davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

un-autorized INQUIRIES AND ACCOUNTS 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 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 2024-02-07
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. (CO)

I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. 
As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. 
Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties. 
Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services regarding XXXXXXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, effective immediately.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.
Consumer complaint received 2024-02-07
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

XX/XX/2022, We purchased a boat for $ XXXXand used Zelle to make the transfer. As we stood waiting for the transfer to go thru the seller watched his phone stating its not coming thru, but we could see it was deducted from our checking acct. After about 30 min of waiting, we called XXXX  XXXX XXXX and they transferred us to the Zelle people, they stated that they couldn't see any activity and told us to try the transaction again. The seller also stated that he was having trouble with that phone number, and it might have been to an old bank acct numb, so he provided a different phone number. Zelle told us to retry the transaction again. So we did the process again and then we could see the checking acct. where nothing happened then there was another {$3500.00} transfer out of our acct to the seller of the boat. and it all looked ok. We took the boat and went about our day. 
The next day both {$3500.00} transfers appeared as deposits to the boat sellers Accts. We contacted the seller and he stated that he did see the extra {$3500.00} in his acct and he would instruct his bank to send it back to us via Zelle. [ we contacted Zelle and they advised that they did as they were instructed, they transferred two {$3500.00} transactions to two different phone numbers, so it wasn't there problem. ] We never received the money from the seller, upon serval attempts to contact the seller he has changed his phone number & moved leaving no forwarding address. 
I have filed a small claims court action against him but have been unable to have him served
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Consumer complaint received 2022-12-12
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. (FL)

In accordance with the fare credit reporting act XXXX  account # XXXX, have violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-12
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. (NC)

The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from XXXX and transunion ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (TX)

Forgot about an account I opened XX/XX/XXXX after death of my husband. I am and have always been the sole owner of the account. I drove to a local branch to find out what happened with my account. I have all original opening documents. 

XXXX XXXX XXXX : talked with XXXX and she said she would do research. She made copies of my original paperwork. For 2 months she tried to find information then there was nothing else she could do. They said to get a subpoena but no instructions on how or where to get one or where to send it. Since I am and have always been the sole owner of the account, it is confusing. 

2. I looked on State lost funds information for XXXX XXXX XXXX finding nothing there. 

3. I called my local District Attorney 's office and he said subpoenas are only for getting other peoples information and they dont issue such a subpoena. He talked with his wife who is a bank manager and she said it makes no sense why they asked for such and did not know how to proceed. 


XXXX XXXX, XXXX. Called the main branch located in XXXXXXXX XXXX and talked to XXXX. She had no idea what to do. I asked for the legal department phone number to find out how to proceed. She said they do not have that information. 

XXXX. XX/XX/XXXX. I called Federal Reserve and they told me they didn't understand why I needed to get a subpoena either and there is no information on a sole owner needing such. So I was told to file a complaint. 

6. I talked with another banker of another bank locally to see if they could help me know how to proceed, they also said it made no sense and couldnt give any ideas on what to do next except file a complaint. 

XXXX. XXXX, XXXX. I found an email forma subpoena intake for Regions Bank and sent an email but there has been no receipt acknowledgment nor reply. 

XXXX. I also sent an email to a local news person who sometimes helps with banking issues but no reply. 
XXXX. XXXX XXXX. I also contacted another Regions main branch in XXXX and talked with XXXX and she did research and filled out 7 different times the forms they requested. They finally responded with same thing need a subpoena but no instructions nor information on how to get one or where to send it to nor why it is needed for a sole owner of an account to find out about my own account. 

I really would appreciate help finding out what happened to my account and my money. It is very disappointing that my bank whom I also have another active account for over 20 years has not resolved this issue for me. Please help me. Thank you so much.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (OH)

Security Finance in XXXX Louisiana Im behind because i lost my job. They called one of my references and left a voicemail discussing my loan amount how im behind and how much money I am behind. they did not ask how to contact me or where i work but told them about my loan.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I was informed on XX/XX/2024 that my Sofi Checking account was frozen. I then called the support on XX/XX/2024 and they were unable to assist me. They had stated that they were investigating the account and that there was no timeline available. The only funds that I had in my account were from direct deposits from my employer. I am still not sure why my account was frozen as they refuse to give me answer. I dont think this is legal and I have never run across this issue with any other bank. My account has now been frozen for two days without resolution.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing this complaint to EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Equifax must respect my right to privacy. I have a right to privacy ; Equifax is violating my rights to privacy as a Federal protected consumer. There is a need for Equifax to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Equifax actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Equifax actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.
Consumer complaint received 2022-12-12
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: Resurgent Capital Services L.P. (WI)

On XX/XX/XXXX I filed a dispute with the 3 bureaus customer relations department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

Lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX Lvnv Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

I was garnished last year with XXXX XXXX for student loans and I called today XX/XX/XXXX to see where the money garnished was applied to the loans that Navient has. No one had an answer. I asked the, to remove the late payments that are being reported to the credit bureaus because I have never missed a payment since XX/XX/XXXX of last year ( I 'm receiving alerts saying Navient has reported me 120 days late from all XXXX credit bureaus ). I was told to fax something in writing when this was done they said no mail it. But each representative verified that my account is in good standing with no late payments. Still no answer on the money that was garnished as well.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.