davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal charged interest fees that they did not earn.I made several payments in larger amounts and I was still owed the same amount of interest as if I never paid at all. My loan was paid off and they are still requiring me to make the last payment. I can no longer see my transaction history but I consistently paid XXXX per month, about XXXX above my payment amount .I called several times asking for amortization schedule but never received it and I also asked that my additional payment be applied to my principle. even though I paid additional it was applied to interest instead of principle. I believe that I am owed money on this loan.
Consumer complaint received 2024-08-28
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. (IL)

On XX/XX/scrub>/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$120.00} XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$220.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$130.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to impart my tension concerning the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Regardless of my undertakings, I by and by just can't get any objective or therapeutic movement. These mixed up records are truly hurting my credit report and demolishing my ability to continue with a normal life. The unfavorable results of these blunders have caused tremendous troubles for me, and I'm left with no choice aside from to contend for your assistance with amending what is happening at the earliest open door. I thoughtfully request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the principal progresses are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and decency of my credit archive so I could recuperate control over my money related thriving. I truly urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue speedily would be colossally important. Thankful to you early on for your cognizance and help.
Consumer complaint received 2024-08-28
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)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-28
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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I looked at my report back on XX/XX/year>, and noticed some that I was a victim of identity theft. I submitted my disputes & got most items removed from my XXXX credit profile. After my disputes were completed XXXX removed the accounts but exquifax & transunion didnt, now there are even more inaccurate and incomplete information across all bureaus. XXXX & XXXX claimed my accounts were verified 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. These accounts : XXXX XXXX XXXX Acct number XXXX, XXXX management services Acct number XXXX, XXXX resurgent Acct number XXXX, XXXX XXXX XXXX XXXX, are not complete and not accurate. open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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 XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX** XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, M Employers : XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was absolutely shocked this morning to see incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, and this time, there were errors out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I urgently request that the documents I've sent be thoroughly reviewed so I can finally have peace of mind.
Consumer complaint received 2024-08-09
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)

Upon reviewing my credit report this morning, I was alarmed to find unauthorized inquiries that I can not explain. I routinely monitor my credit report, and this time, there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. This has left me feeling uneasy, and I ask that the documents Ive submitted be reviewed carefully to resolve this matter quickly.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Equifax Information Services XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/year> To whom it may concern I saw furnishing of multiple negative accounts on my consumer report. I am requesting an assignment contract for validation of the alleged debts pursuant to 15 U.S. Code 1692 ( g ) The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with the following information The assignment Contract The amount of debt Proof that your company sent me a statement assuming the debt to be valid with proof of tracking I was never notified with the following statement to dispute this debt within 30 days so 30 days is starting now.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your help with this incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I am asking for your support. The mishandling of my credit report has left me devastated, and the inaccurate reporting has tarnished my reputation. Please correct these mistakes so I can live in peace with my family.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Incorrect Name - XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect DOB - XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The personal data reporting is inaccurate My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only date of birth is XX/XX/year> My only employer is NONE AT THE MOMENT
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report and found several items 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 the 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of
Consumer complaint received 2024-08-28
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. (ID)

I am writing to you once again, now for the seventh time, to beg for your help in removing unauthorized inquiries that continue to report on my credit file. I want to be very clear : I have no recollection of ever opening or authorizing these accounts. The presence of these inquiries is causing me significant stress and is unfairly damaging my credit score.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against [ TransUnion ] regarding the inaccurate reporting of late payments on my credit report. Despite my previous attempts to resolve this issue directly with the credit bureaus, my requests for correction have been ignored, and I have not received any satisfactory response or explanation regarding the verification of these payments. 
Details of the Complaint : * Account Information : [ XXXX ] * Late Payment Entries in Dispute : [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ] Summary of Actions Taken : XXXX. Dispute Letters Sent : I have previously sent letters to [ TransUnion ] requesting the removal of incorrect late payment entries. Copies of these letters are attached for your reference. Tracking number : XXXX XXXX. Verification Request : I requested verification of these late payments from [ TransUnion ] but did not receive any documentation or a satisfactory explanation of how the information was verified. Tracking number : XXXX Supporting Evidence : * Verification that payments were made on time is attached. This includes bank statements, payment receipts, and other relevant documents. 
Legal Grounds for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, credit bureaus are required to investigate disputes and correct inaccuracies. Despite my clear documentation and requests, [ TransUnion ] has failed to meet these requirements. 
XXXX. Reasonable Procedures : The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ( b ) ). Their failure to verify the accuracy of disputed information constitutes a breach of this obligation. XXXX. Failure to Provide Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), credit bureaus must provide consumers with the information used to verify disputed entries. [ TransUnion ] has not complied with this requirement.

Request for Action : Given the continued inaccuracy of the reporting and the lack of proper response from [ TransUnion ], I am requesting the CFPBs assistance to ensure that : XXXX. The incorrect late payment entries are promptly removed from my credit report. 
XXXX. [ TransUnion ] provides a detailed account of their verification process for the disputed entries. 
XXXX. Appropriate measures are taken to prevent future violations of the FCRA. 
Please find attached all relevant documentation and correspondence for your review. I expect a prompt resolution to this matter and appreciate your immediate attention to this serious issue.