davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus.

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA.

I have not received a follow up or deletion from my report.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them is XXXX
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (NC)

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 credit score. 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 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My credit score on Equifax is showing incorrect information about my on time payment history. Equifax is including previous accounts that were charged of in my 2021 Bankruptcy. This incorrect information of my payment history is directly affecting my credit score by XXXX points compared to XXXX XXXX XXXX XXXX Equifax is not correctly reporting my on time payment history on all of my current accounts which has been 100 % on time for at least 2 years now.
Consumer complaint received 2024-11-03
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. (IL)

I made Equifax aware that they are violating my rights to dispute discrepancies on my credit profile by not investigating and providing proof a debt is valid. I filed fraud disputes on XXXX account XXXX XXXX and XXXX XXXX. I sent in my identity theft report. Equifax failed to remove these fraudulent accounts. On top of that they are being reported as charge offs. I informed them I never received any tax documents from these companies.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have recently looked at my credit report and noticed that there are a bunch of inaccuracies on my credit report. I have attached documents in regards to matter. Equifax did not conduct a thorough investigation.
Consumer complaint received 2024-11-02
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. (CA)

XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (VA)

VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

To Whom It XXXX Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : INCLUDED Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 


Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2017-10-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

MY ENTIRE CLAIM WILL BE SUBMITTED ALONG WITH SUPPORTING DOCUMENTS! 

At the end of XXXX I applied and was approved for a credit card issued by USAA with a {$6000.00} credit limit. Several days/weeks later on XX/XX/XXXX I made ONE and only ONE transaction for {$5700.00} at a medical center called " XXXX XXXX XXXX '', before my credit card was due I was fully refunded ( as you 'll see the receipt I 'll attach ) for the full amount. 
USAA simply ignored it and kept on reporting late payments. I tried at least 30 times on different occasions to call them to correct it but they always told me they have no department to speak about these concerns ( it 's all on a recorded phone call, as USAA always said all calls are recorded ). However, they kept on sending me letter that I 'm late and need to make a payment. 

One day I decided it 's enough, and it 's not possible that they do n't have a department to speak to about this. I went ahead and filed a dispute with XXXX, XXXX & XXXX. 
XXXX & XXXX instantly realized the FRAUD USAA is doing and immediately removed and blocked it from reporting. 

However, XXXX kept on coming back to me with the answer that USAA provided supporting documents that there was no refund, which is very contra-dictionary, due to the fact I can proof otherwise. 

I ask the CFPB to uphold my rights and have them remove this entire account from my XXXX Credit Report as it 's having substantial impact on me getting a Mortgage..
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A. 
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.
Consumer complaint received 2024-11-03
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)

Page eight of the attached Equifax credit report states that I was formerly known as XXXX XXXX XXXX. This assertion is FALSE as I have never been known by that name. I have attached my birth certificates ( which were NEVER amended ), my social security card, my ID, and a recent utility bill. Please remove the name XXXX XXXX XXXX from my credit report. Additionally, my student loan appears twice on my credit report on pages twenty-five and twenty-six. The XXXXDept of Ed and the XXXX  XXXX XXXX Loan are one in the same. Please remove the XXXX  XXXX Education Loan on page twenty-six of the attached credit report.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

As of XX/XX/2018. I received a collection account on my credit report from a collections agency called Diversified Consultants Inc. the  original creditor is XXXX and the balance is for {$4800.00}. It stated that this account is from XX/XX/2018. Ive never done business with XXXX or had any cellular service with them. Ive disputed this with XXXX and XXXX when this account was with another agency and it was deleted from my credit report. Ive even asked for validity of debt when it was with he former agency and received nothing. I simply want these agencies who are reporting this fraudulent account to my credit to stop collection attempts once and for all. Its causing issues with my near perfect credit history and just a big headache overall
Consumer complaint received 2024-11-03
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. (MD)

My complaint against Equifax is not a duplicate complaint the company has asked for my identification which they already have. This letter serves as my third formal notice requesting that Equifax block and remove unauthorized inquiries from my credit report as required by Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ). Despite providing the required identification documentation, including a copy of my ID and Social Security card on multiple occasions, Equifax has failed to remove or block these inquiries from my report, and I am left without resolution or valid reasoning for this noncompliance. 

Details of Violation Under Section 605B, Equifax is mandated to block information resulting from identity theft or unauthorized inquiries once sufficient proof of identity and a formal dispute are submitted. This is the third attempt to resolve this issue, and I have provided ample documentation to confirm my identity. I am including a copy of Equifaxs prior response that stated a need for identification verification, despite the fact that my ID and Social Security card have been submitted multiple times. If Equifax claims it can not identify me, then I must question the origin of this information and ask who is validating it. 

Unauthorized Inquiries to be Blocked or Removed : 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 XXXXXX/XX/XXXX Request for Immediate Action In accordance with Section 605B, Equifax is legally obligated to : Block the above inquiries from my report within four days of receiving this notice. 
Provide written confirmation that these inquiries have been removed. 
Cease requesting additional identification documentation, as it has already been supplied. 
Please treat this letter as a formal complaint regarding Equifaxs failure to fulfill its obligations under the FCRA. If this issue is not resolved within the time frame stipulated by federal law, I will have no alternative but to escalate my issues Thank you for your immediate attention to this matter. I expect confirmation of compliance with this request within 15 days of receipt.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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

15 U.S. code 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- Please remove the following items from my report, immediately. 

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 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/2018 I submitted a dispute to XXXX, XXXX and Transunion regarding a credit card that was not mine ( XXXX XXXX Bank ). XXXX XXXX Bank in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX bank any money. This account is showing negative on my credit report.
Consumer complaint received 2017-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I had student loans through XXXX XXXX since XXXX. 
My loans eventually transferred to the company Navient. 
I was experiencing financial hardship in XXXX and was told I could put my loans on hold for 3 months by Navient, however I was charged over {$1100.00} in interest over that 3 month period. 
XXXX This document of the capitalized interest is in an uploaded document attached ) I have XXXX different private loans through Navient. On XXXX of my loans the interest rate is 10 % which is making it impossible to pay off my loans, I 've mostly been paying interest for the 10 years I 've been out of college. 
copy from my Navient account on XXXX of my private loans. 

Unpaid Principal {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX 10.250 % Interest rates on private loans are set by the lender. 

After calling Navient numerous times to lower my interest rates I would be put on hold for XXXX minute and then told there is nothing they can do This has happened multiple times. 

I have over {$65000.00} in student loan debt and with my high interest rates that wo n't be adjusted and the deception by this company, it has been so hard to pay my loans off. 

I am looking to refinance with XXXX to have a better interest rate, but have been so unhappy with the service of Navient. After reading the lawsuits again them and other borrower 's stories I realize I am not the only XXXX suffering from student debt. I pay over {$500.00} a month and I feel I am not even making a dent in my loans.
Consumer complaint received 2024-11-02
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. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.