davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (MA)

The online account was closed by XXXX on XXXX  without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (OK)

In accordance with the Fair Credit reporting Act the following account has violated my rights. MARS INC # XXXX, {$4200.00}, U.S.C 1681 Sec. 602 states I do have the right to privacy. U.S.C 1681 Sec. 604 also states consumer reporting agencies can not furnish an account without my written instructions.

This account has been removed from some bureaus and some not, or the very often reappear themselves with a different collector or appear twice.
Consumer complaint received 2021-12-29
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. (NY)

For the past year I'm asking XXXX  and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on EQUIFAX that still reports BALANCE!!!
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  WOW This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-19
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. (MD)

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest XXXX branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by XXXX XXXX XXXX. The Lender was XXXX and the source was Equifax. I contacted the XXXX branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that XXXX uses Equifax. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from XXXX XXXX security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against XXXX XXXX XXXX for breach of personal information. That complaint filed before the CFPB was in XXXX ( XXXX ). At that time personnel from the XXXX, MD branch of XXXX disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by XXXX through Equifax and if it was an attempt to disclose personal information to a third party or if a third party utilized XXXX in order to obtain my personal information.
Consumer complaint received 2019-06-26
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. (GA)

I have sent in multiple dispute and fraud reports to Equifax and the collections agency. I have yet to receive any documents from Equifax or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
Consumer complaint received 2022-08-24
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)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 I recieved an email from Bank of America ( " BOA '' ) which stated that an online application for an XXXX XXXX Banking Account was in progress. I didn't pay much attention to it becuase I thought it was a phishing email. 

On XX/XX/2022 I recieved an email that stated " We're sorry but we're unable to open your Bank of America account ( s ) online. However we can help you open your account at a local financial center. '' I decided to take a closer look at this email and saw that it was actually coming from BOA. I gave the bank a call to report this. I do not now or ever had an account with BOA. These emails are a result of fraud and identty theft. I reported this to the " Check Fraud Department ''. While speaking with the representative, I asked for all the information that was sent to BOA in order to open the account, including a copy of the application. 

The representative that I spoke with refused to give me this information. She stated that the information was " greyed out ''. I asked to speak to a superior and she said they would call me within 24-48 hours. I never received a call from anyone at BOA. 

On XX/XX/2022 I received another email from BOA which asked me to verify my email address. This lets me know that BOA is still in possession of my information and has provided me with no proof that an account was in fact not opened using my identity. 

BOA is aiding in identity theft and fraud by refusing to give me information I have a right to.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-06-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (UT)

On XX/XX/2019, I attempted to open a CD at Ally Bank online. For no apparent reason and inconsistent with prior practice, they declined to immediately open the account, tabling my application for an indefinite period. Because of their inaction, I withdrew the application. 

Approximately a week later, my husband, with whom I hold several joint accounts at Ally, successfully opened and funded an identical-type CD at Ally online, with an immediate decision and no delay. 

My husband and I have essentially identical banking and credit profiles. Yet Ally discriminated against me by treating my attempt to open an account differently than they treated my husband. 

Furthermore, Ally 's Executive Resolution staff has ignored my concerns.
Consumer complaint received 2021-10-19
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. (NJ)

on XX/XX/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.
Consumer complaint received 2021-08-03
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. (FL)

Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. XXXX  didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT XXXX  Removes the inquiries as well as TRANSUNION. Thank You! I have provided my Identity theft report and my State ID
Consumer complaint received 2021-10-19
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. (NJ)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2021-10-19
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)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-06-26
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD WHEN MAKING ON-TIME PAYMENTS.
Consumer complaint received 2022-08-24
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. (CO)

in accordance with the Fair Credit Reporting act 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 2022-08-12
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: EQUIFAX, INC. (FL)

Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on XXXX and Equifax, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021
Consumer complaint received 2022-08-24
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: LEXISNEXIS (MD)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I am working toward Public Service Loan Forgiveness and have FedLoan as my servicer. Four payments ( each applied to 2 loans ) from XXXX and XXXX are incorrectly listed in my account as ineligible for PSLF, and in XXXX I requested that these payments be reviewed again for PSLF eligibility as soon as possible. My loans were serviced by XXXX and FedLoan respectively during these periods. I have been employed since XX/XX/XXXX at an eligible 501 ( c ) ( 3 ) employer and, since I began repayment on my qualifying loans in early XXXX - after federal loan consolidation - I have been on income-based repayment and have only ever made on-time monthly payments on my qualifying loans. 

On XX/XX/XXXX I received a message in my account that FedLoan reviewed my account. It states that their records are correct and that they consider the matter closed. Although my payment due dates changed slightly over the years that I have been making payments, I have always made one qualifying payment per month. I am truly am at a loss as to why these wouldnt be eligible toward PSLF.