davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
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. (TN)

" The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to see inaccurate accounts pop up on my credit report today with no explanation. I regularly check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the incorrect accounts remained. Im really hoping the documents I provided will be reviewed closely so I can finally have peace of mind.
Consumer complaint received 2022-02-05
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. (TX)

Unverified account, amount {$210.00} Unverified account, amount {$210.00} Unverified account, amount {$260.00} Unverified account and is not my account, its FRAUD! 
All these accounts were investigated by XXXX then later deleted by XXXX however, EQUIFAX has yet to delete these FRAUD accounts!
Consumer complaint received 2022-01-10
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-02-05
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. (TX)

I have tried to dispute the inaccuracies on my credit report with XXXX several times and have disputed the information. I receive correspondence saying account for XXXX for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with XXXX for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (NC)

On XX/XX/2021 BankOfTheWest reported a late payment for XXXX! This is has caused me financial harm. BankOfTheWest has failed to process my payment by incorrectly entering my bank account Information, which caused a payment to fail. I was transferred many times with no resolution, only false hope being told that I would get a response on XX/XX/XXXX and that has now passed Im demanding BankOfTheWest to removed asap! Or legal action will be taken! My account is current and up to date for 1-2 years and no late payments!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance CAS, LLC (FL)

As of XX/XX/XXXX the XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX altered our maintenance fees, but didn't notify the unit owners. I found out this some 45 months later when i received the letter from debt collector ALLIANCES CAS. : COLLECTION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA XXXX, on XX/XX/XXXX Now they claim {$13000.00} for the maintenance fee difference, plus the management falsely claimed the maintenance fees for XXXX, XXXX and XX/XX/XXXX which i paid on time, and they already deposited long before they sent me the notice letter about this debt. 
As soon as i sent them the proof of payments they kept very quiet about this. 
They made an attempt to collect fraudulent debt but it didn't work out for them. 
I have an other issue with the same debt collector, i am getting this letters claiming i owe debt but i sent them the proof of seven ( 7 ) monthly payments, and now if i don't pay {$3500.00} within 45 days a lien could be placed on my apartment.

This notice letter came on XX/XX/XXXX XXXX
Consumer complaint received 2021-10-27
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. (GA)

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 2021-10-27
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. (MN)

On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Equifax has been called several times to Remove fraudulent data. The reps at times have been helpful not all. on another note, I have had identity theft and have proven so, by completing a police report and having data from Equifax stating I was included in password leaks and breaches. Equifax has held to neglecting to remove the information from my profile. With this being my XXXX step in a Default notice which will also be presented to Equifax if this last attempt is not met with XXXX XXXX, By certified mail. The Specialist of the Fraud Department has provided assistance but these fraudulent details still remain. I am re-attaching the information provided in the last report. Numerous data details which are fraud remain on this profile, and Equifax should be held responsible for continuing to maintain inaccurate data after acknowledging the Affidavits being provided. I am being provided the received receipts and the information still remains on the profile. This has been a year battle with Equifax. Every minute spent calling and every effort communicating with Equifax will be provided to the endless hours recovering from the Data Breach. As a Service Provider and Company, Equifax should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to Equifax to provide XXXX XXXX
Consumer complaint received 2021-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have lodged multiple complaints against this servicer about the calculation of eligible payments to my PSLF status. On XX/XX/21, I submitted a packet via fax and standard mail detailing my disagreement with payments that were considered eligible. That packet will be attached to this complaint. Notably, the majority of my disagreements center around 2 issues. 1. ) " Billed total due amount is not satisfied '' and 2. ) " Your payment was received outside of the payment window. In all cases, I have submitted bank statements demonstrating that in fact the correct amount was paid, and that it was paid within the payment window. This is detailed in my attachment. 
Thank you XXXX XXXX
Consumer complaint received 2021-10-09
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. (MN)

XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.
Consumer complaint received 2023-05-02
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. (FL)

I NEED XXXX XXXX DELETED FROM MY XXXX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP
Consumer complaint received 2022-08-08
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. (MI)

In accordance with the Fair Credit act XXXX  XXXX  account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

One of my loans is {$89.00} per month. The other loan is {$100.00}. I allocate {$150.00} per loan each month. Navient still allocates the way the payments are applied, even though I am paying more than the amount due each month. This keeps the interest adding up and the loan never seems to go down. Also, even though I am paying over the amount due each month, the interest continues to add up. I have been paying on this loan since XXXX and it is down to {$6000.00}, but it should be paid off by now. I am paying over the amount due each month so the monies I allocate for each loan should be allocated as such. It seems that all Navient does extend the loan so that it takes more time to pay it off. Navient truly XXXX. Please help. I have tried everything, but keep getting the same answer and that is they say the Federal Government is responsible for it taking so long to pay off my loan.
Consumer complaint received 2022-08-07
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. (NC)

I obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX XXXXXXXX item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (VA)

On XX/XX/2021 the federal government made it possible for those who had defaulted on their student loans to get a refund of the payments they were making to get their loan back in good standing. I had been doing this for 7 months thru Trellis. I requested a refund of the money. I had been paying them $ XXXX/month for a total of {$930.00} when this possibility was made possible. I requested my refund of the {$930.00} on XX/XX/2021. They still have not refunded my money. I have made 3 attempts to contact Trellis and find out why. Each time they say the money was sent to the wrong address ( meanwhile I have received regular correspondence from them at my mailing address ) and they would send me another check. They initially told me it was processed on XX/XX/XXXX then again on XX/XX/XXXX. I still do not have my refund. When trying to escalate to a supervisor, they say the same thing as the first line employee. They have been no help and beginning to believe they are not sending it. Any help would be appreciated. Thank you for your time and attention to this matter.
Consumer complaint received 2022-08-07
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. (CA)

These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2024-10-29
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. (IL)

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Filed 3 disputes online with my equifax they are still reporting account a closed account with XXXX XXXX XXXX since XXXX as past due on XX/XX/XXXX. I filed same dispute with same proof of written and pictures with transunion and it was removed from my file totally. My correct reporting should show the first day of delinquency was XX/XX/XXXX and acct was closed XX/XX/XXXX. This is too old to report over 7 years so how am I late XX/XX/XXXX with a past due balance for XXXX. This is affecting me trying to buy a home and they will not correct this mistake. How can XXXX fix something but they wont. I dont know what else to do but this is not right.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. 

After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. 

I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. 

Thank you for reading to the end. 

Sincerely,
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

My Nelnet student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, Nelnet was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.