davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-10
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with JPMCB- Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with Barclays Bank Delaware resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to formally request the removal of incorrect and fraudulent information on my credit report as a result of identity theft. Specifically, I am disputing all previous addresses, phone numbers, and name aliases that do not belong to me. 

All other addresses, phone numbers, and name variations should be removed, as they are the result of fraudulent activity. I have never used any other names or aliases, and the incorrect information is negatively impacting my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you remove these fraudulent entries from my report to ensure that only accurate information is reflected. 

Thank you for your prompt attention to this matter. Please confirm once these corrections have been made.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Info on my credit report is incorrect UNDER FCRA SECTION 609 15 U.S.C. 1681i,1681g, 604 15U.S.SC. 1681b, 623 15 U.S.C.1681s-2,611 15 U.S.C. 1681i, I REQUEST VERIFICATION OF DEBT, INQUIRIES WERE MADE WITHOUT MY PERMISSION, I HAVE RIGHT TO PRIVACY. REPORTING DEBT THAT DOES NOT BELONG TO ME IS ILLEGAL. I WOULD LIKE FOR ALL ACCOUNTS TO BE BLOCKED AND DELETED FROM EQUIFAX. PLEASE REMOVE ALL ACCOUNTS, THE FOLLOWING ACCOUNTS ARE FRADULANT. THE FOLLOWING INQUIRES ARE UNAUTHORIZED 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 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

I filed a dispute claim with PNC bank about a transaction with " XXXX XXXX '' for the amount of {$29.00} on XX/XX/2020. The product never came, I could not get a hold of the company that I bought the product from, and PNC denied the dispute.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TN)

I sent a debt validation request letter to NelNet in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
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/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct the inaccurate reporting of late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX XXXX has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, XXXX, and Equifax is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-08
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. (PA)

Navient is conducting unfair, deceptive, and abusive practices as it relates to payment processing and overall servicing activities. I have been paying on this account since 2015 when my student loans were consolidated with Navient. and since then I have never missed a payment or have had a late payment. Navient insisted that you go paperless in regards to monthly statements, and when you go on the website you are unable to see or print an actual monthly statement with all required disclosures. In addition, there were four times through out the life of the loan that my monthly payment went to all interest and nothing was applied to principle. Finally, as I reviewed the transnational history of my payments I identified that I actually paid XXXX off of the original principle balance of {$66000.00} which would bring the principle balance to {$60000.00} ; however as shown in the evidencing document Navient has a principle balance of XXXX which is XXXX more than what it should be in which additional interest is being accrued on. This is completely unacceptable and illegal as a normal consumer would never be able to payoff their student loans due to the unfair, deceptive, and abusive practices being conducted by Navient.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and dXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (MD)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( USPS ) According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
Accounts : XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-18
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. (IL)

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (LA)

XX/XX/XXXX CARMAX INC 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 Attorney General of Louisiana This is an initial communication to notify CARMAX INC that I, XXXX XXXX XXXX, consumer, have recently discovered adversity within the transaction associated with contract number XXXX During this consumer credit transaction initiated and consummated on XX/XX/XXXX I was asked by CARMAX INC to remit a down payment of {$1500.00}. Pursuant to 12 CFR 1026.18 in conjunction with 15 USC 1605, the amount financed is the sum of all charges in the dollar amount. The respective statute also affirms that The finance charge does not include charges of a type payable in a comparable cash transaction. 

Upon review of my retail installment contract, I noticed that the alleged required down payment is listed and acknowledged as a cash payment. Pursuant to 15 USC 1611 and 15 USC 1640, CARMAX INC, are both civilly and criminally liable for said violation of my federally protected consumer rights. 

In exercising my rights as a consumer, I hereby demand that within 15 days of receipt of this letter, my down payment of {$1500.00} is made payable to XXXX XXXX XXXXXXXX and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Kind Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved UCC 1.308
Consumer complaint received 2022-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Someone tried to open a bank account in my name at Santander Bank Santander Bank called me to 'welcome me to my account ' on XXXX XX/XX/XXXX in the morning. I called back and reported it to Santander as I did not open an account. They had all my personal information, including the last four of my SSN. 

Gave me claim number of XXXX Santander was not very helpful to me- they said they " might '' call me back and did not provide evidence that they shut down or suspended the account. Very concrned that this was not escalated in a responsive way. Said it might take a week and to find I more I needed to go in person to a branch. I need help making sure this account is shut down and it is not opened in my name.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

American Express used to be my credit card company till unexpected happened during Covid-19 which led my card to be closed down. Before closure, I had {$1000.00} limit but then American Express was waving late fees. Fast forward to chargeoff and now my account is on {$1600.00} with interest of {$600.00} which is a lot. Ive tried to dispute to get validation but never received information or resolution about my dispute with Amex. They are making life unbearable for me by trying to charge {$600.00} from a Covid-19 survivor. It doesnt make sense at all. I would like them to be very fair with the interest as bunch of credit card companies waived alot of fees. Amex making life unbearable for me.
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

On XX/XX/2019 my mortgage increased from {$870.00} to {$1100.00}. I was told by a Ditech LLC representative that it increased due to escrow and my property taxes went up by {$2000.00}. I have requested documents on the formula that was used to calculate my new mortgage amount and they keep giving me the run around and stating that they sent out letters back in XX/XX/2019. I haven't received any letters other than offers to refinance. I explained to the representative that my mortgage rate is fixed and there is no way my mortgage went up by {$270.00} per month. I asked to speak to a manager and I was told there weren't any available. I would like to resolve this matter to include an itemized form as to how they calculated my new mortgage payment. After doing some research this is a shady practice that this company is known for. They have since filed for bankruptcy and has sold my mortgage to another company but I still make payments to them.
Consumer complaint received 2021-05-22
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. (AL)

ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.