davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
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. (NV)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-11-01
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. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-11-01
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. (LA)

I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.
Consumer complaint received 2024-11-01
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-01
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
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: ENOVA INTERNATIONAL, INC. (NJ)

I am filing a formal complaint against NET CREDIT for violations of my consumer rights. 

NET CREDIT did not allow me to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey state laws on consumer privacy and data protection. 

Despite notifying NET CREDIT that I did not consent to the sharing of my information, they claimed they had the right to do so according to their Privacy Policy. This contradicts the GLBA 's intent to protect consumer financial information and uphold the principle of consumer consent.

I requested a complete accounting of my account, including signed documentation detailing who funded it and the true amount owed. NET CREDIT only provided a copy of the Promissory Note, failing to clarify the account 's funding and evidencing multiple violations of the Truth in Lending Act ( TILA ).

Additionally, I informed NET CREDIT in my last two communications that all correspondence should be sent to a specific address. They have continued to send mail to an alternative address, which I consider an invasion of privacy. 

By sharing my financial information without consent, NET CREDIT is committing identity theft, as defined by federal law ( 15 USC 1681a ( q ) ( 3 ) ). Their actions aim to undermine my rights and collect on credit extensions through coercive means. In New Jersey, any contracts designed to commit fraud or exempt parties from their responsibilities are deemed void and unenforceable, aligning with the state 's strong consumer protection laws.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (VA)

MY X wife XXXX XXXX has been using my identification to obtain loans and credit card information to use as personal gain since XXXX. The reason I say this is due to the fact Every time some creditors call my current wife XXXX XXXX phone she tells these people we have no idea where she is or who she owed they continued to harass myself and any parties involved on her contact list from white page and credit reports. Please investigate as soon as possible I am a victim of identity theft. I filed bankruptcy in XXXX and I have been cleaned since now all of a sudden I am getting sued by cashnetusa for a loan I never applied for. I am a victim of identification theft and fraud.
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. (OH)

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have been listed on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (CA)

I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted XXXX  and asked for XXXX XXXX XXXX  ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted Experian and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite four mail certified written requests to Equifax credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/year>, I submitted a complaint to CFPB ( Claim # XXXX ) regarding unauthorized accounts, addresses, and inquiries on my XXXX credit report. XXXX responded on XX/XX/year>, claiming the fraudulent items were removed. However, while some items were temporarily deleted, they were reinserted almost immediately, contradicting XXXX 's claims. Despite providing a complete and accurate FTC identity theft report, XXXX falsely asserted that my report was incomplete. This misinformation and mishandling of my case led to continued damage to my credit report, including difficulties obtaining credit and financial stress. Fraudulent accounts and inquiries from multiple entities, including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and others, remain on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I demand the immediate and permanent removal of these fraudulent items, a thorough investigation, and financial compensation for the harm caused.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the blocking and deletion of certain fraudulent accounts and inquiries listed on my credit report following a recent data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am seeking the immediate removal of the following unauthorized items from my credit report. 
Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1800.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$910.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$300.00} XXXX. XXXX XXXX XXXX  - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$240.00} XXXX. XXXX XXXX XXXX  - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX - Account Numbers : XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXX/XX/XXXX ) - Balances : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. Dept of EdXXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX Bank - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX XX/XX/XXXXXXXX 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 Date XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I have a credit card with XXXX XXXX with a credit limit of {$2500.00}. I opened the account back in XX/XX/2017. I used most of the credit limit but never going over it. I have made payments totaling {$2100.00} in the first 9 months of having this card, at this time my pay off amount is {$2900.00}. It is incredible that their interest and fees could be this much. I requested to have a payoff amount and they denied it. I can't believe a credit card company is able to get away with this. It is worst than a loan shark.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

I purchased a vehicle 3 years ago. As of recently I've made every payment on time. About a year ago I went through a separation from my children 's mother. For custody reasons she has gone out of her way to destroy my credit and career, in order to win custody of our children. She has cost me 2 jobs, by showing up and harassing me. I have evidence of this. She has opened 3 accounts in my name. If have no problem paying these if I could maintain a job. My vehicle was intentionally damaged. Sugar was poured into the gas tank. It caused over {$2000.00} in damage. She disputed 3 payments made through an account that she had used to pay with. She was listed as on the vehicle account as a driver, and on the auto insurance, which she also disputed 2 payments. After which she reported to the auto finance company the location of my vehicle and said to repo it. Then bragged about lying and what she had done one social media. I've since made the repairs using what saved money I have. I'm having troubles catching the vehicle up in order to use it as transportation to an from work. I'm a XXXX   XXXX, and can make money with or with out a job. It's just she to the personal attacks from this individual I'm currently in a circle of dept that has locked my ability to grasp how and what to do to overcome it. I need advise or help. Recently I made {$800.00} in payments to get the vehicle under 90 days past due. Toyota told me they would give me options after I did that, and vehicle would be taken out of repo status. They denyed my request to move the past due amount to the back of the dept like they agreed. Then sent a repo agent to claim the vehicle. I denyed then the vehicle. And will continue to do so. I've worked hard to buy, keep, maintain, and repair my vehicle. I'm still behind exactly what was disputed. I'm only weeks from fully financially collapsing and losing my home and everything. I've exhausted all my resources to stay afloat. This is my first attempt to ask for help. I need options. Please help.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018, I was scammed of {$400.00} by a lady and a man at an atm. They used a fake check. I noticed almost immediately and followed them and was able to get the mans ID and phone number. I called the police and I have a police report. I gave the police report to the bank because the fake check bounced back and I was left with - {$430.00}, the {$35.00} was the overdraft fee because I did not have that money in my checking account when they scammed me. Bank of America closed my accounts and i had to pay myself the - {$430.00}, I did pay because I understand that it was my mistake to believe these people. Now I'm left with a bad consumer report and I can't open another checking account with any bank, I understand my mistake but I have paid off the money I owed and I have a police report as well. This will not happen again, I just need to be able to remove this bad report on me.
Consumer complaint received 2024-10-23
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. (MO)

To whom it may concern : The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance to the accepted standard of metro 2 data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately : Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Equifax Account # : XXXX XXXX Account DescriptiXXXX XXXX Individual Account Rating : XXXX XXXX Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX