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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I have federal student loans and am currently utilizing PSLF as I work for a non-profit. I signed up for my loans to be income driven under the SAVE plan. 1-10 of my loans are under SAVE but then I have 3 that are not and so they are asking for payments. I am unable to apply for IDR/SAVE on these loans because the site tries to cancel my current IDR/SAVE plan. I have MOHELA and am unable to get an answer from them about why this is. I am getting *late payment* notifications on the account.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX  to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Over the course of several complaints, I have provided clear evidence that the account in question, originally issued by XXXX XXXX XXXX XXXX ( XXXX ) and later sold to XXXX XXXX XXXX, was fraudulent and has since been deleted. Despite this, XXXXXXXX XXXX has continued to falsely certify the account as legitimate, misrepresenting the facts to both the credit bureaus and myself. 

XXXXXXXX XXXX knew that XXXX held the account, as they directed me to XXXX XXXX XXXX in their response, showing they were fully aware they no longer held the account. Despite this, XXXX XXXX failed to confirm that XXXX had deleted the account, and instead continued to misrepresent the accounts legitimacy. This shows clear malicious intent on XXXX part, misleading the credit bureaus and allowing them to report fraudulent information. 

While the credit bureaus relied on XXXXXXXX XXXX false certifications, the responsibility now lies with them to correct the fraudulent reporting. Allys dishonesty has been exposed, and continuing to rely on their certifications will place the credit bureaus at serious legal and regulatory risk.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am filing a formal complaint against XXXX, XXXX, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : XXXX XXXX Account not disputed XXXX : Account information disputed by consumer under the Fair Credit Reporting Act Equifax XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : XXXX claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
XXXX reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
Equifax similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests. 
Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall financial reputation.
Consumer complaint received 2024-10-23
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. (FL)

I HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Personal Statement Regarding Identity Theft I am writing to report that the following accounts were fraudulently opened in my name without my knowledge or authorization. Upon reviewing my credit reports, I discovered these unauthorized accounts, which I believe are the result of identity theft : 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 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 I did not authorize any of these accounts, and I am not responsible for them. I am a victim of identity theft and request that these accounts be thoroughly investigated and removed from my credit report as they are fraudulent. 

Additionally, these fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the specific hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you that displays these fraudulent items. I do not recognize the listed accounts, collections, or hard inquiries, and I affirm that none of them were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

As further evidence, I have attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) to confirm that the fraudulent accounts, collections, and hard inquiries were filed with the U.S. Federal Trade Commission as identity theft-related.

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

Please advise me on the necessary steps to resolve this issue and correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-10-22
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. (WV)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name ( XXXX XXXX  ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I was put in the wrong repayment plan. I completed an XXXX   application in XXXX XXXX XXXXXXXX. They attempted to process it in XX/XX/XXXX. They said my social security number was not on the form. This is not the case. They went back and indicated that it was there but never processed it. I am still in the wrong repayment plan. When I asked them to fix this last month, they said they couldnt do this because of the current court case. My form should have been processed and I should be in an XXXX  XXXX. I continue to make payments on the wrong plan and know that none of this time will count towards XXXX and I am devestated by this.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am reaching out about the account referenced above. I have noticed discrepancies in the information provided by each credit bureau regarding this account. Each bureau claims to have contacted Bank of America ( BOA ) to confirm the accuracy of this information, which is not true. I possess a letter that outlines the correct amounts and dates, which conflict with what is reported to creditors. How do you verify this information when the credit bureaus reach out to you? I received a letter on XX/XX/year>, indicating that you informed the credit bureaus that the account is reported accurately. However, how can the account be deemed accurate when the credit bureaus are reporting differing information? They have inconsistencies in dates, amounts, payment history, and status. Per the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), credit bureaus are obligated to remove any information that is inaccurate, incomplete, or can not be verified from my credit report promptly. The process begins with BOA stating that the information is accurate, which it is not. This constitutes a violation.
Consumer complaint received 2023-12-30
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-29
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX  days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

THis is a follow up of XXXX complaint that was closed and not resolved. 

I would like to re-open due to lack of resolution and add that I found due to a follow up call that when asked to remove my freeze and that it was confirmed removed by the customer service rep, that is subsequent calls the freeze had continued. I made a call yesterday and they have claimed to have removed for the 2cd time. This is just plain unacceptable customer service.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CA)

I had purchased a GAP Store Credit card due to some promotion. However, I was not communicated properly for the balance ( which I had assumed that I had paid off ) and was reported late payments multiple times by the same vendor without proper communication. When I had finally checked the XXXXredit score and noticed the late payment. I had immediately paid off and closed the card. However, it was very late then. The store did not do a proper job in communicating the late payment and had reported it to the credit bureau without my knowledge. This has badly affected my credit score and it does not go away even after 4 years. I would like to request to remove my late payment from my credit report as soon as possible.