davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been a responsible credit user with Capital One for 24 months. Since, I have had an account, I have never missed or had a late payment. In addition, I pay more than the monthly required minimum. My XXXX score is currently a XXXX and I have XXXX debt. I am on an income driven payment plan for student loans and currently pay XXXX XXXX  monthly and this will continue until I make at least {$40000.00} or after my graduation date. I spoke with CapitalOne, and was told, I have to reach out to the CFPB. 

I have requested credit line request on both of my CapitalOne accounts several times. All of which have been denied based upon my credit report. This last time, I was denied for this reason : " Your financial obligations, such as those reflected on your credit bureau report are too high compared to your income '' I am submitting this complaint because I believe CapitalOne is purposely and improperly obtaining my credit report. I am exercising my right to complain under the terms of the FAIR CREDIT REPORTING ACT in which CapitalOne 's credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency. 

I obtained my report from XXXX and on the basis of CapitalOne 's statement being : " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' There were no indications of financial obligations being too high compared to my income. 
Therefore, I am led to believed I have been discriminated against on the basis of race, color, and/or national origin which violate my rights protected under the Equal Opportunity Act.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Apparently, I have three " Signature Student '' loans ( private ) with Navient. I started getting calls from them about 2 years ago saying that I was in default on my student loans and I had never heard of them before so I tried to check the validity of their claim. I could n't get much information to verify that I owed them money but they harassed me 24/7 and I knew they were a student loan servicer so eventually I agreed to make a payment arrangement with them. In XXXX 2015, I agreed to make a lump sum payment of {$1800.00} over 5 months ( which I was told was 10 % of my total balance ) in exchange for them forgiving a portion of my balance and reducing my interest rate to zero. I also agreed to pay $ XXXX/month after the initial 5-month period. I made the agreed upon lump sum payments then began paying the agreed upon $ XXXX/month. I continued to get more calls from Navient claiming that I was still in default and explained that I had made the above arrangements and they confirmed that they had received those payments. They then told me that the Navient representative that I made the payment arrangements with only applied the payments to one of my loans and I actually had another loan that they didnt tell me about. So, I agreed to another $ XXXX/month payment for that loan and they agreed that any loan that they held would receive the benefits of my payment arrangement and monthly payments. Two years later, I am still getting calls from Navient saying that one of my loans in delinquent even though they show that I am making payments. They are also reporting my loans as delinquent to the credit bureaus! When I log in to their website, the first thing I see is that my loans are past due, then directly below that, they show the payment history of my payments being made on time ( through automated debit ) EVERY SINGLE MONTH! I dont know what the heck they are doing with my payments! My interest rate was reduced to zero but they never forgave any of the balance like we agreed to and they are ruining my credit and harassing me non-stop! I tried to mark this an inaccurate on my credit report but Navient just fights it and says that it is accurate and I have no recourse! Im at my whits end with this company and theres seemingly nothing I can do about it!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent out a request to this company for this account to be validated. I didnt get a response. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX
Consumer complaint received 2024-08-19
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. (NV)

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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims XXXX not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MT)

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


3. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS INTEGRA FS Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  {$6200.00} opened on XXXX XXXX, Account name : XXXX {$1400.00} opened on XXXX Account name : XXXX XXXX XXXX XXXX opened on XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-19
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)

I was shocked to see incorrect accounts suddenly appear on my credit report this morning, and I have no idea why. When I checked my report like I usually do, these discrepancies just popped up out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the wrong accounts were still there. Because of this, Im urgently requesting that the documents I've provided be carefully reviewed so I can stop worrying about this happening again.
Consumer complaint received 2024-08-19
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. (MD)

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension and help.
Consumer complaint received 2024-08-19
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. (GA)

I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and help.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2024-11-11
Product: Credit reporting 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)

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I am hereby formally opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to TransUnion or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802.

Specifically, I am opting out of the sharing of the following information : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX )
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-19
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. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX Balance : {$12.00}, XXXX XXXX XXXXXXXX Balance : {$4.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$140.00}
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate