online. When I called customer service, they couldn't verify my phone number and advised me to visit the branch. Despite registering my number at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, the problem persisted. On, I attempted to transfer {$250.00} via XXXX to my XXXX XXXX account, but the transaction was held, and my account was subsequently blocked due to verification issues. Multiple calls to customer service and another branch visit on [ XXXX XXXX did not resolve the problem. As of XX/XX/XXXX, my account remains blocked, leaving me without access to my funds. 

Throughout this ordeal, Truist Bank has been unhelpful and unresponsive. Customer service repeatedly failed to verify my phone number or provide a permanent solution, and my visits to the branch were met with delays and ineffective resolutions. Their inability to address these issues has caused significant financial stress, especially as a XXXX  relying on these funds for daily expenses. Caused me significant mental stress cause I have been without food for the past two days just because the systems of truist are age old and not upto date.
Consumer complaint received 2024-01-15
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)

On XX/XX/XXXX I disputed several inaccurate accounts that is being reported by XXXX credit bureau, I never received a response and it has been over 30 days I request that these accounts and inquiries be removed at once PER THE FAIR CREDIT REPORTING ACT. Furthermore this credit bureau is allowing companies that are not licensed nor registered to collect debts in the state that they are reporting to I am enclosing document for your review. Furthermore pursuant to section us code 1681 e ( b ) Accuracy or 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 must be 100 % accurate across all three agencies. these accounts must be deleted immediately this account is being reported inaccurate which is a big violation. 

FTC IDENTITY THIEF REPORT NO : XXXX COLLECTION ACCOUNT, XXXX XXXX XXXX, ACCOUNT NO. XXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXXXXXX FTC XXXX THIEF REPORT XXXX : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX INQUIRIES XXXX XXXX XXXXXXXX  XX/XX/XXXX
Consumer complaint received 2024-01-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using 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 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.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
Consumer complaint received 2024-01-14
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. (WI)

On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX improperly used my credit report and this item has been removed from my credit report based on the fact that according to 15 usc 1681b i have not given a permissible purpose for XXXX to report anything on my credit report this is was permanently removed but still shows an inquiry on my report under XXXX  as well as Equifax reporting agencies these are violations of the FCRA.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (PA)

I decided to start fixing my credit and noticed a few accounts I did not authorize. These accounts are SOUTHWEST CREDIT SYSTEMS opened XX/XX/year> for {$640.00}, and XXXX XXXX opened on XX/XX/year> XXXX. I would like for these accounts to be removed from my credit report.
Consumer complaint received 2024-01-14
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. (GA)

There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2023-07-04
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: Experian Information Solutions Inc. (NC)

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 : 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 a account without my written 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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