davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (AL)

I have been enrolled at XXXX since the commencement of the XXXX XXXX  in XXXX. Unfortunately, during the XXXX  of XXXX, my sole mode of transportation became inoperable. This predicament resulted in my delayed registration for classes. Despite my lack of transportation, my advisor assured me that I could still make progress and perform well in his class until I acquired a new vehicle. Considering my circumstances, I determined that obtaining a personal XXXX  loan would be the most suitable option, as it would enable me to purchase a car using the refund from my tuition payment for the academic year, which had already been settled. I submitted an application for the loan and awaited approval from XXXX. Due to a combination of personal challenges and the additional stress of managing classes and transportation, I came to the realization that I could not continue with the ongoing semester. I promptly communicated this matter to my professor/advisor on XX/XX/XXXX, informing them of my situation. I submitted the form, believing that all necessary steps had been taken. However, even after several weeks had passed since my withdrawal, I continued to receive notifications from XXXX, an application I utilized to receive updates on upcoming assignments. Upon inquiring about this matter, I was informed that the removal process from the system takes time after withdrawing, thus explaining the reason for the persistent alerts. 
Approximately a year later, I expressed my intention to resume my degree program. Upon consulting with the financial aid department, I was informed that my XXXX  had significantly declined, resulting in my placement on academic probation. This revelation puzzled me, as I had previously been recognized on XXXX 's honor roll. Subsequently, it was revealed that the semesters I believed I had withdrawn from were not officially dropped. Additionally, due to my advisor 's selection of classes for both the fall and spring semesters, I was billed for the unfinished XXXX XXXX and the XXXX XXXX, which I never attended. 
Recently, I received an email from Sallie Mae, notifying me of payment obligations for XXXX separate loans. This revelation came as a shock, as I had previously taken out a loan in XXXX, but I was unaware of this new loan and its approval. According to the loan distributor, XXXX University had accepted the funds, which surprised me as the acceptance dates corresponded with the period after I had already withdrawn. Additionally, I received an amended award letter instructing me to accept it through XXXX, which I never did, thus leaving me uncertain about the loan processing. Despite XXXX 's acceptance of the private loan, I never received a refund check for either semester. Consequently, I find myself burdened with over {$10000.00} in debt from a loan that was never disbursed to me. Considering the circumstances outlined above, XXXX University has essentially appropriated {$10000.00} from me.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under XXXX. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (FL)

I called Flagship Credit Acceptance on XX/XX/XXXX after I had spoken to a representative on the phone regarding the two missed payments they are claiming on my account. The person from Flagship I spoke with on the phone said they have no record of my late payments and they did not show up in the system and recommended i reach out via email to XXXX and bring this to their attention. I requested the documentation from Flagship Credit that the last payments did in fact occur and asked this it would be sent over as soon as possible and if it couldnt be located I requested to have the late payments removed from my account. I provided my social security number and reference number from the phone representative and have waited for a reply. I was emailed back today XX/XX/XXXX from XXXX and they stated Flagship is unable to locate an account with the information you provided. They went on to ask for more information to further investigates the dispute after they have nothing showing from the social security number and reference number I provided and responded a month later still saying they are unable to locate my account. I am not sure what else I can do in this situation, I have disputed several times and have email from from Flagship saying they have no recollection of a missed payments. I am requested to have this removed as they have had ample time and have researched this and have proven that I should not have these missed payments on my credit report.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (VA)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

The IRS issued me the XXXX XXXX of {$1400.00} through XXXX XXXX Money Network prepaid card. The card was stolen. The thief withdrew the entire {$1400.00}. We kept calling IRS for about XXXX XXXX and were finally told to contact Money Network. 
We raised a dispute for the transactions, and Money Network resolved the disputes in our favor. They sent us a letter stating that the " Merchant Had Credited the Transactions Back to Our Card '' We were glad the dispute was resolved, but our balance keeps showing XXXX XXXX was put back on the card, but it does not reflect on the card balance. We have made numerous attempts to contact Money Network and XXXX, but we are being bounced from one dispute representative to another.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NY)

The following account was charged off in XXXXXXXX XXXX  Since then, the account has been updated as " Charged Off '' every month. This is an update on the payment history. A Charged Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. This company also doesn't accurately report to all credit bureaus. I am requesting a deletion of the following account : Account Name : Affirm Inc Account Number : XXXX, XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

XXXX # XXXX sold a debt to a company called afni XXXX saying I owe them but I never receive the phone and I wanted my down payment back and the company saying i have got the phones and that making treating calls telling me the calls was made from the phone that I called on and the called that wasnt in my name using refusing me to validate the debt I ask for she told me. she only sending me a bill. the agent XXXX and XXXX they also made a call while I was on the phone during the called which she did without my permission using tatic to get me to say I know my I got the phone using XXXX  tone forcefully making me upset XX/XX/year> XXXX and XXXX pm they are using treating calls and telling me what I can do or not to when asking for valdation on how you got the debt I would like to Cease And Desist asking me why I need XXXX phones and why I need XXXX phones not giving them fully access I gave them my year of birth saying they got into the account lying using tatic which I didnt give them my information.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

15 USC 1681 Section 602 States that I have a right to privacy. 

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

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX  is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

Today I received a letter from Rushmore loan which was a demand for full payment by XX/XX/2023. I have been placed on the repayment plan and have been paying as agreed but the letter was certified and they also sent me the same letter regular mail so I call their office and they advise I am now in a different department and they can not help me I speak to this department and they said they could not find my payment while on hold they come back and say they found my payment and to disregard the letter I call back and they say a different thing and say they do not see the repayment plan for 10 months and this is my why my account was moved to this department. I call back cause after they speak I get disconnected again the same issue again you are in default and you have now been transferred they transfer my call and I get disconnected again I am requesting for an audit of this account I have been paying this loan as agreed in fact they are the ones taking the banking info for the payment and their is a serious problem with what plan I am on and what department they have thrown this account in I would like an audit of all money taken and a correction of where this account is placed since I am paying as agreed on the 10 month loan repayment agreement if you call you are on a plan and when you call back you are not you dont know if you are on a plan or not but they loose you payment and place you for notice when you are in fact paying the arrangement as agreed
Consumer complaint received 2023-07-25
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2024-03-26
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. (KY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-25
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. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hard credit inquiries were not initiated by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-25
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}.