davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX XXXX XXXX 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account?

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (TX)

I have sent this company a debt validation letter and nothing was sent back in the time frame validating this debt. They received it on XX/XX/2022 per usps tracking. I also called Trident Asset to confirm they got the letter on XX/XX/2022 and this still remains on my credit report. I would like for them to remove this item because they did not abide by the laws of the Fair Debt Collection Practices Act, 15 USC 1692g.I also have proof that nothing was sent thanks to USPS Informed delivery. The letter was mailed off on XX/XX/2022. I would love for this to be resolved by removing from my credit report. They are pass the time allowed.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
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. (TN)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. This account need to be removed : XXXX XXXX XXXX XXXX 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account?

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. This account need to be removed : XXXX XXXX XXXX XXXX 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and Equifax have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account?

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern and frustration regarding the continued presence of a fraudulent account on my credit report, despite my repeated attempts to dispute and the successful deletion of this information by other credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  have already removed this account from their records. 
I want to emphasize that I am a victim of identity theft, and I have taken immediate action to report and rectify the situation. I have successfully communicated with XXXX and provided them with evidence supporting the fraudulent nature of the account. They have promptly taken the necessary steps to delete this information from my credit report in accordance with the Fair Credit Reporting Act. 
It is disheartening that Equifax has not followed suit and continues to report the fraudulent account without providing any valid verification or resolution.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (MN)

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.

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report shows XXXX XXXX Potentially Negative Date Opened XX/XX/XXXX Balance {$41000.00} Status Account charged off. {$47000.00} written off. {$41000.00} past due as of XX/XX/XXXX. 
Do you see information you believe to be inaccurate? 

This is incorrect, this credit card belongs to an LLC and not me personally and should not appear on my credit report.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. XXXXXXXX XXXX XXXX XXXX I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-07-27
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint against XXXXXXXX XXXX XXXXXXXX XXXX and Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT # XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

In XXXX of XXXX I filed CFPB complaint against Mohela due to my account being in forbearance due to a borrowers defense application I filed in XX/XX/XXXX. I had contacted them multiple times prior to filing the complaint sitting on hold for multiple hours, where I was told a request was submitted to remove it. I would get notified of the removal but then within days I would get notified of the forbearance being back on my account. It was not until I filed the CFPB complaint that they finally removed it, with resolution. 

Until XX/XX/XXXX. I made my XX/XX/XXXX auto pay and on XX/XX/XXXX received communication that my next payment would be XX/XX/XXXX. However that payment never occurred and my account showed forbearance again. I called Mohela on XX/XX/XXXX and was told my wait time was XXXX and opted for the call back. XXXX HOURS later, I get a return call. To which I then sit on hold with the rep for another XXXX minutes to be told it is due to the borrowers defense. I explain to her I never opted into this, that my application clearly states I did not opt into this and that I already fought with them a year ago to resolve. They state another request would be submitted and I can try calling again in 2 days to verify.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I have graduate student loans with MOHELA I recertified my IDR plan back at the end of XXXX. My payment amount went up from XXXX XXXX {$1200.00} in early XXXX. The department of education said that the IDR certification Deadline has been extended to XX/XX/XXXX, and if you recertified and your payment went up, it would be reverted back to the lower payment. I have been calling MOHELA roughly 2 times a month to try and have my payment reverted. Every time I call I get different information. Most recently on XX/XX/XXXX I called because I have a payment due tomorrow on the XXXX and my payment has still not been reverted. They claim that there is, never been a request placed for this And put in a new one. I requested documentation of this, but it will not arrive for about XXXX weeks. Previously on XX/XX/XXXX, I spoke to XXXX at MOHELA who assured me she put in a ticket to have my plan calculated and payment reversed.It has been XXXX months of trying to get my payment reverted. I have called Miss several times and requested documentation but many of those times were prior to the online platform change that occurred over the summer and nothing on my old account shows up. It is unclear to me why this is so difficult, and why will he seems to have no clue about instructions from the department of education. I have been in and out of forbearance because I did not want to pay the higher amount, but I am going to pay the higher amount because I am now concerned about it counting towards public service loan forgiveness. I was previously told that months and this recalculation forbearance would count but honestly, I do not think I trust Mohela.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (RI)

Equifax lacks any sort of Multi factor authentication or protection from hackers for users on their base service.

One can far too easily change passwords and cause problems.

Equifax needs to update security and give us Mfa, They Sell it so its a product they already have! They just need to put it on their My Equifax service.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 

According to your communication, you claim that I owe a debt to National Credit Services. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The original creditor 's name and contact information. 
2. The original account number associated with the debt. 
3. The date the debt was incurred. 
4. The total amount of the debt, including any fees or interest. 
5. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.