davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my XXXX XXXX. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2024-10-16
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)

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

Here we are again! here is the original complaint, which was NOT addressed, no breakdown as to why I didn't qualify for the first forgiveness. Nor an explanation as to what happened with my original terms. They responded to me with some blanket statement and today I get another ludicrous letter from them. 

FIRST - Right or Wrong under Joe Bidens initial forgiveness, I met the qualifications and was over looked, I asked for a review that never happened. SECOND - on XX/XX/XXXX I thought I had finally gotten the review I was supposed to and was notified for DEPT OF ED, that my account was put in forbearance while the review was being done. THIRD - Today XX/XX/XXXX I get a notification from AIDVANTAGE saying the new payment amount is XXXX ( from the original XXXX ) for the next 5 months then there after for the next 10 years for {$1700.00}. This number is similar to the one they presented me with last year, and I asked the same question, I don't have an extra {$1700.00} of disposable income and what were my alternatives, they told me there were none, and failure to pay could result in wage garnishment or I can file more forborances which after those are exhausted I would begin my XXXX repayment over the next 10 years. How many people will become homeless or go hungry? Before XXXX I was enrolled in a program, that my payment would be XXXX over the next 30 years and now that time frame is no longer offered. I don't know where to turn, and not looking NOT to pay, but need the original 30 year payment plans with the same offer of paying 120 payments for the loans to then be completed. I have contemplated so many things and I just don't know what else to do. AID VANTAGE literally should not be running any programs as they are incompetent, in over their heads and don't have the manpower to answer questions in a timely manner Thank you very much for your review.
Consumer complaint received 2024-10-16
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXX XXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/year> Account Type : Installment Account Loan Type : Secured Balance : {$0.00} Date Closed : XX/XX/year> Pay Status : Paid, Closed ; Was Paid as Agreed Discrepancies : Payment History : The account reflects that no payments were received from the date opened until its closing. This is inconsistent with the reported status of being Paid, Closed ; Was Paid as Agreed. 

Delinquency Reporting : The report indicates a maximum delinquency of 30 days in XX/XX/year> for {$25.00}. However, there is no clear explanation or documentation of any missed payments that would lead to this delinquency status. 

Inconsistent Account Status : The account is reported as Closed, yet the payment history does not provide a comprehensive view of my payment performance, potentially misleading creditors regarding my creditworthiness. 

Request for Correction : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and correct the reporting for this account. If the information is verified as accurate, please provide documentation used in the verification process. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by law.
Consumer complaint received 2024-09-19
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: 1st Franklin Financial Corporation (GA)

I am submitting reinvention into XXXX XXXX the company is misreporting inaccuracies on on a closed account from XXXX  and showing repeated C/o inconsitance balance reporting unlawful change in Deliquency dates tgat is causing reacing of debts due to status of limitation..15u.s.c1681i under FCRA It's a violation of my rights and cause me to have ability to obtain credit
Consumer complaint received 2024-10-16
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. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I do not have a contract with XXXX XXXX, nor did I XXXX them permission to utilize my name. This violates XXXX XXXX XXXX. This account is displaying inaccurate information causing XXXX XXXX. Under FCRA laws a civil XXXX XXXX follow with damages of {$1000.00} XXXX XXXX XXXX. I demand this account be deleted as I have no financial obligations to this alledged creditor.
Consumer complaint received 2024-10-16
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. (TX)

I am filing this complaint against Equifax Information Services LLC for their repeated failure to process my dispute and their apparent disregard for the Fair Credit Reporting Act ( FCRA ) requirements.

Timeline of Events : 1. XX/XX/year> - Received first response from Equifax claiming documents were illegible 2. XX/XX/year> - Sent requested documents to Equifax 3. XX/XX/year> - Received second letter from Equifax claiming documents were illegible 4. XX/XX/year> - Sent enlarged, high-quality copies of requested documents 5. XX/XX/year> - Received third letter from Equifax, again claiming documents were illegible 6. XX/XX/year> - Sent escalation letter with enlarged, high-quality copies of requested documents 7. XX/XX/year> - Received fourth letter from Equifax, once again claiming documents were illegible Nature of Complaint : 1. Repeated Failure to Process Dispute : Despite multiple submissions of clear, legible, and enlarged copies of my identification documents ( driver 's license and Social Security card ), Equifax has consistently failed to process my dispute, citing illegibility of documents.

2. Potential FCRA Violations : Equifax 's actions appear to violate the FCRA, which requires credit reporting agencies to conduct reasonable investigations and correct inaccurate information promptly.

3. Inconsistent Claims : Equifax claims that the information provided does not match their records, yet simultaneously states they can not read the documents. This inconsistency raises concerns about their review process.

4. Failure to Provide Specific Guidance : Despite multiple requests, Equifax has not provided any specific explanation of what aspects of the documents are illegible or what specific information doesn't match their records.

5. Undue Delay : The repeated cycles of identical responses have caused significant delay in addressing the original dispute, potentially causing ongoing harm to my credit standing.

Actions Taken : I have made multiple good-faith efforts to comply with Equifax 's requests, including : - Sending enlarged, high-quality photocopies of requested documents - Submitting an escalation letter detailing the issue and requesting supervisor intervention - Attempting to contact Equifax customer service for clarification
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX. I am writing in reference to the lien release document dated XX/XX/XXXX, concerning loan number XXXX. 

XXXX. This document states that my loan of {$10000.00}, originated on XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

XXXX. The lien release is notarized by XXXX XXXX, adding legal verification to its contents. 

XXXX. I am concerned that my credit report does not accurately reflect the information contained in this official document. 

XXXX. I request that XXXX XXXX XXXX XXXX review their records and ensure that my credit report accurately shows this loan as paid in full as of XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX has posted a personal loan to my credit for a duration of over 4 years erroneously, it is demanded this is removed. 

XXXX. Please provide written confirmation once you have completed all necessary corrections to ensure accuracy in credit reporting. 

XXXX. The lien release is a legal binding document, XXXX XXXX XXXX XXXX is in violation of the protections afforded under the FCRA.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-22
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: LEXISNEXIS (GA)

Dear LexisNexis, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans opened at XXXXXXXX XXXX XXXX on XX/XX/year>, another personal loan at XXXX XXXX on XX/XX/year>, an auto loan at XXXX XXXXXXXX via dealer on XX/XX/year>, another auto loan at XXXX XXXX XXXXXXXX on XX/XX/year>, another auto loan at XXXX XXXX  XXXX on XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-16
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. (LA)

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX? Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and payed as agreed. 

Account Name : XXXX XXXX Account # XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX & XX/XX/XXXX as 60 days late each month and a payment was marked paid XXXX, XXXX & XX/XX/XXXX. How can the account be delinquent 60 days with XXXX consecutive months paid. 

In XXXX you reported the account delinquent in XXXX & XXXX 60 day lates each month and the account was marked paid XXXX and XXXX. How can the account be delinquent 60 days with consecutive months of payments and green check showing paid. 

In XXXX you reported the account delinquent for the month of XXXX for 60 days and you marked a green check as paid for XX/XX/XXXX. How can this account be 60 days late and a payment was made in XXXX. 

XXXX XXXX XXXX ; There is no scheduled payment reporting for this account in XXXX, XXXX. I requested a signed contract. Where is the payment history and verification and validation of this debt. I have no knowledge of this account and this account does not belong to me. 

XXXX XXXX XXXX Loan XXXX Balance information is incorrect ; XXXX & XXXX You reported the first delinquency in XXXX at 120 days late in Septemer and you have a green check and payment made for the months of XXXX, XXXX, XXXX. How can this account be 120 days late with consecutive payments. No Data for XX/XX/XXXX and you report 150 days late for the month of XX/XX/XXXX. You have payments made and they are marked but you reported it late. Please update the both of these accounts.payed as agreed.