davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-08
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. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-08-08
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. (ND)

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit file : 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 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 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
Consumer complaint received 2024-08-08
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)

I'm writing to convey my uneasiness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I as of now really can't get any objective or helpful movement. These mixed up records are genuinely hurting my credit archive and obstructing my ability to continue with a conventional life. The unfavorable results of these blunders have caused huge hardships for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I tolerantly request that you lead a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the indispensable advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recover control over my money related thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue speedily would be immensely significant. Thankful to you early on for your understanding and help.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX , XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX date of inquiry : XX/XX/XXXX Equifax Incorrect address : XXXX XXXX XXXX XXXX XXXX, NY XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

unauthorized inquiry : XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-08
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-07
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, American Express has been inaccurately reporting credit information to XXXX, XXXX and XXXX resulting in my denial of credit in various instances. 

In XX/XX/year>, I made timely payment via autopay. After I made my timely payment via autopay, American Express proceeded to debit my entire balance of {$11000.00} from my XXXX XXXX account. When I called to complain, American Express told me that they CAN NOT STOP AUTOPAY!! After I threatened to go to the XXXX XXXX XXXX, American Express reversed the charge of {$11000.00}. WITHOUT MY KNOWLEDGE OR CONSENT, American Express then added {$9500.00} to my XXXX XXXX  account. It was clearly a computer error os very ignorant representative that added this {$9500.00} to my checking account. This {$9500.00} was not a credit line increase because IT NEVER APPEARED ON MY CARD NOR DID I MAKE THIS REQUEST. This {$9500.00} was SOLELY DUE TO MULTIPLE ERRORS MADE BY AMERICAN EXPRESS. 

I have tried to REPEATEDLY sort this matter out with American Express. American Express has REPEATEDLY refused to correct this error and update the credit reporting agencies in violation of 15 U.S. Code 1681s2. American Express continues to report my CREDIT LIMIT ON MY CLOSED BALANCE AS {$13000.00} AND MY BALANCE AS {$19000.00}. This means my credit utilization ratio is well over 100 % SOLELY DUE to errors by American Express. I have made {$5000.00} in payments which should have reduced my original and agreed to credit limit. However, American Express has refused to adjust my original balance with the payments that I have made on my original balance. I agree to an American Express card balance NOT to pay for American Express ' clerical error.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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
Consumer complaint received 2024-08-08
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. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (OH)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-08-08
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 am submitting this request to the credit bureaus with a sense of urgency and concern about the inaccuracies on my credit report. I have always taken pride in maintaining my financial integrity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that any information provided in a consumer report is accurate and has a permissible purpose. 
I have identified the following items that are inaccurately reported on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (GA)

I had a loan with Citibank/CitiMortgage/Citifinancial ( names have changed several times ) back in early XXXX. My family experienced a hardship around XXXX to XXXX and had to file bankruptcy ( XXXX  XXXX ). We included this loan in the plan so that we can pay it back and we were under the impression that it was satisfied as we didn't hear anything else from them once the bankruptcy was closed and satisfied. We realized when we tried to refinance with our current mortgage holder that Citibank charged off the balance of the loan.. My mortgage company requested a letter asking for the amount of charge off and the date it was charged off. They refused to provide the letter and our loan was denied.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I have asked for my repayment plan to be the SAVE plan and requested to be pulled out of forbearance months ago because Im ready to begin payments. Im still in forbearance as of today and will be for another month it says. It takes about a month to receive an email reply. They put me on ICR instead of the save plan. They dont respond. The service is edfinacial.
Consumer complaint received 2024-08-08
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to dispute the following information in my credit report. These items are inaccurate and incomplete : XXXX, opening date XX/XX/XXXX, account number XXXX XXXX, opening date XX/XX/XXXX, account number XXXX XXXX XXXX, opening date XX/XX/XXXX, account number XXXXXXXX XXXX opening date XX/XX/XXXX, account number XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), opening date XX/XX/XXXX XXXX account number XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you reinvestigate these items and provide verification of the source of the information you used to return a verified response to my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ). If you can not verify the source of your initial response, please delete all contested items from the credit report you maintain.

I believe that the credit reporting agencies failed to contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, FTC reference number XXXX. This failure to verify the information demonstrates noncompliance with the FCRA. If you do not delete the disputed items, I will seek compensation for all credit denials attributable to these items due to your willful and negligent noncompliance with the FCRA. 

Enclosed are copies of my identity theft affidavit, the initial CFPB complaint, and any other supporting documentation. Please reinvestigate these matters and provide me with a written statement of the outcome. 

Thank you for your prompt attention to this matter. I expect a response within 30 days.
Consumer complaint received 2024-08-07
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. (DE)

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 
these accounts are closed but is was last reported XX/XX/XXXX as negative. This inaccurate and false reporting. Ive worked extremely hard to pay my bills and keep my consumer report in tact. These negative accounts are causing me denials for opportunities I should be considered for. 

Im requesting you to delete these inaccurate accounts before I have to exercise my Federal private rights of actions in court. 

How can these be negative and late if closed in XXXX but reported XX/XX/XXXX as a negative ITEM. 

Dept Of Ed/Nelnet Account Numbers 1 . XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Last Updated XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

I've been trying to login to my account for months. I keep getting a, " We're sorry our records don't match the information you provided. Please try again. '' I just want to submit a payment for my loan but I can not even login.
Consumer complaint received 2024-08-08
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. (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.

Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX FCU : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of late payments. Despite sending letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter. 

I politely ask that you fulfill my previous request. Please promptly update these transactions to reflect the correct reporting status on my consumer report. Your immediate attention to this issue is greatly appreciated.