davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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)

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A mobile account opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an Auto loan account opened at at XXXX XXXX  on XX/XX/XXXX Account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (GA)

I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. 
If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC (TX)

This company has harassed me for years over an account that was opened fraudulently. All accounts opened during that time have been deleted from my credit report except for this one and they continue to harass me. Pretending to be law  enforcement, lawyers and even going as far as impersonating social security benefit case workers. I do not receive social security. As soon as they told me that the debt would be take out of my social security benefits I asked them for a copy of the apparent withhold order and they hung up in my face. Ive written letters, faxed letters, emailed, called, provided documented proof of the identity theft history with officials police statements everything. I simply want it deleted from my credit report and for these people to leave me alone!
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp. (NH)

On XX/XX/2019, I received a notice in the mail stating that I owed {$340.00} to our doctor 's office. My husband also received a notice and that will be addressed in a separate complaint here. My husband and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.
Consumer complaint received 2019-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fleet Financial, Inc. (FL)

iLendingDirect processed a refinance of my auto loan for me on XX/XX/XXXX, financed by XXXX XXXX XXXX. As part of the package I purchased a vehicle service contract for {$3100.00} through XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel the service contract. I never received a refund and the amount paid for the service contract was never returned to the bank. On XX/XX/XXXX I followed up with XXXX XXXX XXXX and they responded that the contract was voided prior to be funded and that iLendingDirect still has the funds. I have been attempting to get iLendingDirect to return the funds to me or my lender but have had no success. They keep telling me that I am not sending them the cancellation form which I have submitted twice now.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my co

nsumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This
act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows XXXX XXXX0-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I am currently a XXXX  student, I began school XX/XX/XXXX. I graduated from XXXX in winter of XXXX and i declared forbearance on my loans for as long as possible and noted to the company that i would be attending XXXX  school, yet I have 10 late/missing payments posted on my account for school loans.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows XXXX 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-01-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (CA)

I keep being harassed by a company named " Nelnet '' they also reposted this fraudulent debt on my credit report after it had been previously removed following a dispute which proved it to be fraudulent. 
This debt is a product of identity theft, I have already submitted a police report, an FTC report and two forms of identification ( my driver 's license & social security card ) According to the FCRA 605B 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 by such agency ... 
I just want this nightmare to be over.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.
Consumer complaint received 2019-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (VA)

XX/XX/XXXX received unavailable call so answered that was my food deliver a man ask you XXXX XXXX and said who calling haven't used that name in over 25 years then he went on stated a summon for appearance in XXXX County courts but he was a mediator his name was XXXX XXXX and as mediator I needed to call XXXX and give complaint XXXX called got a lady ask if check n go she said yes and gave her complaint number she stated we are walking into XXXX County courthouse on fraudulent checks etc. I said what you talking about I been a victim of identity theft last five to seven years so what is this now? She said it you and went in your checking told her no my checking two of them was identified with identify theft and watch your accusing if I owe I pay. Then she never gave memorandum this is a debt any and all information obtained will be used for that purpose so it didnt seem right this call and they call me after finishing my school work for XXXX XXXX XXXX was tired a little. I then proceeded to call Ohio and ask for financial serive and collection department she ask for last 4 of my  social I gave as she was gon na check see if I had anything she said this is attempt to collect a debt ma'am XXXX we had a outstanding balance but we sold that debt to XXXX XXXX XXXX XXXX and for these threatening callers had my maiden name and married these were collectors not following the third party Federal Trade Laws no threstening customers they bad debt collector using force with this company and they bought this debt now for upsetting me and scaring a elder XXXX lady with police and court etc.
Consumer complaint received 2019-01-29
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. (GA)

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

I have not been allowed access to my Equifax credit file for over two years. My file has been in existence for over 30 years. I have been denied credit for mortgages, auto loans, and credit cards because Equifax will not fix this issue. I have spent over 100 hours on the phone and sending in certified letters over the part two years trying to get this fixed. Equifax will only say that I must send in a copy of my driver 's license, social security card, bank statements, and utility bills. All of these requests are excessive. I have done this more than 10 times- five have been sent regular mail as certified mail with a return receipt. Equifax states that they have never received anything. This is a lie! 

I can not speak to anyone to fix this, and I am tired of being lied to and denied credit. Please help. 

I can provide copies of all documents and proof.
Consumer complaint received 2024-10-25
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. (CA)

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/2019 my wallet was stolen. I walked into the lobby at American First Credit Union in XXXX XXXX and asked to have my account frozen. While speaking to the teller three charges hit my account. I completed the dispute form and left. On XX/XX/XXXX I called to ask why their fraud alert didn't notify me and was notified my account had not been frozen. I was told by the fraud department that I had to be willing to pursue criminal charges to be eligible for provisional credit. They also told me that they had tried to contact my husband and was told the number was invalid, I confirmed the number in the file was accurate and told them we had not been contacted, On XX/XX/XXXX two of the charges posted to my account, I went to the branch and was told the account had not been frozen, the branch manager put a freeze on the account. He then called the fraud department and he told me they said the third party vendor they use for fraud monitoring had not been updated with the new account contact info which was given to the credit union two years ago. I don't know if they'll make me wait 90 days to get the disputed charges handled ( they ranged from $ 100- {$4200.00}. ) but their internal controls are horrible. They didn't freeze my account and have serious weaknesses in vendor management,
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-28
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: DOLEX DOLLAR EXPRESS, INC. ()

Twice a month {$58.00} for {$6000.00}. XX/XX/2019, ther service-worker was commited the paperswork undoing and delayed my payment for my plans schedule of summer of the end of the year.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VT)

Equifax has a very old antique system. It locks me out all the time from getting a solid credit report from the equifax site directly. When trying to pull a report, it just spins for a solid 15+ minutes and the end result is an error about " no hit '' Past history shows high level Equifax employees need to resolve this. Attempts to get support from customer service is unreliable and ends up in a " we can't do anything for you '' XXXX.