davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

I have been trying to contact customer service with " MOHELA ''. The voice prompts are lengthy and unhelpful, and I have found it impossible to speak to another human being about the following issues : - Lowering my payment based on my income and life changes. They are still charging me based on my previous application ( before the 2020 COVID pandemic and the loans being suspended ). I now have a child and a mortgage that should affect the rate. 

- I have still been trying to make payments while attempting to reach them to have my payment lowered, AND THOSE PAYMENTS KEEP BEING RETURNED! There is no issue with my bank or my finances. I have been trying to pay them and they do not accept, and instead send me emails stating that I have missed payments and may go delinquent on my loan. I'm trying to pay them even while these other issues have not been resolved. They emailed me saying I have missed XXXX payments as of XXXX XXXX, but when i check my account, they have on record an accepted payment on XX/XX/XXXX. 

- Prior to XXXX and my loans being transferred to " MOHELA '', I never had a single issue trying to pay my student loans. This incredibly frustrating. To be threatened with loan delinquency despite trying to pay them.
Consumer complaint received 2024-10-17
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. (NV)

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX Credit Card account, which was opened on XX/XX/year>, with a current balance of {$340.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and various provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

Under 15 USC 1681, I have a right to privacy concerning my financial information. I did not provide permission to XXXX XXXX XXXX XXXX to furnish my account information to credit reporting agencies, which is a requirement under 15 USC 1604 ( a ). Furthermore, according to 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been misapplied in my case. 

Given these violations, I am requesting that you investigate this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is imperative that my rights under the UCC and FCRA are upheld. 

Please conduct a thorough investigation into this matter and provide me with written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 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. 

XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (WA)

Multiple dates varying and or starting from XXXX  or maybe earlier. Fees were charged for insufficient funds even though the charges were made when funds where available and reflecting on the account. When disputing with the bank, sometimes the fees woukd be credited in some areas but just to turn around and have more fees applied somewhere else. This has been an on going problem til this day. Even when having deposits made and having money available, somehow fees were still applied so much so that would then show as no funds available for anything else and causing more fees to be applied
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (KS)

In XX/XX/year> Ally Bank revoked access to all of my accounts. This was after I had verified my account information. I had been chatting with a customer service rep and that person did not inform me of a problem. I was told I could withdraw {$5000.00} daily and I went to the bank to do so but was denied being able to withdraw. I then paid for a wire transfer because I had no way of accessing my funds from Ally. Today, XX/XX/year>, I tried to transfer my remaining funds from savings to checking but I am not allowed to do so. I do not appear to have any way to access my money from Ally Bank, an online only bank. Previously I had tried to close my retirement account but I am now unable to do so.
Consumer complaint received 2024-10-26
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)

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  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!
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. (MD)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (FL)

These lenders have accessed your credit file : 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 Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX, L Account XXXX Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, Equifax I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
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. (OH)

Ask all 3 credit companies to send proof that I had signed on as a cosigner. I dissaggreed with terms and didnt not sign any paperwork. Was told he didnt need me to cosign. 3 month later im getting called about this loan. XXXX is not providing me with a copy of signed agreement. ( Because there was none ) The dealership and loan company scammed me. Trying to fix with credit unions before talking to lawyer.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (KY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX 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 ( AN ( XXXX ) 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - Account Name : FAIR COLLECTIONS AND OUT Account Type : Closed, Account Type : Secured credit card, Date Opened : XXXX XXXX, XXXX, Balance : {$4100.00} Fraudulent Inquiries listed below : - XXXX XXXX XXXX : XXXX XXXX, XXXX - XX/XX/XXXX: XXXX XXXX, XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
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. (CA)

THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF DICOVER LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.