davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I 'm am unable to update my score and report as per my product to soft pull my report on equifax. I have called numerous times and it is fixed for a short period and then again has to be escalated to technical support so it " does n't happen again ''. I 'm on the phone for 1 hour each time and ran in circles. My creditors are unable to soft pull current information, the only information they can soft pull is from the last time my report was able to be updated. I 'm unsure of what information would be pulled during a hard pull. The supervisor I spoke to said that this is n't a new problem and they are aware of the issue. It is also frustrating to try and understand the representatives as they do n't speak very good English. I think this problem goes beyond paying for a service that does n't consistently work. It is my credit and they are put in charge of keeping accurate information for my creditors. I 'm concerned that if they ca n't get updated information that this will have a negative effect on my credit standings. I do n't have the same issues with my credit monitoring from XXXX or XXXX.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On or around XXXX XXXX, 2017 - XXXX XXXX XXXX XXXX  realized that they incorrectly reported information to all three ( 3 ) major credit bureaus. At that time, XXXX XXXX XXXX XXXX requested that all three ( 3 ) major credit bureaus delete the information. Equifax has not deleted the information.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have the following companies and Equifax know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from Equifax or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Citi Bank : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2017-07-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NJ)

I leased a XXXX XXXX XXXX XXXX pick up truck from XXXX XXXX in XXXX, NJ. At XXXX miles some computer glitch happened with the transmission. XXXX/XXXX/17 the PCM blew causing the vehicle not to run safely and XXXX XXXX in XXXX XXXX replaced the PCM.
XXXX/XXXX/17 my trucks was not driving safely. Issues were that the vehicle would accelerate by itself, brakes would not work, except the emergency brake. Once " E '' brake was applied the truck turned off. Since this date, XXXX XXXX has continued to try and fix my truck which they have been unsuccessful with.
I HAVE A LOT OF PAPERWORK, CAN I MAIL IT TO YOU??
Lender will not help me or get involved. Or accept a hardship letter.
Please call my cell : XXXX XXXX
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NE)

Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.
Consumer complaint received 2016-05-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (DC)

Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with representative I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. XXXX XXXX never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 on 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 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. 
XXXX XXXX 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 was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I have disputed several inquiries on my Equifax report. They have supposedly completed investigation in less than 24 hours, reporting they have factual record of file access. I have requested they send me " factual records '' & it has not been provided. For car financing inquiries, it was requested at dealership that my they not 'shotgun ' my credit, meaning not to send to multiple financing companies.  XXXX  representative stated to me that they would not do a hard inquiry when starting services. Representative stated she need to do a soft pull just to make sure I did not have a balance from an old account. I have made multiple attempts to contact  XXXX  and they continue to transfer to someone who speaks broken English and can not understand my request.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I co-signed a loan for my brother in XX/XX/XXXX it is now XX/XX/XXXX and these loan balances have not decreased. Recently they placed him on an annual autopay and they let it lapse, then he gets late fees and interests. They keep resting the clock as he has made XXXX straight payments, but will not release me from the loan. Recently he did not make any payments and I was not notified. My credit score dropped XXXX points. Recently, I paid {$1600.00} to bring the loan up to date. Now they have set him up on an auto pay plan which will not go into affect until XX/XX/XXXX. Therefore, XX/XX/XXXX he will not have to make any payments but they will now charge him " admin forbearance '' which will had another {$400.00} on top of his loans.
Consumer complaint received 2024-11-26
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXXXXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX, XXXX has recently provided information to an apartment management company I applied for, that I believe to be inaccurate. I recently applied for an apartment at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and was to sign a lease as soon as my background and credit came back fine. On XXXX XXXX, 2016 I was informed that my application was denied due to credit history, specifically collections actions by XXXX being unsatisfactory with an outstanding balance on an account ending in XXXX. I have contacted XXXX XXXX XXXX and verified I have no outstanding balances and every account I had with them was closed with a XXXX balance. Furthermore, I never had an account ending in XXXX. I do not have any collection issues with XXXX XXXX XXXX that would cause me to be denied. I called XXXX to ask for additional information and I was told to fill out a Consumer request to dispute the information given to the apartment complex which I e-mailed on XXXX XXXX, 2016 ( Reference : Case # XXXX ). They told me at XXXX that they do n't know how long it will take for the reinvestigation. I read online from other consumers complaining that it took nearly 30 days or more for them to get a response from XXXX which is not right because it took them less than XXXX minutes to get my report and provide wrong information to the apartment complex leasing office and it will take more than 30 days which is unacceptable. In this case I will lose the available apartment which has a XXXX year waiting list.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

Received fraudulent inquiry on credit report from XXXX. Equifax investigated and provided the following result ( they wo n't remove it even though it is fraudulent, it is affecting my credit score, and I have called XXXX twice and they say there is nothing in there records regarding a credit inquiry for my SS or my name ) XXXX We have reviewed the inquiry information for XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Na, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ''
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (KS)

XXXX ,  XXXX ,  2017  On  XXXX   XXXX ,    2017  I dispatched a payment in the amount of {$41.00} to Walmart Credit Card, my original due date was  XXXX ,  XXXX     2017. A Walmart  operative stated that my payment didnt reach them still  XXXX ,  XXXX   2017 , and I would be charge at late fee of {$37.00} to  bill I told the employee that I brought and mailed my payment from The   XXXX   Postal Office,  and that this negligent was out of my Hands and could have been the Postal Office responsibility.
Consumer complaint received 2024-10-21
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. (LA)

After carefully reviewing my latest credit report I noticed some inquiries that I did not authorize or give my signature to pull my credit. Here are the referenced inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-21
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX